BHS Credit Card
From Barclaycard
Summary
BHS Credit Card is provided by Barclaycard.
The representative APR is 19.9%APR variable.
New customers will receive an introductory balance transfer rate of 0% for 9 months.
This makes BHS Credit Card a good option if you're looking to transfer an existing credit card balance and don't want to make purchases.
The representative APR is 19.9%APR variable.
New customers will receive an introductory balance transfer rate of 0% for 9 months.
This makes BHS Credit Card a good option if you're looking to transfer an existing credit card balance and don't want to make purchases.
How long will it take to repay with the BHS Credit Card
Balance transfer
Purchases
Fixed payment
By switching to the BHS Credit Card, you could pay off £1000 in by budgeting £50 each month. This would effectively cost you £50.
Minimum payment
By comparison, if you only make the minimum payment each month, it would take 18 years and 11 months to repay, costing you a total of £2,360 on top of the original balance!
If this seems high, that's because your minimum payment is calculated as a percentage of your balance. This means each payment will be slightly lower than the month before which will have less effect on clearing your balance. So be smart and pay as much as you can afford!
Rates & Charges
Introductory rates
Balance transfers
0% for 9 months 58 cards better than this
Balance transfer fee
Purchases
0% for 3 months 78 cards better than this
Ongoing rates
Typical APR
Balance transfer rate
Balance transfer fee
2.99%
Balance transfer limit
Unknown
Cash advance rate
29.9%
Fees and Charges
Annual fee
£0
Cash advances
2.99% or £2.99 minimum 41 cards better than this
Foreign currency transactions
Late payment fee
£12
Over limit fee
£12
Returned payment fee
£12
Insurance and Protection
Payment protection
Payment protection
Free warranty cover
Free price protection insurance
Online fraud protection
Online fraud protection
Travel insurance
Travel insurance
Lost luggage cover
Travel delay insurance
Travel insurance upgrade
Requirements to qualify
Minimum credit history
Good
Minimum age
18
Minimum income
£20,000.00
Must be employed
Yes
Repayment
Interest charged from
Debit
Interest-free period
56 days
Interest-free period on cash advances
None
Time to make payment after statement date
56 days
Minimum payment
2.5% of balance or £5
Payment by direct debit
Available
Rewards
Rewards Point Descriptions
Bhs Reward Points: 5 points for every £1 spent in Bhs, Dorothy Perkins, Wallis, Evans and Burtons. 1 point for every £1 spent elsewhere. 500 Bhs Reward Points earns a £5 Bhs voucher.collapse
Rewards Shopping Descriptions
Exclusive cardholder Bhs discount reward days. 0% on Bhs purchases for 6 months.
Better deals on balance transfers
Better deals on purchases
