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From: "Virgin Money" <email@creditcard.virginmoney.com>
Subject: Vincent, your Terms are changing
Date: Thu, 01 Jul 2021 11:11:45 +0100
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Your Terms are changing
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Virgin Money ( http://t.emails.virginmoney.com/r/=3Fid=3Dt7710404,2671aa5,1983320 )
***********************
YOUR TERMS ARE CHANGING
***********************
Hello Vincent,
We're getting in touch to let you know about some changes to your
credit card Terms. These come into effect on 5 August 2021 so
it's important to understand what they mean for you. You can see
exactly what's changing below - or view your full Terms here ( http://t.emails.virginmoney.com/r/=3Fid=3Dt7710404,2671aa5,1983321 ).
----------------------------
If you're happy, we're happy
----------------------------
If we don't hear from you, we'll
assume that you're happy with your new Terms. If you're not,
you're free to close your account at any time - although we'd be
sad to see you go. You can do this by completing a form online ( http://t.emails.virginmoney.com/r/=3Fid=3Dt7710404,2671aa5,1983322 ).
------------------------
Simpler, smarter, faster
------------------------
Your Virgin Money Credit Card
comes with Contactless payment technology. The payment limit is
increasing later in the year, so you'll be able to tap-to-pay for
things up to =A3100.
---------------
Help is at hand
---------------
If you're unsure about anything
or have a question for us, check out our online help ( http://t.emails.virginmoney.com/r/=3Fid=3Dt7710404,2671aa5,1983323 ).
The team at Virgin Money
Red thread
Red thread
---------------------
Changes to your Terms
---------------------
All of the changes to your Terms
are shown below. Where it's a simple change, we've explained what
we've done. Where there are big differences to your Terms, we've
also included a table to show the current and new wording.
----------------
Fees and charges
----------------
Last year, we told customers that
we were increasing our default charges from =A39 to =A312. We didn't
do this because of the COVID-19 pandemic - it stayed at =A39 - but
we're now going to increase this fee to =A312. However, we'll no
longer charge =A34 for a copy statement.
-----------------
Promotional rates
-----------------
We are updating our Terms so it=92s
clear that you=92ll keep any promotional rates if you go over your
credit limit. This means that you will now only lose any
promotional rates if your minimum payment has not been made on
time or in full.
-------------
Cash Advances
-------------
We're updating the definition of
a Cash Advance. This still includes cash you withdraw using your
credit card and buying foreign currency or traveller's cheques -
but we've made it clear that a Cash Advance also includes:
* gambling transactions and spread
betting.
* international money transfers.
* paying off other borrowing (like making a payment towards a
loan or mortgage or using your card to pay another credit card
instead of doing a Balance Transfer).
* adding money to a prepaid card, virtual card or e-money
account.
* investment activity - this includes binary trading, share
trading and adding money to an investment account.
-------------
Opening hours
-------------
Our opening hours have changed
slightly, although we'll still be here 24/7 if you need to report
a lost or stolen card. You can see our latest opening hours and
phone numbers on virginmoney.com.
------
Brexit
------
As a result of Brexit, you can't
make a complaint through the European Online Dispute Resolution
(ODR) platform anymore. However, any complaint that we can't sort
out can still be passed to the Financial Ombudsman Service (FOS).
As the UK is now not part of the European Economic Area (EEA),
we've also updated any reference to the EEA in your Terms to
include the UK as well.
----------------
Instalment plans
----------------
We're launching a new instalment
plan - if you're eligible, this means you can move a Balance
Transfer or Card Purchase to a plan that lets you pay it off in
equal amounts over a chosen period of time. This should help you
budget smarter as you'll know how much you need to pay each
month.
This new plan means we've added a new clause that explains the
features, as well as affecting other clauses in the Terms.
Because the new clause has been slotted in, all the clause
numbers after this have changed.
---------------------------------
10. How do instalment plans work=3F
---------------------------------
10.1 We may give you an option to
carry out a Balance Transfer or pay back a Card Purchase through
an instalment plan. If we do, we will tell you which transactions
you can include and anything else you need to know =96 like how
long you have to decide and the fees.
10.2 Each month, to keep your instalment plan on track, you must
pay your Requested Payment. This is made up of your Minimum
Payment plus the amount you need to pay to keep your instalment
plan on track. You will see the details on your statement.
10.3 When you take out an instalment plan, we will confirm your
monthly instalment plan payment =96 this will be the same each
month and will be included in your Requested Payment. We work
this out by adding the total instalment plan fee to the plan
amount and dividing that by the months in your plan. The
instalment plan fees charged each month might vary by a few
pennies but will never add up to more than the total instalment
plan fee.
10.4 Your monthly instalment plan payment is voluntary but, if
you do not pay all of it on time and in full, the amount you did
not pay will no longer be part of your instalment plan. You will
be charged interest from the day of your next statement on the
amount you did not pay at the standard rate for the type of
transaction that the instalment plan was set up to pay back. We
will never charge interest on any instalment plan fees.
10.5 You can choose to cancel your instalment plan at any time.
Just tell us.
10.6 We may cancel your instalment plan if any of these things
happen:
* you do not pay the Requested
Payment three times during the instalment plan.
* if we reasonably believe, as a responsible lender, it is
necessary to.
* your credit agreement ends.
10.7 When an instalment plan is
cancelled either by you or us:
* you will not have to pay anything
more towards the total instalment plan fees from your next
statement but you will have to pay any instalment plan fees that
already appear on a statement.
* you will be charged interest on what is left on your instalment
plan at your standard rate for the type of transaction that the
instalment plan was set up to pay back from the date it was
cancelled.
10.8 If your instalment plan is
cancelled after your statement but before your due date:
* you will still be charged the
instalment plan fee shown on your statement.
* you will need to pay at least the Minimum Payment shown on your
statement as normal.
* your Direct Debit will be for the Requested Payment shown on
your statement. Even though the instalment plan has ended, it
will not take this into account until your next statement.
We've updated section 2.2 of your
Tariff with some more detail on instalment plans. We've also made
some changes to the rest of the Terms.
Transaction type
Annual interest rate
(variable)
Transaction fee
Instalment plan
(a Balance Transfer or Card Purchase that has been put on an
instalment plan)
from the account opening date until further notice
0.00% p.a.
We will charge
instalment plan fees which we will tell you about beforehand.
Current Wording
New Wording
7.1 We charge
interest on all transactions and related fees, and on any unpaid
interest, at the relevant rate for that type of transaction. The
different transaction types are shown in our Tariff. We charge
interest on other charges and amounts added to your account, at
the standard rate for Card Purchases.
7.1 We charge
interest on all transactions and related fees (other than
instalment plan fees), and on any unpaid interest, at the
relevant rate for that type of transaction. The different
transaction types are shown in our Tariff. We charge interest on
other charges and amounts added to your account, at the standard
rate for Card Purchases.
7.2 We will not
charge interest on Card Purchases and related fees as long as
you pay the full balance shown on your statement by the payment
date. Otherwise, we will charge interest each day on all
transactions and related fees, on unpaid interest and on any
other amounts, from the date they are added to your account
until you pay them off in full.
7.2. We will not
charge interest on Card Purchases and related fees, as long as
you pay the balance shown on your statement (excluding any
instalment plans and transfers on a promotional rate) by the
payment date. Otherwise, we will charge interest each day on all
transactions and related fees, on unpaid interest and on any
other amounts, from the date they are added to your account until
you pay them off in full.
9.1 Each month you
must pay at least the Minimum Payment in pounds sterling, shown
on your statement. This will be the greater of:
- =A325, or the whole balance shown if it is less, or
- the interest, any default charges and annual card fee, plus 1%
of the remaining balance, or
- the amount we tell you under section 9.2
9.1 Each month you
must pay at least the Minimum Payment in pounds sterling, shown
on your statement. If you do not have any instalment plans,
your Minimum Payment will be the greater of:
- =A325 or the whole balance shown if it is less, or
- the interest, any default charges, annual card fee and 1% of
the remaining balance.
If you have one or more instalment plans as well as
non-instalment plan balances, your Minimum Payment will be:
- the interest, any default charges, annual card fee and 1% of
the remaining non-instalment plan balance (rounded up to =A325 or
the whole balance shown if it is less), plus
- 1% of what is left to repay on the instalment plan(s) and 1% of
the monthly instalment plan fees.
If your balance is made up only of one or more instalment plans,
your Minimum Payment will be:
- any default charges and annual card fee, plus
- 1% of what is left to repay on the instalment plan(s) and 1% of
the monthly instalment plan fees.
In all cases, if we change your Minimum Payment under section
9.2, your Minimum Payment will always be that amount if that is
higher.
9.5 If you pay less
than the total balance each month, interest will be applied for
the period between the statement date and the payment date and
added to the next month=92s balance on which interest is charged.
You can make other payments at any time.
9.5 Interest will be
applied for the period between the statement date and the
payment date and added to the next month=92s balance (on which
interest is then charged), unless you pay your full balance each
month and your balance was made up only of Card Purchases and/or
instalment plans.
11. We will allocate
your payments in the following way:
- We will repay balances with the highest interest rates first,
before repaying those with lower interest rates.
- Where we charge interest on multiple promotional balances at
the same rate, we will pay off the balances in the order that the
promotional rates expire (for example, a balance with a
promotional rate that ends in two months' time will be paid off
before one that ends in six months' time).
- Where promotional rates expire at the same time, we will pay
off the balances in the following order: Money Transfers, Balance
Transfers, Card Purchases.
- We will always pay off existing balances that appear on your
statement, before any new transactions that you have made, but
are not yet shown on a statement.
12.1 We will allocate
your payments in the following way:
- Firstly, to your Minimum Payment in this order:
> any default charges, interest, annual card fee, and
non-instalment plan balances, with the highest interest rate
first, before repaying those on lower interest rates, and then,
> if you have instalment plans, up to 1% of what is left to repay
on any instalment plan(s) and 1% of any monthly instalment plan
fees.
- Secondly, if you have instalment plans, the rest of your
monthly instalment plan payments.
- Then, your remaining balances that appear on your statement
with the highest interest rate first, before repaying those on
lower interest rates.
- Finally, new transactions that you have made, but are not yet
shown on a statement, with the highest interest rate first,
before repaying those on lower interest rates.
12.2 When we are allocating your payments in the above order, we
will take the following into account:
- Where we charge interest on multiple promotional balances
and/or instalment plans at the same rate, we will pay off the
balances in the order that the rate or instalment plan is due to
end (for example, an instalment plan that is due to end in two
months=92 time will be paid off before a promotional rate that ends
in six months=92 time).
- Where promotional rates and/or instalment plans end at the same
time, we will pay off the balances in the following order: Money
Transfers, Balance Transfers (including instalment plans for
Balance Transfers), Card Purchases (including instalment plans
for Card Purchases).
- When you have instalment plans, any additional payments put
towards the instalment plan will go to the final payment of the
instalment plan, then to the payment before that and so on
working backwards.
12.3 The way we allocate payments means that your instalment plan
balance may be repaid more quickly than other balances charged at
a higher interest rate.
--------------
Online Service
--------------
As you will already be aware, we
switched off Online Service on 31 January 2021. The following
clauses have been updated.
Current Wording
New Wording
5.1 We will provide
you with a card and a Personal Identification Number (PIN) once
we have opened your account.
5.1 We will provide
you with a card and a Personal Identification Number (PIN) once
we have opened your account. We may tell you to view your PIN in
the Virgin Money Credit Card app.
6.2 You or your
additional cardholders can authorise a transaction by:
- using your card with a PIN or signature, or at a contactless
terminal.
- using your card details online or over the phone or through
your mobile phone.
- asking us to make a Balance Transfer or Money Transfer
(including paying a credit balance back to you).
- giving instructions to a retailer to take payment from your
account on a recurring basis.
- giving us instructions through a permitted third party
provider. In this agreement, a permitted third party provider is
an account information or payment initiation service provider
that is authorised to provide that service. Our website tells you
about these third party providers.
6.2 You or your
additional cardholders can authorise a transaction by:
- using your card with a PIN or signature, or at a contactless
terminal.
- using your card details online or over the phone or digital
wallet.
- asking us to make a Balance Transfer or Money Transfer.
- giving instructions to a retailer to take payment from your
account on a recurring basis.
You can also authorise a transaction by:
- asking us to send a credit balance back to you.
- giving us instructions through a permitted third party
provider. In this agreement, a permitted third party provider is
an account information or payment initiation service provider.
Our website tells you about these third party providers.
6.3 You can ask for a
transfer online, over the phone, or by completing a transfer
request form that we have provided. To make a transfer, you will
need to tell us the sort code and account number or (for a
Balance Transfer) the full credit card number of the account you
are transferring to. If these details are wrong, the transfer may
be delayed, paid to the wrong account or returned to you, even if
you provided the correct account name. If you provide the wrong
details we will not be liable but we will try to recover the
payment. If you ask us to, we will give you all of the
information we are allowed to by law to help you locate the
payment.
6.3 You can ask for a
transfer through the app or over the phone. To make a transfer,
you will need to tell us the sort code and account number or (for
a Balance Transfer) the full credit card number of the account
you are transferring to. If these details are wrong, the transfer
may be delayed, paid to the wrong account or returned to you,
even if you provided the correct account name. If you provide the
wrong details we will not be liable but we will try to recover
the payment. If you ask us to, we will give you all of the
information we are allowed to by law to help you locate the
payment.
8.1 Each month there
is a payment into or out of your account or there is a payment
due on your account, we will let you know that there is a free
statement which you can view in Online Service. If you have also
requested a free paper statement we will post it to you.
8.1 Each month there
is a payment into or out of your account or there is a payment
due on your account, we will let you know that there is a free
statement which you can view and download in the app. If you have
also requested a free paper statement we will post it to you.
8.4 We may give you
updated information about your account, or tell you about changes
to this agreement by any means, including:
- messages on your monthly statement or your online account.
- post, phone or text.
- email which may include a link to our website virginmoney.com,
or a PDF (including PDF attachments).
- via a secure message.
8.4 We may give you
updated information about your account, or tell you about changes
to this agreement by any means, including:
- messages on your monthly statement or in the app.
- post, phone, text or (if you have them enabled on your device)
push notifications.
- email which may include a link to our website virginmoney.com,
or a PDF (including PDF attachments).
--------------------------
Paying in other currencies
--------------------------
We've already updated you on this
one, Mastercard=AE has changed the way it handles foreign
transactions when you spend money abroad. Since 11 August 2020,
your Card Purchases and Cash Advances will normally be converted
to pounds sterling on the same day. This means you don't need to
worry about a change to the exchange rate after you spend.
Current Wording
New Wording
12.2 If you carry out
a transaction (which includes refunds) using your card in a
currency other than pounds sterling, it will be converted into
pounds sterling at an exchange rate on the day the transaction is
taken from your account (which may not be the same day as the
date you make your transaction). You can ask us for the exchange
rate that applies at the time or you can visit
www.mastercard.com/global/
currencyconversion. The exchange rate used to convert the
transaction will be shown on your monthly statement. You can find
out how the exchange rate compares with the European Central
Bank's exchange rate at virginmoney.com/currency-converter.
13.2 If you carry out
a transaction (which includes refunds) using your card in a
currency other than pounds sterling, it will usually be converted
into pounds sterling at an exchange rate on the day the
transaction takes place. You can ask us for the exchange rate
that applies at the time or you can visit
www.mastercard.com/global/
currencyconversion. The exchange rate used to convert the
transaction will be shown on your monthly statement. You can find
out how the exchange rate compares with the European Central
Bank's exchange rate at virginmoney.com/currency-converter.
-------------------------
Open Banking and security
-------------------------
Open Banking is a safe, secure
way for you to view and make payments from some of your accounts
in one place, on a single regulated app or website. We've made
some small changes to confirm that your shouldn't share your
passwords or account details with anyone else, even when using
Open Banking. And a few other changes to help keep your account
even more safe and secure.
Current Wording
New Wording
8.5 Unless the law
prevents us from doing so, we will contact you by phone, letter
or text if we need to tell you about suspected or actual fraud or
a security threat to your account.
8.5 Unless the law
prevents us from doing so, we will contact you by phone, letter,
email or text if we need to tell you about suspected or actual
fraud or a security threat to your account.
9.6 You can find full
details of how to pay, and how long to allow for payments to
reach your account, on your statement. It can take up to seven
business days for the money to reach us, depending on the payment
method you have chosen.
9.6 You can find full
details of how to pay, and how long to allow for payments to
reach your account, on your statement. If we reasonably believe
as a responsible lender we need to, we can set rules about how
you make payments to us so we can check where they are coming
from. It can take up to seven business days for the money to
reach us, depending on the payment method you have chosen.
13.2 You, and any
additional cardholder, must never:
- share, write down or store your PIN in a way that is obvious to
others or keep it with your card.
- share, write down or store your passwords, or any security
information in a way that is obvious to others (except permitted
third party providers to the extent needed to allow them to
operate the services they provide to you), or keep them with your
card.
- allow anyone to use your card or card details other than
permitted third party providers.
- give anyone your card details, except for when you make a
transaction or contact us or share them with a permitted third
party provider.
14.2. You, and any
additional cardholder, must never:
- share, write down or store (including by taking photographs and
screenshots) your PIN, passwords, one-time passcodes or any
security information in a way that is obvious to others or keep
them with your card.
- allow anyone to use your card or card details.
- give anyone your card details, except for when you make a
transaction or contact us.
- install the app on a device that does not belong to you or
allow anyone else to access it.
13.3 You must tell us
straightaway by calling us on 0800 011 3210 (or +44 191 284 9005
from abroad) if a card is lost or stolen or you think it may be
misused or if someone knows your PIN. You also need to tell us
if someone who is not a permitted third party provider knows
your card details, passwords or security information. You must
give us all the information you have about the loss, theft or
misuse. We may also give information to the police.
14.3 You must tell us
straightaway by calling us on 0800 011 3210 (or +44 191 284 9005
from abroad) if a card is lost or stolen or you think it may be
misused or if someone knows your PIN. You must give us all the
information you have about the loss, theft or misuse. We may
also give information to the police. You also need to tell us if
someone knows your card details, passwords or security
information, or if someone else has access to your app.
13.5 If your card,
card details, passwords or security information are misused by
someone who is not a permitted third party provider and who has
them with your, or an additional cardholder's permission, you
will have to pay for all transactions.
14.5 If your card,
card details, passwords or security information are misused by
someone who has them with your, or an additional cardholder's
permission, you will have to pay for all transactions.
15.1 In some
circumstances, we may prevent or limit the use of your card or
card details, decline a transaction or transfer whether
authorised by you, or a permitted third party provider, or refuse
to issue a replacement card, including where:
- a card is lost or stolen, or we suspect unauthorised or illegal
use.
- we reasonably consider there is a risk you will not be able to
repay us (even when you are paying the Minimum Payment).
- the transaction differs from your normal spending pattern or
exceeds your credit limit.
16.1 In some
circumstances, we may prevent or limit the use of your card or
card details, decline a transaction or transfer whether
authorised by you, or a permitted third party provider, or refuse
to issue a replacement card, including where:
- a card is lost or stolen, or we suspect unauthorised or illegal
use.
- we reasonably consider there is a risk you will not be able to
repay us (even when you are paying the Minimum Payment).
- the transaction differs from your normal spending pattern,
exceeds your credit limit or we have other security concerns
(like we have a good reason to think there is something
suspicious about the supplier).
15.4 If we suspect
fraud, we will make further checks. If we are satisfied there is
no fraud, we will then process the transaction. If we refuse to
carry out a transaction, we may ask the supplier to tell you this
or we may contact you directly by letter, email, phone or text.
If we do not, you can ask us for details and, if possible, we
will explain why and whether you can do anything to solve the
problem.
16.4 If we suspect
fraud, we will make further checks. If we are satisfied there is
no fraud, we will then process the transaction or let it go ahead
if you try again. If we refuse to carry out a transaction, we may
ask the supplier to tell you this or we may contact you directly
by letter, email, phone or text. If we do not, you can ask us for
details and, if possible, we will explain why and whether you can
do anything to solve the problem.
15.5 We may prevent a
permitted third party provider from accessing your account if we
think their request may be unauthorised or fraudulent. Unless
the law prevents us from doing so or we believe it would
compromise our security measures, if we can identify them, we
will let you know what has happened as soon as possible by
phone, letter or text.
16.5 We may prevent a
permitted third party provider from accessing your account if we
think their request may be unauthorised or fraudulent. Unless
the law prevents us from doing so or we believe it would
compromise our security measures, we will let you know what has
happened as soon as possible by phone, letter, email or text.
-------------
Other changes
-------------
We've made some other small
changes, which are shown below, including how we make future
changes to your terms fairer:
Current Wording
New Wording
6.12 You, and any
additional cardholder, must not use your card or card details:
- for an illegal purpose.
- after the expiry date shown on the card.
- after we have told you not to make new transactions.
6.12 You, and any
additional cardholder, must not use your card or card details:
- for an illegal purpose.
- for a gambling transaction (unless you are buying a National
Lottery ticket or other society lottery tickets and/or you are
making the transaction in person at a retail store) or to trade
in cryptocurrencies.
- after the expiry date shown on the card.
- after we have told you not to make new transactions.
7.6 We may give you
promotions. If we offer a promotion, we will tell you the
promotional rate and any fees, how long the offer period lasts
for and any other information relevant at the time.
7.6 We may offer you
promotional rates. We will take into account your circumstances
before we do this. If we give you a promotional rate, we will
tell you what it is and any fees, how long it lasts for and any
other information relevant at the time.
7.7 If you take the
promotion, this will be shown on your statement.
7.7 If you take the
promotional rate, this will be shown on your statement.
New clause
15.8 If someone sends
a payment to your account by mistake, we will check with you
whether you agree that we can return it. If you do not and we are
asked for your information, we will give your name, address and
other details to the other person (if they bank with us) or their
bank (if they do not bank with us) so that they can claim their
money back from you directly.
16.1 We may change or
introduce new interest rates, fees and charges because of
changes:
- in the cost of providing your account.
- to law, regulation, banking practice or other external factors.
- we need to make to operate our business profitably and soundly.
- in the assessment of your credit risk.
17.1 We may change or
introduce new interest rates, fees and charges because of
changes:
- that are favourable to you.
- in the cost of providing your account have gone up, including
due to changes to the Bank of England base rate (or any rate that
replaces it).
- to law, regulation, banking practice or code of practice that
applies to us, or following a decision by a court, regulator or
ombudsman.
- if we have a good reason to think that a change in your
circumstances means that there is a greater risk that you will
not be able to repay us (for example, if you fail to make your
Minimum Payment by the payment due date or on the basis of
information we get from Credit Reference Agencies).
16.2 As well as for
the reasons given above, we may also change this agreement to:
- reflect new technologies and other innovations, or changes to
systems or card schemes.
- change our services or how we operate.
- make this agreement clearer to you and to correct errors.
17.2 As well as for
the reasons given above, we may also change this agreement to:
- reflect changes to how we manage your account because of a
change to the systems or technology we use or to a card scheme.
- stop, change or replace a service or introduce a new feature.
- make the agreement clearer to you and to correct small errors.
16.4 If we make a
change that will benefit you, we may make it immediately and
tell you about it within 30 days. You are still free to close
the account at any time.
17.4 If we make a
change that will benefit you, we may make it immediately and
tell you about it within 30 days.
New clause
17.5 Whenever we make
a change, we will make sure it is fair. If we tell you about a
change and you are not happy, you are free to close your
account. If we do not hear from you, we will assume you are
happy for us to make the change.
We're a sociable bunch,
follow us
Twitter ( http://t.emails.virginmoney.com/r/=3Fid=3Dt7710404,2671aa5,1983324 )
Facebook ( http://t.emails.virginmoney.com/r/=3Fid=3Dt7710404,2671aa5,1983325 )
Instagram ( http://t.emails.virginmoney.com/r/=3Fid=3Dt7710404,2671aa5,1983326 )
YouTube ( http://t.emails.virginmoney.com/r/=3Fid=3Dt7710404,2671aa5,1983327 )
Cookies ( http://t.emails.virginmoney.com/r/=3Fid=3Dt7710404,2671aa5,1983328&p1=3D40311461 ) =95 Privacy policy ( http://t.emails.virginmoney.com/r/=3Fid=3Dt7710404,2671aa5,1983329&p1=3D40311461 ) =95 Staying safe online ( http://t.emails.virginmoney.com/r/=3Fid=3Dt7710404,2671aa5,198332a&p1=3D40311461 )
Please note we will never contact
you via email asking you for any personal, security or account
information such as your PIN, full banking password or Internet
Banking login details.
If for any reason you think this email is not from the team at
Virgin Money please forward it to us at
report.phishing@virginmoney.com (please note no acknowledgement will be sent).
Clydesdale Bank PLC (which also trades as Virgin Money, Yorkshire
Bank and B) is authorised by the Prudential Regulation Authority
and regulated by the Financial Conduct Authority and the
Prudential Regulation Authority. Financial Services Register No.
121873. Credit facilities other than regulated mortgages and
regulated credit agreements are not regulated by the Financial
Conduct Authority. Clydesdale Bank PLC is registered in Scotland
(No. SC001111). Registered Office: 30 St Vincent Place, Glasgow
G1 2HL.
To ensure that you receive all emails about your card, add
email@creditcard.virginmoney.com to your email address book or
Safe List.
We have sent this email to you in order to service your credit
card account and it is confidential and for use by the addressee
only. However, since email is not a secure form of communication,
please do not reply to us by email.
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ms are changing'
aria-roledescription=3D"email">
<TABLE width=3D"100%" role=3D"presentation" border=3D"0" cellspacing=3D"0" =
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<DIV style=3D"margin: 0px auto; max-width: 660px;"><!-- SNIPPET --> =
<DIV class=3D"dsk" style=3D"display: none; visibility: hidden; max-he=
ight: 0px;">
<TABLE width=3D"100%" role=3D"presentation" border=3D"0" cellspacing=
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cellpadding=3D"0">
<TBODY>
<TR>
<TD class=3D"ph32" valign=3D"top" style=3D"padding: 16px 24px 0px=
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<P style=3D"margin: 0px; color: rgb(35, 40, 45); line-height: 1=
.2em; font-family: Arial,Helvetica,sans-serif; font-size: 0.75em;">
Your Terms are changing =
</P></TD>
<TD class=3D"ph32" valign=3D"top" style=3D"padding: 16px 24px 0px=
; text-align: right;">
<P style=3D"margin: 0px; color: rgb(35, 40, 45); line-height: 1=
.2em; font-family: Arial,Helvetica,sans-serif; font-size: 0.75em;"><a style=
=3D"color: rgb(35, 40, 45); text-decoration: underline;" href=3D"http://t.e=
mails.virginmoney.com/r/=3Fid=3Dh7710404,2671aa5,1983313&p1=3D%40iweTz8eTVS=
4VCKG4pBP0TZ%2BelwBJtVcf79OEe0aeeL8%3D" target=3D"_blank" _label=3D"Mirror =
Page" _type=3D"mirrorPage">View in
browser</A> </P></TD></TR></TBODY></T=
ABLE></DIV><!-- //SNIPPET -->
<!-- SECURITY --> =
<TABLE width=3D"100%" role=3D"presentation" border=3D"0" cellspacing=
=3D"0"
cellpadding=3D"0">
<TBODY>
<TR>
<TD class=3D"ph32" style=3D"padding: 8px 24px 16px; text-align: l=
eft;">
<P style=3D"margin: 0px; color: rgb(35, 40, 45); line-height: 1=
.5em; font-family: Arial,Helvetica,sans-serif; font-size: 0.75em;">
So you know our emails are genuine,
whenever we include links to our website in emails we will also=
quote the last four digits of your card number: 8283 =
</P></TD></TR></TBODY></TABLE><!-- //SECURITY --> =
<!-- HEADER -->
<TABLE width=3D"100%" role=3D"presentation" bgcolor=3D"#ffffff" borde=
r=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD align=3D"left" class=3D"ph32" style=3D"padding: 24px;"><a hre=
f=3D"http://t.emails.virginmoney.com/r/=3Fid=3Dh7710404,2671aa5,1983314" ta=
rget=3D"_blank"><IMG width=3D"277" style=3D"width: 100%; height: auto; disp=
lay: block; max-width: 277px;"
alt=3D"Virgin Money" src=3D"https://res.emails.virginmoney.com/=
res/virginm_mkt_prod3/vm_red.png"></A>
</TD></TR></TBODY></TABLE><!-- //HEADER=
-->
=
=
=
<!-- HR3 --> =
<TABLE width=3D"100%" role=3D"presentation" bgcolor=3D"#ffffff" borde=
r=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD class=3D"ph32" style=3D"padding: 24px 24px 32px; text-align: =
left;"
bgcolor=3D"#e10a0a">
<H1 style=3D"margin: 0px; color: rgb(255, 255, 255); text-trans=
form: uppercase; line-height: 1.2em; font-family: Arial,Helvetica,sans-seri=
f; font-size: 2em; font-weight: 400;">
YO=
UR
TERMS ARE CHANGING =
</H1></TD></TR>
<TR>
<TD><IMG width=3D"660" style=3D"width: 100%; height: auto; displa=
y: block;"
alt=3D"" src=3D"https://res.emails.virginmoney.com/res/virginm_=
mkt_prod3/pattern_hero_red_light.png"
border=3D"0"></TD></TR></TBODY></TABLE><!-- //HR3 --> =
=
=
=
<!-- C2 --> =
<TABLE width=3D"100%" role=3D"presentation" bgcolor=3D"#ffffff" borde=
r=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
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<TR>
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<P style=3D"margin: 0px; color: rgb(0, 0, 1); line-height: 1.5e=
m; font-family: Arial,Helvetica,sans-serif; font-size: 1em;">
He=
llo
Vincent,<BR><BR>We're getting in touch to let you know about
some changes to your credit card Terms. These come into effect =
on 5
August 2021 so it's important to understand what they mean for =
you.
You can see exactly what's changing below - or view your full T=
erms
<a style=3D"color: rgb(0, 0, 1); text-decoration: underline;" h=
ref=3D"http://t.emails.virginmoney.com/r/=3Fid=3Dh7710404,2671aa5,1983315" =
target=3D"_blank"><STRONG>here</STRONG></A>.
</P></TD></TR></TBODY></TABLE><!-- //C2 --> =
=
=
=
<!-- C2 --> =
<TABLE width=3D"100%" role=3D"presentation" bgcolor=3D"#ffffff" borde=
r=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD align=3D"left" class=3D"ph32" style=3D"padding: 0px 24px 32px=
; text-align: left;">
<H2 style=3D"margin: 0px 0px 0.5em; text-align: left; color: rg=
b(225, 10, 10); line-height: 1.2em; font-family: Arial,Helvetica,sans-serif=
; font-size: 1.5em; font-weight: 500;">
If=
you're happy, we're happy =
</H2>
<P style=3D"margin: 0px; color: rgb(0, 0, 1); line-height: 1.5e=
m; font-family: Arial,Helvetica,sans-serif; font-size: 1em;">
If=
we
don't hear from you, we'll assume that you're happy with your n=
ew
Terms. If you're not, you're free to close your account at any =
time
- although we'd be sad to see you go. You can do this by comple=
ting
a form <a style=3D"color: rgb(0, 0, 1); text-decoration: underl=
ine;" href=3D"http://t.emails.virginmoney.com/r/=3Fid=3Dh7710404,2671aa5,19=
83316" target=3D"_blank"><STRONG>online</STRONG></A>. =
</P></TD></TR></TBODY></TABLE><!-- //C2 --> =
=
=
=
<!-- C2 --> =
<TABLE width=3D"100%" role=3D"presentation" bgcolor=3D"#ffffff" borde=
r=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD align=3D"left" class=3D"ph32" style=3D"padding: 0px 24px 32px=
; text-align: left;">
<H2 style=3D"margin: 0px 0px 0.5em; text-align: left; color: rg=
b(225, 10, 10); line-height: 1.2em; font-family: Arial,Helvetica,sans-serif=
; font-size: 1.5em; font-weight: 500;">
Simpler, smarter, faster =
</H2>
<P style=3D"margin: 0px; color: rgb(0, 0, 1); line-height: 1.5e=
m; font-family: Arial,Helvetica,sans-serif; font-size: 1em;">
Yo=
ur
Virgin Money Credit Card comes with Contactless payment technol=
ogy.
The payment limit is increasing later in the year, so you'll be=
able
to tap-to-pay for things up to =A3100. =
</P></TD></TR></TBODY></TABLE><!-- //C2 --> =
=
=
=
<!-- C2 --> =
<TABLE width=3D"100%" role=3D"presentation" bgcolor=3D"#ffffff" borde=
r=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD align=3D"left" class=3D"ph32" style=3D"padding: 0px 24px 32px=
; text-align: left;">
<H2 style=3D"margin: 0px 0px 0.5em; text-align: left; color: rg=
b(225, 10, 10); line-height: 1.2em; font-family: Arial,Helvetica,sans-serif=
; font-size: 1.5em; font-weight: 500;">
He=
lp is
at hand =
</H2>
<P style=3D"margin: 0px; color: rgb(0, 0, 1); line-height: 1.5e=
m; font-family: Arial,Helvetica,sans-serif; font-size: 1em;">
If=
you're unsure about anything or have a question for us, check o=
ut
our <a style=3D"color: rgb(0, 0, 1); text-decoration: underline=
;" href=3D"http://t.emails.virginmoney.com/r/=3Fid=3Dh7710404,2671aa5,19833=
17" target=3D"_blank"><STRONG>online help</STRONG></A>.<BR><BR><SPAN
style=3D"color: rgb(225, 10, 10);"><STRONG>The team at Virgin
Money</STRONG></SPAN>
</P></TD></TR></TBODY></TABLE><!-- //C2 --> =
<!-- C1 -->
<TABLE width=3D"100%" role=3D"presentation" bgcolor=3D"#ffffff" borde=
r=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD>
<DIV class=3D"dsk" style=3D"display: none; visibility: hidden; =
max-height: 0px;"><IMG
width=3D"660" style=3D"width: 100%; height: auto; display: bloc=
k;" alt=3D"Red thread"
src=3D"https://images.emlcdn.net/cdn/1001923/78ce362f-bac3-4771=
-bf59-cdf9b6f9da33/Thread.png"
border=3D"0"></DIV><!--[if !mso]><!--> =
<DIV class=3D"mob" style=3D"mso-hide: all;"><IMG width=3D"460" =
class=3D"fluid"
style=3D"width: 100%; height: auto; display: block; min-width: =
100%; max-width: 460px;"
alt=3D"Red thread" src=3D"https://images.emlcdn.net/cdn/1001923=
/78ce362f-bac3-4771-bf59-cdf9b6f9da33/Thread2.png"
border=3D"0"></DIV><!--<![endif]-->
</TD></TR></TBODY></TABLE><!-- //C1 --> =
=
=
=
<!-- C2 --> =
<TABLE width=3D"100%" role=3D"presentation" bgcolor=3D"#ffffff" borde=
r=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD align=3D"left" class=3D"ph32" style=3D"padding: 24px 24px 32p=
x; text-align: left;">
<H2 style=3D"margin: 0px 0px 0.5em; text-align: left; color: rg=
b(225, 10, 10); line-height: 1.2em; font-family: Arial,Helvetica,sans-serif=
; font-size: 1.5em; font-weight: 500;">
Ch=
anges
to your Terms =
</H2>
<P style=3D"margin: 0px; color: rgb(0, 0, 1); line-height: 1.5e=
m; font-family: Arial,Helvetica,sans-serif; font-size: 0.87em;">
Al=
l of
the changes to your Terms are shown below. Where it's a simple
change, we've explained what we've done. Where there are big
differences to your Terms, we've also included a table to show =
the
current and new wording.
</P></TD></TR></TBODY></TABLE><!-- //C2 --> =
=
=
=
<!-- C2 --> =
<TABLE width=3D"100%" role=3D"presentation" bgcolor=3D"#ffffff" borde=
r=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD align=3D"left" class=3D"ph32" style=3D"padding: 0px 24px 32px=
; text-align: left;">
<H2 style=3D"margin: 0px 0px 0.5em; text-align: left; color: rg=
b(225, 10, 10); line-height: 1.2em; font-family: Arial,Helvetica,sans-serif=
; font-size: 1em; font-weight: 500;">
Fe=
es
and charges =
</H2>
<P style=3D"margin: 0px; color: rgb(0, 0, 1); line-height: 1.5e=
m; font-family: Arial,Helvetica,sans-serif; font-size: 0.87em;">
La=
st
year, we told customers that we were increasing our default cha=
rges
from =A39 to =A312. We didn't do this because of the COVID-19 p=
andemic -
it stayed at =A39 - but we're now going to increase this fee to=
=A312.
However, we'll no longer charge =A34 for a copy statement. =
</P></TD></TR></TBODY></TABLE><!-- //C2 --> =
=
=
=
<!-=
- C2 -->
<TABLE width=3D"100%" role=3D"presentation" bgcolor=3D"#ffffff" borde=
r=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD align=3D"left" class=3D"ph32" style=3D"padding: 0px 24px 32px=
; text-align: left;">
<H2 style=3D"margin: 0px 0px 0.5em; text-align: left; color: rg=
b(225, 10, 10); line-height: 1.2em; font-family: Arial,Helvetica,sans-serif=
; font-size: 1em; font-weight: 500;">
Promotional rates =
</H2>
<P style=3D"margin: 0px; color: rgb(0, 0, 1); line-height: 1.5e=
m; font-family: Arial,Helvetica,sans-serif; font-size: 0.87em;">
We=
are
updating our Terms so it=92s clear that you=92ll keep any promo=
tional
rates if you go over your credit limit. This means that you wil=
l now
only lose any promotional rates if your minimum payment has not=
been
made on time or in full.
</P></TD></TR></TBODY></TABLE><!-- //C2 --> =
=
=
=
<!-- C2 --> =
<TABLE width=3D"100%" role=3D"presentation" bgcolor=3D"#ffffff" borde=
r=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD align=3D"left" class=3D"ph32" style=3D"padding: 0px 24px 32px=
; text-align: left;">
<H2 style=3D"margin: 0px 0px 0.5em; text-align: left; color: rg=
b(225, 10, 10); line-height: 1.2em; font-family: Arial,Helvetica,sans-serif=
; font-size: 1em; font-weight: 500;">
Ca=
sh
Advances =
</H2>
<P style=3D"margin: 0px 0px 1em; color: rgb(0, 0, 1); line-heig=
ht: 1.5em; font-family: Arial,Helvetica,sans-serif; font-size: 0.87em;">
We=
're
updating the definition of a Cash Advance. This still includes =
cash
you withdraw using your credit card and buying foreign currency=
or
traveller's cheques - but we've made it clear that a Cash Advan=
ce
also includes: </P>
<UL type=3D"disc" style=3D"margin: 0px 0px 0px 16px; padding: 0=
px; color: rgb(0, 0, 1); line-height: 1.5em; font-family: Arial,Helvetica,s=
ans-serif; font-size: 0.87em;">
<LI style=3D"padding: 0px 0px 0.5em;"> =
gambling transactions and
spread betting. </LI>
<LI style=3D"padding: 0px 0px 0.5em;"> =
international money transf=
ers.
</LI>
<LI style=3D"padding: 0px 0px 0.5em;"> =
paying off other borrowing=
(like making a payment towards a loan or mortgage or using =
your
card to pay another credit card instead of doing a Balance
Transfer). </LI>
<LI style=3D"padding: 0px 0px 0.5em;"> =
adding money to a prepaid =
card,
virtual card or e-money account. =
</LI>
<LI style=3D"padding: 0px 0px 0.5em;"> =
investment activity - this=
includes binary trading, share trading and adding money to an=
investment account.
</LI></UL></TD></TR></TBODY></TABLE><!-- //C2 --> =
=
=
=
<!-- C2 --> =
<TABLE width=3D"100%" role=3D"presentation" bgcolor=3D"#ffffff" borde=
r=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD align=3D"left" class=3D"ph32" style=3D"padding: 0px 24px 32px=
; text-align: left;">
<H2 style=3D"margin: 0px 0px 0.5em; text-align: left; color: rg=
b(225, 10, 10); line-height: 1.2em; font-family: Arial,Helvetica,sans-serif=
; font-size: 1em; font-weight: 500;">
Op=
ening
hours =
</H2>
<P style=3D"margin: 0px; color: rgb(0, 0, 1); line-height: 1.5e=
m; font-family: Arial,Helvetica,sans-serif; font-size: 0.87em;">
Ou=
r
opening hours have changed slightly, although we'll still be he=
re
24/7 if you need to report a lost or stolen card. You can see o=
ur
latest opening hours and phone numbers on virginmoney.com. =
</P></TD></TR></TBODY></TABLE><!-- //C2 -->=
=
=
=
<=
!-- C2 -->
<TABLE width=3D"100%" role=3D"presentation" bgcolor=3D"#ffffff" borde=
r=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD align=3D"left" class=3D"ph32" style=3D"padding: 0px 24px 32px=
; text-align: left;">
<H2 style=3D"margin: 0px 0px 0.5em; text-align: left; color: rg=
b(225, 10, 10); line-height: 1.2em; font-family: Arial,Helvetica,sans-serif=
; font-size: 1em; font-weight: 500;">
Br=
exit
</=
H2>
<P style=3D"margin: 0px; color: rgb(0, 0, 1); line-height: 1.5e=
m; font-family: Arial,Helvetica,sans-serif; font-size: 0.87em;">
As=
a
result of Brexit, you can't make a complaint through the Europe=
an
Online Dispute Resolution (ODR) platform anymore. However, any
complaint that we can't sort out can still be passed to the
Financial Ombudsman Service (FOS). As the UK is now not part of=
the
European Economic Area (EEA), we've also updated any reference =
to
the EEA in your Terms to include the UK as well. =
</P></TD></TR></TBODY></TABLE><!-- //C2 --> =
=
=
=
<!-- C2 -->=
<TABLE width=3D"100%" role=3D"presentation" bgcolor=3D"#ffffff" borde=
r=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD align=3D"left" class=3D"ph32" style=3D"padding: 0px 24px 32px=
; text-align: left;">
<H2 style=3D"margin: 0px 0px 0.5em; text-align: left; color: rg=
b(225, 10, 10); line-height: 1.2em; font-family: Arial,Helvetica,sans-serif=
; font-size: 1em; font-weight: 500;">
Instalment plans =
</H2>
<P style=3D"margin: 0px; color: rgb(0, 0, 1); line-height: 1.5e=
m; font-family: Arial,Helvetica,sans-serif; font-size: 0.87em;">
We=
're
launching a new instalment plan - if you're eligible, this mean=
s you
can move a Balance Transfer or Card Purchase to a plan that let=
s you
pay it off in equal amounts over a chosen period of time. This
should help you budget smarter as you'll know how much you need=
to
pay each month.<BR><BR>This new plan means we've added a new cl=
ause
that explains the features, as well as affecting other clauses =
in
the Terms. Because the new clause has been slotted in, all the
clause numbers after this have changed. =
</P></TD></TR></TBODY></TABLE><!-- //C2 --> =
=
=
=
<!-- C2 --> =
<TABLE width=3D"100%" role=3D"presentation" bgcolor=3D"#ffffff" borde=
r=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD align=3D"left" class=3D"ph32" style=3D"padding: 0px 24px 32px=
; text-align: left;">
<H2 style=3D"margin: 0px 0px 0.5em; text-align: left; color: rg=
b(225, 10, 10); line-height: 1.2em; font-family: Arial,Helvetica,sans-serif=
; font-size: 1em; font-weight: 500;">
10=
. How
do instalment plans work=3F =
</H2>
<P style=3D"margin: 0px 0px 1em; color: rgb(0, 0, 1); line-heig=
ht: 1.5em; font-family: Arial,Helvetica,sans-serif; font-size: 0.87em;">
10=
.1 We
may give you an option to carry out a Balance Transfer or pay b=
ack a
Card Purchase through an instalment plan. If we do, we will tel=
l you
which transactions you can include and anything else you need t=
o
know =96 like how long you have to decide and the fees. <BR><B=
R>10.2
Each month, to keep your instalment plan on track, you must pay=
your
Requested Payment. This is made up of your Minimum Payment plus=
the
amount you need to pay to keep your instalment plan on track. Y=
ou
will see the details on your statement. <BR><BR>10.3 When you =
take
out an instalment plan, we will confirm your monthly instalment=
plan
payment =96 this will be the same each month and will be includ=
ed in
your Requested Payment. We work this out by adding the total
instalment plan fee to the plan amount and dividing that by the=
months in your plan. The instalment plan fees charged each mont=
h
might vary by a few pennies but will never add up to more than =
the
total instalment plan fee. <BR><BR>10.4 Your monthly instalmen=
t
plan payment is voluntary but, if you do not pay all of it on t=
ime
and in full, the amount you did not pay will no longer be part =
of
your instalment plan. You will be charged interest from the da=
y of
your next statement on the amount you did not pay at the standa=
rd
rate for the type of transaction that the instalment plan was s=
et up
to pay back. We will never charge interest on any instalment pl=
an
fees. <BR><BR>10.5 You can choose to cancel your instalment pl=
an at
any time. Just tell us. <BR><BR>10.6 We may cancel your instal=
ment
plan if any of these things happen: =
</P>
<UL type=3D"disc" style=3D"margin: 0px 0px 0px 16px; padding: 0=
px; color: rgb(0, 0, 1); line-height: 1.5em; font-family: Arial,Helvetica,s=
ans-serif; font-size: 0.87em;">
<LI style=3D"padding: 0px 0px 0.5em;"> =
you do not pay the Request=
ed
Payment three times during the instalment plan. =
</LI>
<LI style=3D"padding: 0px 0px 0.5em;"> =
if we reasonably believe, =
as a
responsible lender, it is necessary to. <BR></LI>
<LI style=3D"padding: 0px 0px 0.5em;"> =
your credit agreement ends=
.
</LI></UL></TD></TR></TBODY></TAB=
LE><!-- //C2 -->
=
=
=
=
<!-- C2 -->
<TABLE width=3D"100%" role=3D"presentation" bgcolor=3D"#ffffff" borde=
r=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD align=3D"left" class=3D"ph32" style=3D"padding: 0px 24px 32px=
; text-align: left;">
<P style=3D"margin: 0px 0px 1em; color: rgb(0, 0, 1); line-heig=
ht: 1.5em; font-family: Arial,Helvetica,sans-serif; font-size: 0.87em;">
10=
.7
When an instalment plan is cancelled either by you or us: =
</P>
<UL type=3D"disc" style=3D"margin: 0px 0px 0px 16px; padding: 0=
px; color: rgb(0, 0, 1); line-height: 1.5em; font-family: Arial,Helvetica,s=
ans-serif; font-size: 0.87em;">
<LI style=3D"padding: 0px 0px 0.5em;"> =
you will not have to pay
anything more towards the total instalment plan fees from you=
r
next statement but you will have to pay any instalment plan f=
ees
that already appear on a statement. =
</LI>
<LI style=3D"padding: 0px 0px 0.5em;"> =
you will be charged intere=
st on
what is left on your instalment plan at your standard rate fo=
r the
type of transaction that the instalment plan was set up to pa=
y
back from the date it was cancelled. =
</LI></UL></TD></TR></TBODY></TABLE><!-- //C2 --> =
=
=
=
<!-- C2 --> =
<TABLE width=3D"100%" role=3D"presentation" bgcolor=3D"#ffffff" borde=
r=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD align=3D"left" class=3D"ph32" style=3D"padding: 0px 24px 32px=
; text-align: left;">
<P style=3D"margin: 0px 0px 1em; color: rgb(0, 0, 1); line-heig=
ht: 1.5em; font-family: Arial,Helvetica,sans-serif; font-size: 0.87em;">
10=
.8 If
your instalment plan is cancelled after your statement but befo=
re
your due date: </P>
<UL type=3D"disc" style=3D"margin: 0px 0px 0px 16px; padding: 0=
px; color: rgb(0, 0, 1); line-height: 1.5em; font-family: Arial,Helvetica,s=
ans-serif; font-size: 0.87em;">
<LI style=3D"padding: 0px 0px 0.5em;"> =
you will still be charged =
the
instalment plan fee shown on your statement. =
</LI>
<LI style=3D"padding: 0px 0px 0.5em;"> =
you will need to pay at le=
ast
the Minimum Payment shown on your statement as normal. =
</LI>
<LI style=3D"padding: 0px 0px 0.5em;"> =
your Direct Debit will be =
for
the Requested Payment shown on your statement. Even though th=
e
instalment plan has ended, it will not take this into account=
until your next statement.
</LI></UL></TD></TR></TBODY></TABLE><!-- //C2 --> =
=
=
=
<!-- C2 --> =
<TABLE width=3D"100%" role=3D"presentation" bgcolor=3D"#ffffff" borde=
r=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD align=3D"left" class=3D"ph32" style=3D"padding: 0px 24px 32px=
; text-align: left;">
<P style=3D"margin: 0px; color: rgb(0, 0, 1); line-height: 1.5e=
m; font-family: Arial,Helvetica,sans-serif; font-size: 0.87em;">
We=
've
updated section 2.2 of your Tariff with some more detail on
instalment plans. We've also made some changes to the rest of t=
he
Terms. </P></TD></TR></TBODY></TA=
BLE><!-- //C2 -->
<TABLE width=3D"100%" style=3D"max-width: 660px;" bgcolor=3D"#ffffff"=
border=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD class=3D"ph32" style=3D"padding-right: 15px; padding-bottom: =
25px; padding-left: 15px;">
<TABLE width=3D"100%" bgcolor=3D"#ffffff" border=3D"0" cellspac=
ing=3D"0"
cellpadding=3D"0">
<TBODY>
<TR>
<TD style=3D"text-align: left; color: rgb(1, 1, 1); line-he=
ight: 16px; font-family: Arial,Helvetica,sans-serif; font-size: 12px; font-=
weight: 500; vertical-align: top; border-right-color: rgb(225, 10, 10); bor=
der-left-color: rgb(225, 10, 10); border-right-width: 1px; border-left-widt=
h: 1px; border-right-style: solid; border-left-style: solid;">
<TABLE width=3D"100%" style=3D"border-top-color: rgb(225,=
10, 10); border-bottom-color: rgb(225, 10, 10); border-top-width: 1px; bor=
der-bottom-width: 1px; border-top-style: solid; border-bottom-style: solid;=
"
bgcolor=3D"#ececec" border=3D"0" cellspacing=3D"0"
cellpadding=3D"0"><TBODY>
<TR>
<TD width=3D"33%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px;">
<P style=3D"margin: 0px;"> =
=
Transaction type =
</P></TD>
<TD width=3D"33%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; border-left-color: rgb(225, 1=
0, 10); border-left-width: 1px; border-left-style: solid;">
<P style=3D"margin: 0px;"> =
=
Annual interest rate (variable) =
</P></TD>
<TD width=3D"33%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; border-left-color: rgb(225, 1=
0, 10); border-left-width: 1px; border-left-style: solid;">
<P style=3D"margin: 0px;"> =
=
Transaction fee =
</P></TD></TR></TBODY></TABLE>
<TABLE width=3D"100%" style=3D"border-bottom-color: rgb(2=
25, 10, 10); border-bottom-width: 1px; border-bottom-style: solid;"
border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"33%" class=3D"dataCellStyling" style=3D"=
padding: 10px; color: rgb(1, 1, 1);">
<P style=3D"margin: 0px;"> =
=
Instalment plan<BR>(a Balance Transfer or Card Purc=
hase
that has been put on an instalment plan)<BR>from th=
e
account opening date until further notice =
</P></TD>
<TD width=3D"33%" class=3D"dataCellStyling" style=3D"=
padding: 10px; color: rgb(1, 1, 1); border-left-color: rgb(225, 10, 10); bo=
rder-left-width: 1px; border-left-style: solid;">
<P style=3D"margin: 0px;"> =
=
0.00% p.a. =
</P></TD>
<TD width=3D"33%" class=3D"dataCellStyling" style=3D"=
padding: 10px; color: rgb(1, 1, 1); border-left-color: rgb(225, 10, 10); bo=
rder-left-width: 1px; border-left-style: solid;">
<P style=3D"margin: 0px;"> =
=
We
will charge instalment plan fees which we will tell=
you
about beforehand. =
</P></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR><=
/TBODY></TABLE>
<TABLE width=3D"100%" style=3D"max-width: 660px;" bgcolor=3D"#ffffff"=
border=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD class=3D"ph32" style=3D"padding-top: 20px; padding-right: 15p=
x; padding-left: 15px;">
<TABLE width=3D"100%" border=3D"0" cellspacing=3D"0" cellpaddin=
g=3D"0">
<TBODY>
<TR>
<TD style=3D"text-align: left; color: rgb(43, 48, 54); line=
-height: 16px; font-family: Arial, sans-serif; font-size: 12px; font-weight=
: 500; vertical-align: top;">
<TABLE width=3D"100%" style=3D"border-top-color: rgb(225,=
10, 10); border-bottom-color: rgb(225, 10, 10); border-top-width: 1px; bor=
der-bottom-width: 1px; border-top-style: solid; border-bottom-style: solid;=
"
border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"><STRONG>Current Wording</=
STRONG>
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;">
<P style=3D"margin: 0px;"><STRONG>New Wording</STRO=
NG>
</P></TD></TR></TBODY></TABLE>
<TABLE width=3D"100%" bgcolor=3D"#ffffff" border=3D"0" ce=
llspacing=3D"0"
cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
7.1 We charge interest on all
transactions and related fees, and on any unpaid
interest, at the relevant rate for that type of
transaction. The different transaction types are sh=
own
in our Tariff. We charge interest on other charges =
and
amounts added to your account, at the standard rate=
for
Card Purchases. =
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left;">
<P style=3D"margin: 0px;"> =
=
7.1
We charge interest on all transactions and related =
fees
(other than instalment plan fees), and on any unpai=
d
interest, at the relevant rate for that type of
transaction. The different transaction types are sh=
own
in our Tariff. We charge interest on other charges =
and
amounts added to your account, at the standard rate=
for
Card Purchases. =
</P></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR><=
/TBODY></TABLE>
<TABLE width=3D"100%" style=3D"max-width: 660px;" bgcolor=3D"#ffffff"=
border=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD class=3D"ph32" style=3D"padding-right: 15px; padding-left: 15=
px;">
<TABLE width=3D"100%" border=3D"0" cellspacing=3D"0" cellpaddin=
g=3D"0">
<TBODY>
<TR>
<TD style=3D"text-align: left; color: rgb(43, 48, 54); line=
-height: 16px; font-family: Arial, sans-serif; font-size: 12px; font-weight=
: 500; vertical-align: top;">
<TABLE width=3D"100%" style=3D"border-top-color: rgb(225,=
10, 10); border-bottom-color: rgb(225, 10, 10); border-top-width: 1px; bor=
der-bottom-width: 1px; border-top-style: solid; border-bottom-style: solid;=
"
border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
7.2 We will not charge interest o=
n
Card Purchases and related fees as long as you pay=
the
full balance shown on your statement by the paymen=
t
date. Otherwise, we will charge interest each day =
on
all transactions and related fees, on unpaid inter=
est
and on any other amounts, from the date they are a=
dded
to your account until you pay them off in full. =
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;">
<P style=3D"margin: 0px;"> =
=
7.2.=09We will not charge interest on Card Purchase=
s and
related fees, as long as you pay the balance shown =
on
your statement (excluding any instalment plans and
transfers on a promotional rate) by the payment dat=
e.
Otherwise, we will charge interest each day on all
transactions and related fees, on unpaid interest a=
nd on
any other amounts, from the date they are added to =
your
account until you pay them off in full. =
</P></TD></TR></TBODY></TA=
BLE>
<TABLE width=3D"100%" bgcolor=3D"#ffffff" border=3D"0" ce=
llspacing=3D"0"
cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
9.1 Each month you must pay at le=
ast
the Minimum Payment in pounds sterling, shown on yo=
ur
statement. This will be the greater of:<BR>- =A325,=
or the
whole balance shown if it is less, or <BR>- the
interest, any default charges and annual card fee, =
plus
1% of the remaining balance, or<BR>- the amount we =
tell
you under section 9.2 =
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left;">
<P style=3D"margin: 0px;"> =
=
9.1
Each month you must pay at least the Minimum Paymen=
t in
pounds sterling, shown on your statement. If you =
do
not have any instalment plans, your Minimum Payment=
will
be the greater of: <BR>- =A325 or the whole balan=
ce
shown if it is less, or <BR>- the interest, any de=
fault
charges, annual card fee and 1% of the remaining
balance. <BR><BR>If you have one or more instalmen=
t
plans as well as non-instalment plan balances, your=
Minimum Payment will be: <BR>- the interest, any
default charges, annual card fee and 1% of the rema=
ining
non-instalment plan balance (rounded up to =A325 or=
the
whole balance shown if it is less), plus <BR>- 1% =
of
what is left to repay on the instalment plan(s) and=
1%
of the monthly instalment plan fees. <BR><BR>If y=
our
balance is made up only of one or more instalment p=
lans,
your Minimum Payment will be: <BR>- any default ch=
arges
and annual card fee, plus <BR>- 1% of what is left=
to
repay on the instalment plan(s) and 1% of the month=
ly
instalment plan fees. <BR><BR>In all cases, if we=
change your Minimum Payment under section 9.2, your=
Minimum Payment will always be that amount if that =
is
higher.
</P></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE=
></TD></TR></TBODY></TABLE>
<TABLE width=3D"100%" style=3D"max-width: 660px;" bgcolor=3D"#ffffff"=
border=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD class=3D"ph32" style=3D"padding-right: 15px; padding-left: 15=
px;">
<TABLE width=3D"100%" border=3D"0" cellspacing=3D"0" cellpaddin=
g=3D"0">
<TBODY>
<TR>
<TD style=3D"text-align: left; color: rgb(43, 48, 54); line=
-height: 16px; font-family: Arial, sans-serif; font-size: 12px; font-weight=
: 500; vertical-align: top;">
<TABLE width=3D"100%" style=3D"border-top-color: rgb(225,=
10, 10); border-bottom-color: rgb(225, 10, 10); border-top-width: 1px; bor=
der-bottom-width: 1px; border-top-style: solid; border-bottom-style: solid;=
"
border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
9.5 If you pay less than the tota=
l
balance each month, interest will be applied for t=
he
period between the statement date and the payment =
date
and added to the next month=92s balance on which i=
nterest
is charged. You can make other payments at any tim=
e.
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;">
<P style=3D"margin: 0px;"> =
=
9.5
Interest will be applied for the period between the=
statement date and the payment date and added to th=
e
next month=92s balance (on which interest is then
charged), unless you pay your full balance each mo=
nth
and your balance was made up only of Card Purchase=
s
and/or instalment plans. =
</P></TD></TR></TBODY></TABLE>
<TABLE width=3D"100%" style=3D"border-bottom-color: rgb(2=
25, 10, 10); border-bottom-width: 1px; border-bottom-style: solid;"
bgcolor=3D"#ffffff" border=3D"0" cellspacing=3D"0"
cellpadding=3D"0"><TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
11. We will allocate your payment=
s in
the following way:<BR>- We will repay balances with=
the
highest interest rates first, before repaying those=
with
lower interest rates.<BR>- Where we charge interest=
on
multiple promotional balances at the same rate, we =
will
pay off the balances in the order that the promotio=
nal
rates expire (for example, a balance with a promoti=
onal
rate that ends in two months' time will be paid off=
before one that ends in six months' time).<BR>- Whe=
re
promotional rates expire at the same time, we will =
pay
off the balances in the following order: Money
Transfers, Balance Transfers, Card Purchases.<BR>- =
We
will always pay off existing balances that appear o=
n
your statement, before any new transactions that yo=
u
have made, but are not yet shown on a statement. =
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left;">
<P style=3D"margin: 0px;"> =
=
12.1 We will allocate your payments in the followin=
g
way: <BR>- Firstly, to your Minimum Payment in thi=
s
order: <BR>> any default charges, interest, an=
nual
card fee, and non-instalment plan balances, with th=
e
highest interest rate first, before repaying those =
on
lower interest rates, and then, <BR>> if you ha=
ve
instalment plans, up to 1% of what is left to repay=
on
any instalment plan(s) and 1% of any monthly instal=
ment
plan fees. <BR>- Secondly, if you have instalment=
plans, the rest of your monthly instalment plan
payments. <BR>- Then, your remaining balances th=
at
appear on your statement with the highest interest =
rate
first, before repaying those on lower interest rate=
s.
<BR>- Finally, new transactions that you have made,=
but
are not yet shown on a statement, with the highest
interest rate first, before repaying those on lower=
interest rates. <BR><BR>12.2 When we are allocat=
ing
your payments in the above order, we will take the
following into account: <BR><BR>- Where we charge
interest on multiple promotional balances and/or
instalment plans at the same rate, we will pay off =
the
balances in the order that the rate or instalment p=
lan
is due to end (for example, an instalment plan that=
is
due to end in two months=92 time will be paid off =
before
a promotional rate that ends in six months=92 time)=
.
<BR>- Where promotional rates and/or instalment pla=
ns
end at the same time, we will pay off the balances =
in
the following order: Money Transfers, Balance Trans=
fers
(including instalment plans for Balance Transfers),=
Card
Purchases (including instalment plans for Card
Purchases). <BR>- When you have instalment plans, =
any
additional payments put towards the instalment plan=
will
go to the final payment of the instalment plan, the=
n to
the payment before that and so on working backwards=
.
<BR><BR>12.3 The way we allocate payments means tha=
t
your instalment plan balance may be repaid more qui=
ckly
than other balances charged at a higher interest ra=
te.
</P></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE=
></TD></TR></TBODY></TABLE><!-- C2 -->
<TABLE width=3D"100%" role=3D"presentation" bgcolor=3D"#ffffff" borde=
r=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD align=3D"left" class=3D"ph32" style=3D"padding: 24px 24px 32p=
x; text-align: left;">
<H2 style=3D"margin: 0px 0px 0.5em; text-align: left; color: rg=
b(225, 10, 10); line-height: 1.2em; font-family: Arial,Helvetica,sans-serif=
; font-size: 1em; font-weight: 500;">
On=
line
Service =
</H2>
<P style=3D"margin: 0px; color: rgb(0, 0, 1); line-height: 1.5e=
m; font-family: Arial,Helvetica,sans-serif; font-size: 0.87em;">
As=
you
will already be aware, we switched off Online Service on 31 Jan=
uary
2021. The following clauses have been updated. =
</P></TD></TR></TBODY></TABLE><!-- //C2 --> =
<TABLE width=3D"100%" style=3D"max-width: 660px;" bgcolor=3D"#ffffff"=
border=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD class=3D"ph32" style=3D"padding-right: 15px; padding-left: 15=
px;">
<TABLE width=3D"100%" border=3D"0" cellspacing=3D"0" cellpaddin=
g=3D"0">
<TBODY>
<TR>
<TD style=3D"text-align: left; color: rgb(43, 48, 54); line=
-height: 16px; font-family: Arial, sans-serif; font-size: 12px; font-weight=
: 500; vertical-align: top;">
<TABLE width=3D"100%" style=3D"border-top-color: rgb(225,=
10, 10); border-bottom-color: rgb(225, 10, 10); border-top-width: 1px; bor=
der-bottom-width: 1px; border-top-style: solid; border-bottom-style: solid;=
"
border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"><STRONG>Current Wording</=
STRONG>
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;">
<P style=3D"margin: 0px;"><STRONG>New Wording</STRO=
NG>
</P></TD></TR></TBODY></TABLE>
<TABLE width=3D"100%" bgcolor=3D"#ffffff" border=3D"0" ce=
llspacing=3D"0"
cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
5.1 We will provide you with a ca=
rd
and a Personal Identification Number (PIN) once we =
have
opened your account. =
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left;">
<P style=3D"margin: 0px;"> =
=
5.1
We will provide you with a card and a Personal
Identification Number (PIN) once we have opened you=
r
account. We may tell you to view your PIN in the Vi=
rgin
Money Credit Card app. =
</P></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR><=
/TBODY></TABLE>
<TABLE width=3D"100%" style=3D"max-width: 660px;" bgcolor=3D"#ffffff"=
border=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD class=3D"ph32" style=3D"padding-right: 15px; padding-left: 15=
px;">
<TABLE width=3D"100%" border=3D"0" cellspacing=3D"0" cellpaddin=
g=3D"0">
<TBODY>
<TR>
<TD style=3D"text-align: left; color: rgb(43, 48, 54); line=
-height: 16px; font-family: Arial, sans-serif; font-size: 12px; font-weight=
: 500; vertical-align: top;">
<TABLE width=3D"100%" style=3D"border-top-color: rgb(225,=
10, 10); border-bottom-color: rgb(225, 10, 10); border-top-width: 1px; bor=
der-bottom-width: 1px; border-top-style: solid; border-bottom-style: solid;=
"
border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
6.2 You or your additional cardho=
lders
can authorise a transaction by:<BR>- using your car=
d
with a PIN or signature, or at a contactless
terminal.<BR>- using your card details online or ov=
er
the phone or through your mobile phone.<BR>- asking=
us
to make a Balance Transfer or Money Transfer (inclu=
ding
paying a credit balance back to you).<BR>- giving
instructions to a retailer to take payment from you=
r
account on a recurring basis.<BR>- giving us
instructions through a permitted third party provid=
er.
In this agreement, a permitted third party provider=
is
an account information or payment initiation servic=
e
provider that is authorised to provide that service=
. Our
website tells you about these third party providers=
.
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;">
<P style=3D"margin: 0px;"> =
=
6.2
You or your additional cardholders can authorise a
transaction by:<BR>- using your card with a PIN or
signature, or at a contactless terminal.<BR>- using=
your
card details online or over the phone or digital
wallet.<BR>- asking us to make a Balance Transfer o=
r
Money Transfer.<BR>- giving instructions to a retai=
ler
to take payment from your account on a recurring
basis.<BR><BR>You can also authorise a transaction
by:<BR>- asking us to send a credit balance back to=
you.<BR>- giving us instructions through a permitte=
d
third party provider. In this agreement, a permitte=
d
third party provider is an account information or
payment initiation service provider. Our website te=
lls
you about these third party providers. =
</P></TD></TR></TBODY></TAB=
LE>
<TABLE width=3D"100%" bgcolor=3D"#ffffff" border=3D"0" ce=
llspacing=3D"0"
cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
6.3 You can ask for a transfer on=
line,
over the phone, or by completing a transfer request=
form
that we have provided. To make a transfer, you will=
need
to tell us the sort code and account number or (for=
a
Balance Transfer) the full credit card number of th=
e
account you are transferring to. If these details a=
re
wrong, the transfer may be delayed, paid to the wro=
ng
account or returned to you, even if you provided th=
e
correct account name. If you provide the wrong deta=
ils
we will not be liable but we will try to recover th=
e
payment. If you ask us to, we will give you all of =
the
information we are allowed to by law to help you lo=
cate
the payment. =
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left;">
<P style=3D"margin: 0px;"> =
=
6.3
You can ask for a transfer through the app or over =
the
phone. To make a transfer, you will need to tell us=
the
sort code and account number or (for a Balance Tran=
sfer)
the full credit card number of the account you are
transferring to. If these details are wrong, the
transfer may be delayed, paid to the wrong account =
or
returned to you, even if you provided the correct
account name. If you provide the wrong details we w=
ill
not be liable but we will try to recover the paymen=
t. If
you ask us to, we will give you all of the informat=
ion
we are allowed to by law to help you locate the pay=
ment.
</P></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE=
></TD></TR></TBODY></TABLE>
<TABLE width=3D"100%" style=3D"max-width: 660px;" bgcolor=3D"#ffffff"=
border=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD class=3D"ph32" style=3D"padding-right: 15px; padding-bottom: =
20px; padding-left: 15px;">
<TABLE width=3D"100%" border=3D"0" cellspacing=3D"0" cellpaddin=
g=3D"0">
<TBODY>
<TR>
<TD style=3D"text-align: left; color: rgb(43, 48, 54); line=
-height: 16px; font-family: Arial, sans-serif; font-size: 12px; font-weight=
: 500; vertical-align: top;">
<TABLE width=3D"100%" style=3D"border-top-color: rgb(225,=
10, 10); border-bottom-color: rgb(225, 10, 10); border-top-width: 1px; bor=
der-bottom-width: 1px; border-top-style: solid; border-bottom-style: solid;=
"
border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
8.1 Each month there is a payment=
into
or out of your account or there is a payment due on=
your
account, we will let you know that there is a free
statement which you can view in Online Service. If =
you
have also requested a free paper statement we will =
post
it to you. =
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;">
<P style=3D"margin: 0px;"> =
=
8.1
Each month there is a payment into or out of your
account or there is a payment due on your account, =
we
will let you know that there is a free statement wh=
ich
you can view and download in the app. If you have a=
lso
requested a free paper statement we will post it to=
you.
</P></TD></TR></TBODY></TABLE>
<TABLE width=3D"100%" style=3D"border-bottom-color: rgb(2=
25, 10, 10); border-bottom-width: 1px; border-bottom-style: solid;"
bgcolor=3D"#ffffff" border=3D"0" cellspacing=3D"0"
cellpadding=3D"0"><TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
8.4 We may give you updated
information about your account, or tell you about
changes to this agreement by any means, including:<=
BR>-
messages on your monthly statement or your online
account.<BR>- post, phone or text.<BR>- email which=
may
include a link to our website virginmoney.com, or a=
PDF
(including PDF attachments).<BR>- via a secure mess=
age.
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left;">
<P style=3D"margin: 0px;"> =
=
8.4
We may give you updated information about your acco=
unt,
or tell you about changes to this agreement by any
means, including:<BR>- messages on your monthly
statement or in the app.<BR>- post, phone, text or =
(if
you have them enabled on your device) push
notifications.<BR>- email which may include a link =
to
our website virginmoney.com, or a PDF (including PD=
F
attachments). =
</P></TD></TR></TBODY></TABLE></TD></TR></TBODY></T=
ABLE></TD></TR></TBODY></TABLE><!-- C2 -->
<TABLE width=3D"100%" role=3D"presentation" bgcolor=3D"#ffffff" borde=
r=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD align=3D"left" class=3D"ph32" style=3D"padding: 0px 24px 32px=
; text-align: left;">
<H2 style=3D"margin: 0px 0px 0.5em; text-align: left; color: rg=
b(225, 10, 10); line-height: 1.2em; font-family: Arial,Helvetica,sans-serif=
; font-size: 1em; font-weight: 500;">
Pa=
ying
in other currencies =
</H2>
<P style=3D"margin: 0px; color: rgb(0, 0, 1); line-height: 1.5e=
m; font-family: Arial,Helvetica,sans-serif; font-size: 0.87em;">
We=
've
already updated you on this one, Mastercard=AE has changed the =
way it
handles foreign transactions when you spend money abroad. Since=
11
August 2020, your Card Purchases and Cash Advances will normall=
y be
converted to pounds sterling on the same day. This means you do=
n't
need to worry about a change to the exchange rate after you spe=
nd.
</P></TD></TR></TBODY></TABLE><!-- =
//C2 -->
<TABLE width=3D"100%" style=3D"max-width: 660px;" bgcolor=3D"#ffffff"=
border=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD class=3D"ph32" style=3D"padding-right: 15px; padding-left: 15=
px;">
<TABLE width=3D"100%" border=3D"0" cellspacing=3D"0" cellpaddin=
g=3D"0">
<TBODY>
<TR>
<TD style=3D"text-align: left; color: rgb(43, 48, 54); line=
-height: 16px; font-family: Arial, sans-serif; font-size: 12px; font-weight=
: 500; vertical-align: top;">
<TABLE width=3D"100%" style=3D"border-top-color: rgb(225,=
10, 10); border-bottom-color: rgb(225, 10, 10); border-top-width: 1px; bor=
der-bottom-width: 1px; border-top-style: solid; border-bottom-style: solid;=
"
border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"><STRONG>Current Wording</=
STRONG>
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;">
<P style=3D"margin: 0px;"><STRONG>New Wording</STRO=
NG>
</P></TD></TR></TBODY></TABLE>
<TABLE width=3D"100%" style=3D"border-bottom-color: rgb(2=
25, 10, 10); border-bottom-width: 1px; border-bottom-style: solid;"
bgcolor=3D"#ffffff" border=3D"0" cellspacing=3D"0"
cellpadding=3D"0"><TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
12.2 If you carry out a transacti=
on
(which includes refunds) using your card in a curre=
ncy
other than pounds sterling, it will be converted in=
to
pounds sterling at an exchange rate on the day the
transaction is taken from your account (which may n=
ot be
the same day as the date you make your transaction)=
. You
can ask us for the exchange rate that applies at th=
e
time or you can visit
www.mastercard.com/global/<BR>currencyconversion. T=
he
exchange rate used to convert the transaction will =
be
shown on your monthly statement. You can find out h=
ow
the exchange rate compares with the European Centra=
l
Bank's exchange rate at
virginmoney.com/currency-converter. =
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left;">
<P style=3D"margin: 0px;"> =
=
13.2 If you carry out a transaction (which includes=
refunds) using your card in a currency other than p=
ounds
sterling, it will usually be converted into pounds
sterling at an exchange rate on the day the transac=
tion
takes place. You can ask us for the exchange rate t=
hat
applies at the time or you can visit
www.mastercard.com/global/<BR>currencyconversion. T=
he
exchange rate used to convert the transaction will =
be
shown on your monthly statement. You can find out h=
ow
the exchange rate compares with the European Centra=
l
Bank's exchange rate at
virginmoney.com/currency-converter. =
</P></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD>=
</TR></TBODY></TABLE><!-- C2 -->
<TABLE width=3D"100%" role=3D"presentation" bgcolor=3D"#ffffff" borde=
r=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD align=3D"left" class=3D"ph32" style=3D"padding: 0px 24px 32px=
; text-align: left;">
<H2 style=3D"margin: 0px 0px 0.5em; text-align: left; color: rg=
b(225, 10, 10); line-height: 1.2em; font-family: Arial,Helvetica,sans-serif=
; font-size: 1em; font-weight: 500;"><BR>Open
Banking and security =
</H2>
<P style=3D"margin: 0px; color: rgb(0, 0, 1); line-height: 1.5e=
m; font-family: Arial,Helvetica,sans-serif; font-size: 0.87em;">
Op=
en
Banking is a safe, secure way for you to view and make payments=
from
some of your accounts in one place, on a single regulated app o=
r
website. We've made some small changes to confirm that your
shouldn't share your passwords or account details with anyone e=
lse,
even when using Open Banking. And a few other changes to help k=
eep
your account even more safe and secure. =
</P></TD></TR></TBODY></TABLE><!-- //C2 --> =
<TABLE width=3D"100%" style=3D"max-width: 660px;" bgcolor=3D"#ffffff"=
border=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD class=3D"ph32" style=3D"padding-right: 15px; padding-left: 15=
px;">
<TABLE width=3D"100%" border=3D"0" cellspacing=3D"0" cellpaddin=
g=3D"0">
<TBODY>
<TR>
<TD style=3D"text-align: left; color: rgb(43, 48, 54); line=
-height: 16px; font-family: Arial, sans-serif; font-size: 12px; font-weight=
: 500; vertical-align: top;">
<TABLE width=3D"100%" style=3D"border-top-color: rgb(225,=
10, 10); border-bottom-color: rgb(225, 10, 10); border-top-width: 1px; bor=
der-bottom-width: 1px; border-top-style: solid; border-bottom-style: solid;=
"
border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"><STRONG>Current Wording</=
STRONG>
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;">
<P style=3D"margin: 0px;"><STRONG>New Wording</STRO=
NG>
</P></TD></TR></TBODY></TABLE>
<TABLE width=3D"100%" bgcolor=3D"#ffffff" border=3D"0" ce=
llspacing=3D"0"
cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
8.5 Unless the law prevents us fr=
om
doing so, we will contact you by phone, letter or t=
ext
if we need to tell you about suspected or actual fr=
aud
or a security threat to your account. =
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left;">
<P style=3D"margin: 0px;"> =
=
8.5
Unless the law prevents us from doing so, we will
contact you by phone, letter, email or text if we n=
eed
to tell you about suspected or actual fraud or a
security threat to your account. =
</P></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></=
TR></TBODY></TABLE>
<TABLE width=3D"100%" style=3D"max-width: 660px;" bgcolor=3D"#ffffff"=
border=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD class=3D"ph32" style=3D"padding-right: 15px; padding-left: 15=
px;">
<TABLE width=3D"100%" border=3D"0" cellspacing=3D"0" cellpaddin=
g=3D"0">
<TBODY>
<TR>
<TD style=3D"text-align: left; color: rgb(43, 48, 54); line=
-height: 16px; font-family: Arial, sans-serif; font-size: 12px; font-weight=
: 500; vertical-align: top;">
<TABLE width=3D"100%" style=3D"border-top-color: rgb(225,=
10, 10); border-bottom-color: rgb(225, 10, 10); border-top-width: 1px; bor=
der-bottom-width: 1px; border-top-style: solid; border-bottom-style: solid;=
"
border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
9.6 You can find full details of =
how
to pay, and how long to allow for payments to reach=
your
account, on your statement. It can take up to seven=
business days for the money to reach us, depending =
on
the payment method you have chosen. =
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;">
<P style=3D"margin: 0px;"> =
=
9.6
You can find full details of how to pay, and how lo=
ng to
allow for payments to reach your account, on your
statement. If we reasonably believe as a responsibl=
e
lender we need to, we can set rules about how you m=
ake
payments to us so we can check where they are comin=
g
from. It can take up to seven business days for the=
money to reach us, depending on the payment method =
you
have chosen. =
</P></TD></TR></TBODY></TABLE>
<TABLE width=3D"100%" bgcolor=3D"#ffffff" border=3D"0" ce=
llspacing=3D"0"
cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
13.2 You, and any additional
cardholder, must never:<BR>- share, write down or s=
tore
your PIN in a way that is obvious to others or keep=
it
with your card.<BR>- share, write down or store you=
r
passwords, or any security information in a way tha=
t is
obvious to others (except permitted third party
providers to the extent needed to allow them to ope=
rate
the services they provide to you), or keep them wit=
h
your card.<BR>- allow anyone to use your card or ca=
rd
details other than permitted third party providers.=
<BR>-
give anyone your card details, except for when you =
make
a transaction or contact us or share them with a
permitted third party provider. =
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left;">
<P style=3D"margin: 0px;"> =
=
14.2.=09You, and any additional cardholder, must ne=
ver:
<BR>- share, write down or store (including by taki=
ng
photographs and screenshots) your PIN, passwords,
one-time passcodes or any security information in a=
way
that is obvious to others or keep them with your c=
ard.
<BR>- allow anyone to use your card or card details=
.
<BR>- give anyone your card details, except for whe=
n you
make a transaction or contact us. <BR>- install th=
e app
on a device that does not belong to you or allow an=
yone
else to access it. =
</P></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR><=
/TBODY></TABLE>
<TABLE width=3D"100%" style=3D"max-width: 660px;" bgcolor=3D"#ffffff"=
border=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD class=3D"ph32" style=3D"padding-right: 15px; padding-left: 15=
px;">
<TABLE width=3D"100%" border=3D"0" cellspacing=3D"0" cellpaddin=
g=3D"0">
<TBODY>
<TR>
<TD style=3D"text-align: left; color: rgb(43, 48, 54); line=
-height: 16px; font-family: Arial, sans-serif; font-size: 12px; font-weight=
: 500; vertical-align: top;">
<TABLE width=3D"100%" style=3D"border-top-color: rgb(225,=
10, 10); border-bottom-color: rgb(225, 10, 10); border-top-width: 1px; bor=
der-bottom-width: 1px; border-top-style: solid; border-bottom-style: solid;=
"
border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
13.3 You must tell us straightawa=
y by
calling us on 0800 011 3210 (or +44 191 284 9005 f=
rom
abroad) if a card is lost or stolen or you think i=
t may
be misused or if someone knows your PIN. You also =
need
to tell us if someone who is not a permitted third=
party provider knows your card details, passwords =
or
security information. You must give us all the
information you have about the loss, theft or misus=
e. We
may also give information to the police. =
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;">
<P style=3D"margin: 0px;"> =
=
14.3 You must tell us straightaway by calling us on=
0800
011 3210 (or +44 191 284 9005 from abroad) if a ca=
rd is
lost or stolen or you think it may be misused or i=
f
someone knows your PIN. You must give us all the
information you have about the loss, theft or misu=
se.
We may also give information to the police. You al=
so
need to tell us if someone knows your card details=
,
passwords or security information, or if someone e=
lse
has access to your app. =
</P></TD></TR></TBODY></TABLE>
<TABLE width=3D"100%" bgcolor=3D"#ffffff" border=3D"0" ce=
llspacing=3D"0"
cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
13.5 If your card, card details,
passwords or security information are misused by so=
meone
who is not a permitted third party provider and who=
has
them with your, or an additional cardholder's
permission, you will have to pay for all transactio=
ns.
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left;">
<P style=3D"margin: 0px;"> =
=
14.5 If your card, card details, passwords or secur=
ity
information are misused by someone who has them wit=
h
your, or an additional cardholder's permission, you=
will
have to pay for all transactions. =
</P></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></=
TR></TBODY></TABLE>
<TABLE width=3D"100%" style=3D"max-width: 660px;" bgcolor=3D"#ffffff"=
border=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD class=3D"ph32" style=3D"padding-right: 15px; padding-left: 15=
px;">
<TABLE width=3D"100%" border=3D"0" cellspacing=3D"0" cellpaddin=
g=3D"0">
<TBODY>
<TR>
<TD style=3D"text-align: left; color: rgb(43, 48, 54); line=
-height: 16px; font-family: Arial, sans-serif; font-size: 12px; font-weight=
: 500; vertical-align: top;">
<TABLE width=3D"100%" style=3D"border-top-color: rgb(225,=
10, 10); border-bottom-color: rgb(225, 10, 10); border-top-width: 1px; bor=
der-bottom-width: 1px; border-top-style: solid; border-bottom-style: solid;=
"
border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
15.1 In some circumstances, we ma=
y
prevent or limit the use of your card or card detai=
ls,
decline a transaction or transfer whether authorise=
d by
you, or a permitted third party provider, or refuse=
to
issue a replacement card, including where:<BR>- a c=
ard
is lost or stolen, or we suspect unauthorised or il=
legal
use.<BR>- we reasonably consider there is a risk yo=
u
will not be able to repay us (even when you are pay=
ing
the Minimum Payment).<BR>- the transaction differs =
from
your normal spending pattern or exceeds your credit=
limit. </=
P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;">
<P style=3D"margin: 0px;"> =
=
16.1 In some circumstances, we may prevent or limit=
the
use of your card or card details, decline a transac=
tion
or transfer whether authorised by you, or a permitt=
ed
third party provider, or refuse to issue a replacem=
ent
card, including where:<BR>- a card is lost or stole=
n, or
we suspect unauthorised or illegal use.<BR>- we
reasonably consider there is a risk you will not be=
able
to repay us (even when you are paying the Minimum
Payment).<BR>- the transaction differs from your no=
rmal
spending pattern, exceeds your credit limit or we h=
ave
other security concerns (like we have a good reason=
to
think there is something suspicious about the suppl=
ier).
</P></TD></TR></TBODY></TABLE>
<TABLE width=3D"100%" bgcolor=3D"#ffffff" border=3D"0" ce=
llspacing=3D"0"
cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
15.4 If we suspect fraud, we will=
make
further checks. If we are satisfied there is no fra=
ud,
we will then process the transaction. If we refuse =
to
carry out a transaction, we may ask the supplier to=
tell
you this or we may contact you directly by letter,
email, phone or text. If we do not, you can ask us =
for
details and, if possible, we will explain why and
whether you can do anything to solve the problem. =
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left;">
<P style=3D"margin: 0px;"> =
=
16.4 If we suspect fraud, we will make further chec=
ks.
If we are satisfied there is no fraud, we will then=
process the transaction or let it go ahead if you t=
ry
again. If we refuse to carry out a transaction, we =
may
ask the supplier to tell you this or we may contact=
you
directly by letter, email, phone or text. If we do =
not,
you can ask us for details and, if possible, we wil=
l
explain why and whether you can do anything to solv=
e the
problem.
</P></TD></TR></TBODY></TABLE></TD></TR></TBODY></TAB=
LE></TD></TR></TBODY></TABLE>
<TABLE width=3D"100%" style=3D"max-width: 660px;" bgcolor=3D"#ffffff"=
border=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD class=3D"ph32" style=3D"padding-right: 15px; padding-bottom: =
20px; padding-left: 15px;">
<TABLE width=3D"100%" border=3D"0" cellspacing=3D"0" cellpaddin=
g=3D"0">
<TBODY>
<TR>
<TD style=3D"text-align: left; color: rgb(43, 48, 54); line=
-height: 16px; font-family: Arial, sans-serif; font-size: 12px; font-weight=
: 500; vertical-align: top;">
<TABLE width=3D"100%" style=3D"border-top-color: rgb(225,=
10, 10); border-bottom-color: rgb(225, 10, 10); border-top-width: 1px; bor=
der-bottom-width: 1px; border-top-style: solid; border-bottom-style: solid;=
"
border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
15.5 We may prevent a permitted t=
hird
party provider from accessing your account if we t=
hink
their request may be unauthorised or fraudulent. U=
nless
the law prevents us from doing so or we believe it=
would compromise our security measures, if we can
identify them, we will let you know what has happe=
ned
as soon as possible by phone, letter or text. =
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;">
<P style=3D"margin: 0px;"> =
=
16.5 We may prevent a permitted third party provide=
r
from accessing your account if we think their requ=
est
may be unauthorised or fraudulent. Unless the law
prevents us from doing so or we believe it would
compromise our security measures, we will let you =
know
what has happened as soon as possible by phone, le=
tter,
email or text. =
</P></TD></TR></TBODY></TABLE></TD></TR></TBODY></T=
ABLE></TD></TR></TBODY></TABLE><!-- C2 -->
<TABLE width=3D"100%" role=3D"presentation" bgcolor=3D"#ffffff" borde=
r=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD align=3D"left" class=3D"ph32" style=3D"padding: 0px 24px 32px=
; text-align: left;">
<H2 style=3D"margin: 0px 0px 0.5em; text-align: left; color: rg=
b(225, 10, 10); line-height: 1.2em; font-family: Arial,Helvetica,sans-serif=
; font-size: 1em; font-weight: 500;">
Ot=
her
changes =
</H2>
<P style=3D"margin: 0px; color: rgb(0, 0, 1); line-height: 1.5e=
m; font-family: Arial,Helvetica,sans-serif; font-size: 0.87em;">
We=
've
made some other small changes, which are shown below, including=
how
we make future changes to your terms fairer: =
</P></TD></TR></TBODY></TABLE><!-- //C2 --> =
<TABLE width=3D"100%" style=3D"max-width: 660px;" bgcolor=3D"#ffffff"=
border=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD class=3D"ph32" style=3D"padding-right: 15px; padding-left: 15=
px;">
<TABLE width=3D"100%" border=3D"0" cellspacing=3D"0" cellpaddin=
g=3D"0">
<TBODY>
<TR>
<TD style=3D"text-align: left; color: rgb(43, 48, 54); line=
-height: 16px; font-family: Arial, sans-serif; font-size: 12px; font-weight=
: 500; vertical-align: top;">
<TABLE width=3D"100%" style=3D"border-top-color: rgb(225,=
10, 10); border-bottom-color: rgb(225, 10, 10); border-top-width: 1px; bor=
der-bottom-width: 1px; border-top-style: solid; border-bottom-style: solid;=
"
border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"><STRONG>Current Wording</=
STRONG>
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;">
<P style=3D"margin: 0px;"><STRONG>New Wording</STRO=
NG>
</P></TD></TR></TBODY></TABLE>
<TABLE width=3D"100%" bgcolor=3D"#ffffff" border=3D"0" ce=
llspacing=3D"0"
cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
6.12 You, and any additional
cardholder, must not use your card or card details:=
<BR>-
for an illegal purpose.<BR>- after the expiry date =
shown
on the card.<BR>- after we have told you not to mak=
e new
transactions. =
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left;">
<P style=3D"margin: 0px;"> =
=
6.12 You, and any additional cardholder, must not u=
se
your card or card details:<BR>- for an illegal
purpose.<BR>- for a gambling transaction (unless yo=
u are
buying a National Lottery ticket or other society
lottery tickets and/or you are making the transacti=
on in
person at a retail store) or to trade in
cryptocurrencies.<BR>- after the expiry date shown =
on
the card.<BR>- after we have told you not to make n=
ew
transactions. =
</P></TD></TR></TBODY></TABLE></TD></TR></TBODY></T=
ABLE></TD></TR></TBODY></TABLE>
<TABLE width=3D"100%" style=3D"max-width: 660px;" bgcolor=3D"#ffffff"=
border=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD class=3D"ph32" style=3D"padding-right: 15px; padding-left: 15=
px;">
<TABLE width=3D"100%" border=3D"0" cellspacing=3D"0" cellpaddin=
g=3D"0">
<TBODY>
<TR>
<TD style=3D"text-align: left; color: rgb(43, 48, 54); line=
-height: 16px; font-family: Arial, sans-serif; font-size: 12px; font-weight=
: 500; vertical-align: top;">
<TABLE width=3D"100%" style=3D"border-top-color: rgb(225,=
10, 10); border-bottom-color: rgb(225, 10, 10); border-top-width: 1px; bor=
der-bottom-width: 1px; border-top-style: solid; border-bottom-style: solid;=
"
border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
7.6 We may give you promotions. I=
f we
offer a promotion, we will tell you the promotional=
rate
and any fees, how long the offer period lasts for a=
nd
any other information relevant at the time. =
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;">
<P style=3D"margin: 0px;"> =
=
7.6
We may offer you promotional rates. We will take in=
to
account your circumstances before we do this. If we=
give
you a promotional rate, we will tell you what it is=
and
any fees, how long it lasts for and any other
information relevant at the time. =
</P></TD></TR></TBODY></TABLE>
<TABLE width=3D"100%" bgcolor=3D"#ffffff" border=3D"0" ce=
llspacing=3D"0"
cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
7.7 If you take the promotion, th=
is
will be shown on your statement. =
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left;">
<P style=3D"margin: 0px;"> =
=
7.7
If you take the promotional rate, this will be show=
n on
your statement. =
</P></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR><=
/TBODY></TABLE>
<TABLE width=3D"100%" style=3D"max-width: 660px;" bgcolor=3D"#ffffff"=
border=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD class=3D"ph32" style=3D"padding-right: 15px; padding-left: 15=
px;">
<TABLE width=3D"100%" border=3D"0" cellspacing=3D"0" cellpaddin=
g=3D"0">
<TBODY>
<TR>
<TD style=3D"text-align: left; color: rgb(43, 48, 54); line=
-height: 16px; font-family: Arial, sans-serif; font-size: 12px; font-weight=
: 500; vertical-align: top;">
<TABLE width=3D"100%" style=3D"border-top-color: rgb(225,=
10, 10); border-bottom-color: rgb(225, 10, 10); border-top-width: 1px; bor=
der-bottom-width: 1px; border-top-style: solid; border-bottom-style: solid;=
"
border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
New clause =
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;">
<P style=3D"margin: 0px;"> =
=
15.8 If someone sends a payment to your account by
mistake, we will check with you whether you agree t=
hat
we can return it. If you do not and we are asked fo=
r
your information, we will give your name, address a=
nd
other details to the other person (if they bank wit=
h us)
or their bank (if they do not bank with us) so that=
they
can claim their money back from you directly. =
</P></TD></TR></TBOD=
Y></TABLE>
<TABLE width=3D"100%" bgcolor=3D"#ffffff" border=3D"0" ce=
llspacing=3D"0"
cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
16.1 We may change or introduce n=
ew
interest rates, fees and charges because of
changes:<BR>- in the cost of providing your
account.<BR>- to law, regulation, banking practice =
or
other external factors.<BR>- we need to make to ope=
rate
our business profitably and soundly.<BR>- in the
assessment of your credit risk. =
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left;">
<P style=3D"margin: 0px;"> =
=
17.1 We may change or introduce new interest rates,=
fees
and charges because of changes:<BR>- that are favou=
rable
to you.<BR>- in the cost of providing your account =
have
gone up, including due to changes to the Bank of En=
gland
base rate (or any rate that replaces it).<BR>- to l=
aw,
regulation, banking practice or code of practice th=
at
applies to us, or following a decision by a court,
regulator or ombudsman.<BR>- if we have a good reas=
on to
think that a change in your circumstances means tha=
t
there is a greater risk that you will not be able t=
o
repay us (for example, if you fail to make your Min=
imum
Payment by the payment due date or on the basis of
information we get from Credit Reference Agencies).=
</P></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE><=
/TD></TR></TBODY></TABLE>
<TABLE width=3D"100%" style=3D"max-width: 660px;" bgcolor=3D"#ffffff"=
border=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD class=3D"ph32" style=3D"padding-right: 15px; padding-left: 15=
px;">
<TABLE width=3D"100%" border=3D"0" cellspacing=3D"0" cellpaddin=
g=3D"0">
<TBODY>
<TR>
<TD style=3D"text-align: left; color: rgb(43, 48, 54); line=
-height: 16px; font-family: Arial, sans-serif; font-size: 12px; font-weight=
: 500; vertical-align: top;">
<TABLE width=3D"100%" style=3D"border-top-color: rgb(225,=
10, 10); border-bottom-color: rgb(225, 10, 10); border-top-width: 1px; bor=
der-bottom-width: 1px; border-top-style: solid; border-bottom-style: solid;=
"
border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
16.2 As well as for the reasons g=
iven
above, we may also change this agreement to: <BR>-=
reflect new technologies and other innovations, or
changes to systems or card schemes. <BR>- change o=
ur
services or how we operate. <BR>- make this agreem=
ent
clearer to you and to correct errors. =
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;">
<P style=3D"margin: 0px;"> =
=
17.2 As well as for the reasons given above, we may=
also
change this agreement to: <BR>- reflect changes t=
o how
we manage your account because of a change to the
systems or technology we use or to a card scheme. =
<BR>- stop, change or replace a service or introduc=
e a
new feature. <BR>- make the agreement clearer to =
you
and to correct small errors. =
</P></TD></TR></TBODY></TABLE>
<TABLE width=3D"100%" bgcolor=3D"#ffffff" border=3D"0" ce=
llspacing=3D"0"
cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
16.4 If we make a change that wil=
l
benefit you, we may make it immediately and tell y=
ou
about it within 30 days. You are still free to clo=
se
the account at any time. =
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" style=3D"=
padding: 10px; text-align: left;">
<P style=3D"margin: 0px;"> =
=
17.4 If we make a change that will benefit you, we =
may
make it immediately and tell you about it within 3=
0
days.
</P></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE=
></TD></TR></TBODY></TABLE>
<TABLE width=3D"100%" style=3D"max-width: 660px;" bgcolor=3D"#ffffff"=
border=3D"0"
cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD class=3D"ph32" style=3D"padding-right: 15px; padding-bottom: =
20px; padding-left: 15px;">
<TABLE width=3D"100%" border=3D"0" cellspacing=3D"0" cellpaddin=
g=3D"0">
<TBODY>
<TR>
<TD style=3D"text-align: left; color: rgb(43, 48, 54); line=
-height: 16px; font-family: Arial, sans-serif; font-size: 12px; font-weight=
: 500; vertical-align: top;">
<TABLE width=3D"100%" style=3D"border-top-color: rgb(225,=
10, 10); border-bottom-color: rgb(225, 10, 10); border-top-width: 1px; bor=
der-bottom-width: 1px; border-top-style: solid; border-bottom-style: solid;=
"
border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
<TBODY>
<TR>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;"
bgcolor=3D"#ececec">
<P style=3D"margin: 0px;"> =
=
=
=
New clause =
</P></TD>
<TD width=3D"49%" class=3D"dataCellStyling" valign=3D=
"top"
style=3D"padding: 10px; font-weight: 500;">
<P style=3D"margin: 0px;"> =
=
17.5 Whenever we make a change, we will make sure i=
t is
fair. If we tell you about a change and you are no=
t
happy, you are free to close your account. If we d=
o not
hear from you, we will assume you are happy for us=
to
make the change. =
</P></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR><=
/TBODY></TABLE><!-- SOCIAL -->
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<TD style=3D"padding: 16px 8px 0px;"><a href=3D"http://t.em=
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; text-align: left;">
<P style=3D"margin: 0px 0px 1em; color: rgb(255, 255, 255); lin=
e-height: 1.5em; font-family: Arial,Helvetica,sans-serif; font-size: 0.75em=
;"><a style=3D"color: rgb(255, 255, 255); text-decoration: underline;" href=
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aying safe online</A>
</P>
<P style=3D"margin: 0px 0px 1em; color: rgb(255, 255, 255); lin=
e-height: 1.5em; font-family: Arial,Helvetica,sans-serif; font-size: 0.75em=
;">
Please=
note
we will never contact you via email asking you for any personal=
,
security or account information such as your PIN, full banking
password or Internet Banking login details.<BR><BR>If for any r=
eason
you think this email is not from the team at Virgin Money pleas=
e
forward it to us at <A style=3D"color: rgb(225, 10, 10); text-d=
ecoration: underline;"
href=3D"mailto:report.phishing@virginmoney.com" target=3D"_blan=
k"><SPAN
style=3D"color: rgb(255, 255, 255);">report.phishing@virginmone=
y.com</SPAN></A>
(please note no acknowledgement will be sent).<BR><BR>Clydesdal=
e
Bank PLC (which also trades as Virgin Money, Yorkshire Bank and=
B)
is authorised by the Prudential Regulation Authority and regula=
ted
by the Financial Conduct Authority and the Prudential Regulatio=
n
Authority. Financial Services Register No. 121873. Credit facil=
ities
other than regulated mortgages and regulated credit agreements =
are
not regulated by the Financial Conduct Authority. Clydesdale Ba=
nk
PLC is registered in Scotland (No. SC001111). Registered Office=
: 30
St Vincent Place, Glasgow G1 2HL.<BR><BR>To ensure that you rec=
eive
all emails about your card, add <A style=3D"color: rgb(225, 10,=
10); text-decoration: underline;"
href=3D"mailto: email@creditcard.virginmoney.com"
target=3D"_blank"><SPAN
style=3D"color: rgb(255, 255, 255);">email@creditcard.virginmon=
ey.com</SPAN></A>
to your email address book or Safe List.<BR><BR>We have sent th=
is
email to you in order to service your credit card account and i=
t is
confidential and for use by the addressee only. However, since =
email
is not a secure form of communication, please do not reply to u=
s by
email. </P>
<P style=3D"margin: 0px; color: rgb(255, 255, 255); line-height=
: 1.5em; font-family: Arial,Helvetica,sans-serif; font-size: 0.75em;">
VM33780v1
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