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How to get 0% for 3 monthsTypical 23.9% APR variable

  • Buy a kitchen on 1st November for £650

- as the purchase is over £500 it's interest free for 3 months, so no interest will be charged until 31st January.

  • Buy kitchen accessories on 15th November and paint on 10th December

- as each of these purchases is within 60 days of the initial purchase these items will be added to the plan and will be interest free until 31st January.

  • On 31st January the interest free period for this plan will end

- interest will be charged on the outstanding balance from the 31st January.

  • Continue to use your card and benefit from up to 56 days credit on standard purchases or get another 3 months interest free credit if you make another purchase over £500

- there is no limit to the number of interest free plans you can have open at any time.

  • Remember that to qualify your initial purchase must be £500 or more. If you spend £450 on one day and £100 the next you'll pay the standard rate of 23.9% APR variable.