Visa Classic Card Summary Table

SUMMARY BOX

The information contained in this table summarises fees and charges associated with your First Trust Bank Visa Classic Card and is not intended to replace any Terms and Conditions.
Typical APR (variable)	22.7%
Other Rates	Monthly	Annual Rate
Purchases	1.720%	22.7%
Cash Advances	1.720%	24.6%*
Interest free period	Maximum 56 days if you pay your balance in full and on time. There is no interest free period for cash advances.
Explanation of Interest	Interest is calculated on a daily basis from the posting date until the payment is received and then on the reduced balance up to and including the next monthly statement date, when interest will be charged.
Allocation of Payments	If you do not pay off your balance in full when you make a payment, the payment will be used to pay off any interest and administration charges before cash advances and purchases. Refer to condition 6 of the Terms & Conditions of Use for full details.
Minimum Monthly Payment	3% of the outstanding balance or �5 (or the full amount if less than �5), whichever is greater. If you only make the minimum repayment this will significantly increase the time taken to clear your balance and will cost you more.
Amount of credit	Minimum credit limit of �500, maximum credit limit subject to status.
Charges
Replacement card	Nil
Copy of statement	�10.00 per request
Copy Voucher	�5.00 per copy
Cash Advance Fee	1.5% of transaction amount (minimum �3.00).
Foreign Transaction	2.75% conversion fee of the value of the transaction.
Default Charges
Late payment	�12.00
Payment Returned	�12.00
Over Limit	�12.00
Written Advice	�13.00

*The annual rate quoted for Cash Advances includes a 1.5% Cash Advance handling fee. (All charges are subject to change and will be personally notified to customers at least 30 days prior to any variation).

First Trust Bank is a trademark of AIB Group (UK) p.l.c. incorporated in Northern Ireland. Registered Office, 4 Queen's Square, Belfast, BT1 3DJ. Registered Number, NI 18800.

First Trust Bank subscribes to the Lending Code and is covered by the Financial Ombudsman Service. Details of the Lending Code are available on request from any First Trust Bank branch or from the Lending Standards Board.

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