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<div class="preheader" style="font-size: 1px; display: none !important;">Your best card offers to save on interest for longer</div>
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͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
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<h2 style="font-weight: 700; font-size: 28px; line-height: 36px; letter-spacing:-0.1px; color:#FFFFFF; margin: 0px 20px 0px;"><br>You could pause interest until summer 2029</h2>
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<h5 style="font-weight: 700; font-size: 20px; line-height: 24px; letter-spacing:-0.1px; color:#263B68; margin: 0px;">With your score, you're likely to be eligible for a longer 0% period compared to other Experian customers</h5>
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<p style="font-weight: 400; font-size: 16px; line-height: 22px; color:#263B68; margin: 0px;">If now’s the right time for you to look for a credit card to transfer a balance or spread the cost of a purchase over time, then we can lend a helping hand.<br><br>To get your search started, take a look below at these popular options. Searching for credit offers with us won't affect your credit score.</p>
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<h5 style="font-weight: 700; font-size: 20px; line-height: 24px; letter-spacing:-0.1px; color:#fffffe; margin: 0px;">Popular cards for a credit score like yours</h5>
</td>
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</table>
</td>
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<table align="center" role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#fffffe">
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<td valign="top" align="center">
<table align="center" role="presentation" width="600" cellpadding="0" cellspacing="0" border="0" style="width: 600px;" bgcolor="#F2F4F7" class="wrapto100pc">
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<td valign="top" align="center" style="padding: 24px 24px;" bgcolor="#F2F4F7">
<table width="472" cellpadding="0" cellspacing="0" border="0" role="presentation" align="center" style="border: solid 1px #fffffe; box-shadow: 0px 4px 8px rgba(0, 0, 0, 0.1); border-radius: 8px; border-collapse: separate;width:472px;" class="wrapto100pc" bgcolor="#fffffe">
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<td valign="middle" align="center" width="100%" style="width: 100%;padding:16px;" class="lr12">
<table width="100%" cellpadding="0" cellspacing="0" border="0" role="presentation">
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<td valign="top" align="left" width="138" style="padding-right:16px;width:138px;" class="wrapto45pc">
<a href="https://click.eml.experian.co.uk/u/?qs=ABB7InYiOjEsImQiOjQ5NTd9ADIAAAAAAVefvk5m0vip8_vBv0CgvQ_omBn_pfz-W0JXIuLrOtll6GGCvBv_vH5qBW3TZK4a43tnLhqzkNA6o2aEvm4yH5_JMa3Z_DUwJuo8DHa90OdlJVK5" target="_blank">
<img width="138" style="width: 138px; height: auto; display: block;" border="0" class="wrapto100pc" src="https://image.eml.experian.co.uk/lib/fe3211717564047e761c79/m/1/252017031.492x312v110.png" alt="NatWest Longer Balance Transfer Card">
</a>
</td>
<td valign="middle" align="left" class="stack-column">
<h5 style="font-weight: 700; font-size: 20px; line-height: 24px; letter-spacing:-0.1px; color:#263B68; margin: 0px;">
NatWest Longer Balance Transfer Card
</h5>
<p style="font-weight: 400; font-size: 18px; line-height: 22px; color:#263B68; margin: 8px 0px 0px 0px;">
</p>
</td>
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</td>
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<td align="center" style="padding: 0px 16px 24px;" class="lr12">
<table width="100%" cellpadding="0" cellspacing="0" border="0" role="none" align="center">
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<th valign="top" align="center" class="stack-column">
<table border="0" cellspacing="0" cellpadding="0" role="none" align="center" width="100%" style="border-collapse: separate !important;">
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<td bgcolor="#f2f4f7" valign="top" align="center" style=" border: 1px solid #f2f4f7; mso-padding-alt: 21px 24px; border-radius: 8px; padding: 21px 24px;" class="lr12">
<table width="376" cellpadding="0" cellspacing="0" border="0" role="presentation" align="center" style="width:376px;" class="wrapto100pc">
<tr>
<td valign="top" align="left" width="31" style="width:31px;">
<img src="https://image.eml.experian.co.uk/lib/fe3211717564047e761c79/m/2/bullet.png" width="16" style="width:16px; height: auto; display: block;" alt="">
</td>
<td valign="top" align="left" style="padding-bottom: 16px;"><p style="font-weight: 400; font-size: 16px; line-height: 22px; color:#263B68; margin: 0px;">0% interest on balance transfers for <strong style="font-weight: 600;">36 months</strong>, 3.1% transfer fee</p></td>
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<td valign="top" align="left" width="31" style="width:31px;">
<img src="https://image.eml.experian.co.uk/lib/fe3211717564047e761c79/m/2/bullet.png" width="16" style="width:16px; height: auto; display: block;" alt="">
</td>
<td valign="top" align="left" style="padding-bottom: 16px;"><p style="font-weight: 400; font-size: 16px; line-height: 22px; color:#263B68; margin: 0px;">0% interest on purchases for <strong style="font-weight: 600;">3 months</strong></p></td>
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<td valign="top" align="left" width="31" style="width:31px;">
<img src="https://image.eml.experian.co.uk/lib/fe3211717564047e761c79/m/2/bullet.png" width="16" style="width:16px; height: auto; display: block;" alt="">
</td>
<td valign="top" align="left"><p style="font-weight: 400; font-size: 16px; line-height: 22px; color:#263B68; margin: 0px;">24.9% Representative APR (variable)</p></td>
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</td>
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</th>
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</td>
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<td valign="middle" align="center" width="100%" style="width: 100%;padding:0px 16px 16px;" class="lr12">
<table width="100%" cellpadding="0" cellspacing="0" border="0" role="presentation">
<tr>
<td align="center" class="stack-column textleft">
<table width="100%" border="0" cellspacing="0" cellpadding="0">
<tr>
<td align="center">
<table cellpadding="0" cellspacing="0" border="0" class="wrapto100pc">
<tr>
<td valign="top" align="center" class="show" bgcolor="#E80070" style="mso-padding-alt: 12px 28px; border-radius: 32px; color: #fffffe;"><a href="https://click.eml.experian.co.uk/?qs=ABB7InYiOjEsImQiOjQ5NTd9ADIAAAAAAVefvk5nTMEPqMOp19-foOwt2qUmd9SkOH61AFb26_XMkHe95_NZEvkQp_lGqX7YRs51WHBhlTFFmnn_qlMtneCmIUcG4MX9Dr8o3s44k-suuIkk" target="_blank" style="font-size: 18px; line-height: 24px; font-weight: 500; text-decoration: none; padding: 12px 28px; display: inline-block; color: #fffffe;">See my eligibility</a>
</td>
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</table>
</td>
</tr>
</table>
</td>
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<tr>
<td valign="middle" align="left" class="stack-column">
<p style="font-weight: 400; font-size: 14px; line-height: 22px; color:#4D6689; margin: 24px 0px 24px 0px;">
<strong style="font-weight: 600;">Representative example:</strong> Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 24.9% (variable), representative 24.9% APR (variable). Credit available subject to status.
</p>
</td>
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</td>
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</td>
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</td>
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<table align="center" role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#fffffe">
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<td valign="top" align="center" style="padding: 24px 0px 0px;">
<table align="center" role="presentation" width="600" cellpadding="0" cellspacing="0" border="0" style="width: 600px;" bgcolor="#F2F4F7" class="wrapto100pc">
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<td valign="top" align="center" style="padding: 24px 24px;" bgcolor="#F2F4F7">
<table width="472" cellpadding="0" cellspacing="0" border="0" role="presentation" align="center" style="border: solid 1px #fffffe; box-shadow: 0px 4px 8px rgba(0, 0, 0, 0.1); border-radius: 8px; border-collapse: separate;width:472px;" class="wrapto100pc" bgcolor="#fffffe">
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<td valign="middle" align="center" width="100%" style="width: 100%;padding:16px;" class="lr12">
<table width="100%" cellpadding="0" cellspacing="0" border="0" role="presentation">
<tr>
<td valign="top" align="left" width="138" style="padding-right:16px;width:138px;" class="wrapto45pc">
<a href="https://click.eml.experian.co.uk/u/?qs=ABB7InYiOjEsImQiOjQ5NTd9ADIAAAAAAVefvk5osV0OSjG0aWlAmGcDwYtKEGw4tEjetKUbyk0_RbIZmq61aui_Xe-YP4cL__O947kZDrjPcDNeEoK-PHMYeI8uDfPiyqn4_5mICeHQBhqt" target="_blank">
<img width="138" style="width: 138px; height: auto; display: block;" border="0" class="wrapto100pc" src="https://image.eml.experian.co.uk/lib/fe3211717564047e761c79/m/1/preview20260709T092727.996.png" alt="Santander Everyday Long Term Balance Transfer Credit Card">
</a>
</td>
<td valign="middle" align="left" class="stack-column">
<h5 style="font-weight: 700; font-size: 20px; line-height: 24px; letter-spacing:-0.1px; color:#263B68; margin: 0px;">
Santander Everyday Long Term Balance Transfer Credit Card
</h5>
<p style="font-weight: 400; font-size: 18px; line-height: 22px; color:#263B68; margin: 8px 0px 0px 0px;">
</p>
</td>
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</td>
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<td align="center" style="padding: 0px 16px 24px;" class="lr12">
<table width="100%" cellpadding="0" cellspacing="0" border="0" role="none" align="center">
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<th valign="top" align="center" class="stack-column">
<table border="0" cellspacing="0" cellpadding="0" role="none" align="center" width="100%" style="border-collapse: separate !important;">
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<td bgcolor="#f2f4f7" valign="top" align="center" style=" border: 1px solid #f2f4f7; mso-padding-alt: 21px 24px; border-radius: 8px; padding: 21px 24px;" class="lr12">
<table width="376" cellpadding="0" cellspacing="0" border="0" role="presentation" align="center" style="width:376px;" class="wrapto100pc">
<tr>
<td valign="top" align="left" width="31" style="width:31px;">
<img src="https://image.eml.experian.co.uk/lib/fe3211717564047e761c79/m/2/bullet.png" width="16" style="width:16px; height: auto; display: block;" alt="">
</td>
<td valign="top" align="left" style="padding-bottom: 16px;"><p style="font-weight: 400; font-size: 16px; line-height: 22px; color:#263B68; margin: 0px;">0% interest on balance transfers for <strong style="font-weight: 600;">34 months</strong>, 3.15% transfer fee</p></td>
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<td valign="top" align="left" width="31" style="width:31px;">
<img src="https://image.eml.experian.co.uk/lib/fe3211717564047e761c79/m/2/bullet.png" width="16" style="width:16px; height: auto; display: block;" alt="">
</td>
<td valign="top" align="left" style="padding-bottom: 16px;"><p style="font-weight: 400; font-size: 16px; line-height: 22px; color:#263B68; margin: 0px;">0% interest on purchases for <strong style="font-weight: 600;">3 months</strong></p></td>
</tr>
<tr>
<td valign="top" align="left" width="31" style="width:31px;">
<img src="https://image.eml.experian.co.uk/lib/fe3211717564047e761c79/m/2/bullet.png" width="16" style="width:16px; height: auto; display: block;" alt="">
</td>
<td valign="top" align="left"><p style="font-weight: 400; font-size: 16px; line-height: 22px; color:#263B68; margin: 0px;">24.9% Representative APR (variable)</p></td>
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</td>
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</th>
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</td>
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<td valign="middle" align="center" width="100%" style="width: 100%;padding:0px 16px 16px;" class="lr12">
<table width="100%" cellpadding="0" cellspacing="0" border="0" role="presentation">
<tr>
<td align="center" class="stack-column textleft">
<table width="100%" border="0" cellspacing="0" cellpadding="0">
<tr>
<td align="center">
<table cellpadding="0" cellspacing="0" border="0" class="wrapto100pc">
<tr>
<td valign="top" align="center" class="show" bgcolor="#E80070" style="mso-padding-alt: 12px 28px; border-radius: 32px; color: #fffffe;"><a href="https://click.eml.experian.co.uk/?qs=ABB7InYiOjEsImQiOjQ5NTd9ADIAAAAAAVefvk5pEEbofbQ6_jyVKA6N3LLXVn5MPtrSfN37785chtXdqVoPucPnQXu5-ja1jtWjbkuS46mrZmLbZA0CEr-E0J3-NTXw32fHgmYMbtp1bOr0" target="_blank" style="font-size: 18px; line-height: 24px; font-weight: 500; text-decoration: none; padding: 12px 28px; display: inline-block; color: #fffffe;">See my eligibility</a>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td valign="middle" align="left" class="stack-column">
<p style="font-weight: 400; font-size: 14px; line-height: 22px; color:#4D6689; margin: 24px 0px 24px 0px;">
<strong style="font-weight: 600;">Representative example:</strong> Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 24.9% (variable), representative 24.9% APR (variable). Credit available subject to status.
</p>
</td>
</tr>
</table>
</td>
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</table>
</td>
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</td>
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<!--END img + text content -->
<table align="center" role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#fffffe">
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<td valign="top" align="center">
<table align="center" role="presentation" width="600" cellpadding="0" cellspacing="0" border="0" style="width: 600px;" bgcolor="#F2F4F7" class="wrapto100pc">
<tr>
<td valign="top" align="center" style="padding: 24px 24px;" bgcolor="#F2F4F7">
<table width="472" cellpadding="0" cellspacing="0" border="0" role="presentation" align="center" style="border: solid 1px #fffffe; box-shadow: 0px 4px 8px rgba(0, 0, 0, 0.1); border-radius: 8px; border-collapse: separate;width:472px;" class="wrapto100pc" bgcolor="#fffffe">
<tr>
<td valign="middle" align="center" width="100%" style="width: 100%;padding:16px;" class="lr12">
<table width="100%" cellpadding="0" cellspacing="0" border="0" role="presentation">
<tr>
<td valign="top" align="left" width="138" style="padding-right:16px;width:138px;" class="wrapto45pc">
<a href="https://click.eml.experian.co.uk/u/?qs=ABB7InYiOjEsImQiOjQ5NTd9ADIAAAAAAVefvk5qQPVMzKrIRQdhuerzRENNDbx4Lz23I9YNZmx4ufapPJGpFwKMSJwHcbhvIQ7tBPFeyYtdvZoMflyX1EbdFkv9X4EziCQM9Rxd36i8CTFs" target="_blank">
<img width="138" style="width: 138px; height: auto; display: block;" border="0" class="wrapto100pc" src="https://image.eml.experian.co.uk/lib/fe3211717564047e761c79/m/1/252014970.492x312v1.png" alt="Virgin Money All Round Card">
</a>
</td>
<td valign="middle" align="left" class="stack-column">
<h5 style="font-weight: 700; font-size: 20px; line-height: 24px; letter-spacing:-0.1px; color:#263B68; margin: 0px;">
Virgin Money All Round Card
</h5>
<p style="font-weight: 400; font-size: 18px; line-height: 22px; color:#263B68; margin: 8px 0px 0px 0px;">
</p>
</td>
</tr>
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</td>
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<td align="center" style="padding: 0px 16px 24px;" class="lr12">
<table width="100%" cellpadding="0" cellspacing="0" border="0" role="none" align="center">
<tr>
<th valign="top" align="center" class="stack-column">
<table border="0" cellspacing="0" cellpadding="0" role="none" align="center" width="100%" style="border-collapse: separate !important;">
<tr>
<td bgcolor="#f2f4f7" valign="top" align="center" style=" border: 1px solid #f2f4f7; mso-padding-alt: 21px 24px; border-radius: 8px; padding: 21px 24px;" class="lr12">
<table width="376" cellpadding="0" cellspacing="0" border="0" role="presentation" align="center" style="width:376px;" class="wrapto100pc">
<tr>
<td valign="top" align="left" width="31" style="width:31px;">
<img src="https://image.eml.experian.co.uk/lib/fe3211717564047e761c79/m/2/bullet.png" width="16" style="width:16px; height: auto; display: block;" alt="">
</td>
<td valign="top" align="left" style="padding-bottom: 16px;"><p style="font-weight: 400; font-size: 16px; line-height: 22px; color:#263B68; margin: 0px;">0% interest on balance transfers for <strong style="font-weight: 600;">20 months</strong>, 2.95% transfer fee</p></td>
</tr>
<tr>
<td valign="top" align="left" width="31" style="width:31px;">
<img src="https://image.eml.experian.co.uk/lib/fe3211717564047e761c79/m/2/bullet.png" width="16" style="width:16px; height: auto; display: block;" alt="">
</td>
<td valign="top" align="left" style="padding-bottom: 16px;"><p style="font-weight: 400; font-size: 16px; line-height: 22px; color:#263B68; margin: 0px;">0% interest on purchases for <strong style="font-weight: 600;">20 months</strong></p></td>
</tr>
<tr>
<td valign="top" align="left" width="31" style="width:31px;">
<img src="https://image.eml.experian.co.uk/lib/fe3211717564047e761c79/m/2/bullet.png" width="16" style="width:16px; height: auto; display: block;" alt="">
</td>
<td valign="top" align="left"><p style="font-weight: 400; font-size: 16px; line-height: 22px; color:#263B68; margin: 0px;">24.9% Representative APR (variable)</p></td>
</tr>
</table>
</td>
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</table>
</th>
</tr>
</table>
</td>
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<tr>
<td valign="middle" align="center" width="100%" style="width: 100%;padding:0px 16px 16px;" class="lr12">
<table width="100%" cellpadding="0" cellspacing="0" border="0" role="presentation">
<tr>
<td align="center" class="stack-column textleft">
<table width="100%" border="0" cellspacing="0" cellpadding="0">
<tr>
<td align="center">
<table cellpadding="0" cellspacing="0" border="0" class="wrapto100pc">
<tr>
<td valign="top" align="center" class="show" bgcolor="#E80070" style="mso-padding-alt: 12px 28px; border-radius: 32px; color: #fffffe;"><a href="https://click.eml.experian.co.uk/?qs=ABB7InYiOjEsImQiOjQ5NTd9ADIAAAAAAVefvk5rZ9qGJpJzZKxC7l9Sdwv0-BE7hAbIBOa08HdBKBQ0xKCIYKCdsYknWgPAz0xit15EJCJDSPxoMbgHRSUiZ9AdzluXbYRbSiO4TX9qeVRw" target="_blank" style="font-size: 18px; line-height: 24px; font-weight: 500; text-decoration: none; padding: 12px 28px; display: inline-block; color: #fffffe;">See my eligibility</a>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td valign="middle" align="left" class="stack-column">
<p style="font-weight: 400; font-size: 14px; line-height: 22px; color:#4D6689; margin: 24px 0px 24px 0px;">
<strong style="font-weight: 600;">Representative example:</strong> Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 24.9% (variable), representative 24.9% APR (variable). Credit available subject to status.
</p>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
<!--END img + text content -->
<table width="648" cellpadding="0" cellspacing="0" border="0" role="presentation" align="center" style="width:648px;" class="wrapto100pc">
<tr>
<td valign="top" align="center" style="padding-top: 24px" class="mobgutter">
<table width="600" cellpadding="0" cellspacing="0" border="0" role="presentation" align="center" style="width:600px;" class="wrapto100pc">
<tr>
<td valign="top" class="lr0" align="left" style="padding:0px px;">
<h5 style="font-weight: 700; font-size: 20px; line-height: 24px; letter-spacing:-0.1px; color:#263B68; margin: 0px;">Tips for managing a credit card</h5>
</td>
</tr>
</table>
</td>
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</table>
<table width="648" cellpadding="0" cellspacing="0" border="0" role="presentation" align="center" style="width:648px;" class="wrapto100pc">
<tr>
<td valign="top" align="center" style="padding-top: 24px;" class="mobgutter">
<table width="600" cellpadding="0" cellspacing="0" border="0" role="presentation" align="center" style="width:600px;" class="wrapto100pc">
<tr>
<td valign="top" align="left" width="31" style="width:31px;">
<img src="https://image.eml.experian.co.uk/lib/fe3211717564047e761c79/m/2/tick23.png" width="17" style="width:17px; height: auto; display: block;" alt="">
</td>
<td valign="top" align="left" style="padding-bottom: 16px;"><p style="font-weight: 400; font-size: 16px; line-height: 22px; color:#263B68; margin: 0px;">Think about setting up a direct debit to your credit card account – that way, you don’t have to remember to pay it.</p></td>
</tr>
<tr>
<td valign="top" align="left" width="31" style="width:31px;">
<img src="https://image.eml.experian.co.uk/lib/fe3211717564047e761c79/m/2/tick23.png" width="17" style="width:17px; height: auto; display: block;" alt="">
</td>
<td valign="top" align="left"><p style="font-weight: 400; font-size: 16px; line-height: 22px; color:#263B68; margin: 0px;">Schedule your direct debit on your pay day – this can make budgeting for the month easier.</p></td>
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</table>
</td>
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</table>
<table width="648" cellpadding="0" cellspacing="0" border="0" role="presentation" align="center" style="width:648px;" class="wrapto100pc">
<tr>
<td valign="top" align="center" style="padding-top: 24px" class="mobgutter">
<table width="600" cellpadding="0" cellspacing="0" border="0" role="presentation" align="center" style="width:600px;" class="wrapto100pc">
<tr>
<td valign="top" style="padding-bottom: 16px;" align="left">
<h5 style="font-weight: 700; font-size: 20px; line-height: 24px; letter-spacing:-0.1px; color:#263B68; margin: 0px;">Worried about money? You're not alone</h5>
</td>
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<tr>
<td valign="top" style="padding-bottom: 16px;" align="left">
<p style="font-weight: 400; font-size: 14px; line-height: 22px; color:#263B68; margin: 0px;">If you're worried about money, it's good to talk. Thousands of people reach out for help every day. Here's who you could call to get some free and independent advice.</p>
</td>
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<td valign="top" style="padding-bottom: 16px;">
<table width="100%" role="presentation" cellpadding="0" cellspacing="0" border="0">
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<td width="15" valign="top" style="font-weight: 400; font-size: 14px; line-height: 22px; color:#263B68; margin: 0px;">•</td>
<td style="font-weight: 400; font-size: 14px; line-height: 22px; color:#263B68; margin: 0px;">Stepchange Debt Charity - 0800 138 1111</td>
</tr>
<tr>
<td width="15" valign="top" style="font-weight: 400; font-size: 14px; line-height: 22px; color:#263B68; margin: 0px;">•</td>
<td style="font-weight: 400; font-size: 14px; line-height: 22px; color:#263B68; margin: 0px;">National Debtline - 0808 808 4000</td>
</tr>
<tr>
<td width="15" valign="top" style="font-weight: 400; font-size: 14px; line-height: 22px; color:#263B68; margin: 0px;">•</td>
<td style="font-weight: 400; font-size: 14px; line-height: 22px; color:#263B68; margin: 0px;">Payplan - 0800 280 2816</td>
</tr>
</table>
</td>
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</table>
</td>
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