Using your Harvey Nichols Card

• Where can I use my Harvey Nichols Card?
• What cash machines can I use?
• Will I be charged for withdrawing cash at an ATM?
• Am I charged if I use my card abroad?
• How often will I receive my statement?
• What is my credit limit?

Apply for and activating your Harvey Nichols Card

• Can I apply for a Harvey Nichols Card?
• How do I apply for a Harvey Nichols Card?
• How long will it take me to complete an application?
• Will checks be made against my personal details when I apply?
• What are credit checks?
• What records are held by CRA's and FPA's?
• How can I find out about my credit history?
• How long does it take to get a decision?
• Can I apply again if I am declined?
• How will you use my Personal Information?
• Can I start using my Harvey Nichols Card straight away?
• How do I activate my card?
• Can I apply for an additional cardholder on my account?
• Who are Santander Cards UK Limited?
• What should I do if I have not received my Harvey Nichols Card?
• How will Santander Cards UK Limited use your Personal Information?

Rewards Programme

• Can I earn points on all my purchases?
• How many points do I earn per £1 spent?
• How can I keep track of how many points I've earned?
• When do I get my vouchers?
• How many points must I earn to receive a Harvey Nichols Rewards Voucher?
• When do my Harvey Nichols Reward Vouchers expire?
• Where can I redeem my Harvey Nichols Rewards Vouchers?

Balance Transfers

• What balances can I transfer?
• Can I transfer balances from a number of financial providers?
• How can I arrange a Balance Transfer?
• How long will it take to process a Balance Transfer?
• How much can I transfer?
• Can I transfer balances for my additional cardholder?
• Is there a fee for Balance Transfers?

Managing your Harvey Nichols Card

• Can I manage my Harvey Nichols Card account online?
• How can I make a Payment to my account?
• How do additional payments affect my Direct Debit payments?
• How do you assess a request for a credit limit increase?
• Can I request a lower credit limit?
• What should I do if I don’t recognise a transaction on my account?
• How can I change my personal details?
• How do I cancel an additional cardholder on my account?
• Can I change the date I receive my statement?

Protecting you and your Harvey Nichols Card

• How can I protect my Harvey Nichols card from fraud and misuse?
• What should I do if I don’t recognise a transaction on my account?
• How do I report my card lost or stolen?

Rates and Charges

• What is estimated interest?
• Is there an annual fee?
• Am I charged if I use my card abroad?
• Is there a fee for cash transactions?
• Is there a fee for Balance Transfers?
• What is the Representative APR?
• What is the minimum credit limit?
• How much will I have to pay to my account each month?
• How are payments applied to my account?
• Will you change my interest rate?
• What should I do if I am experiencing financial difficulties?

Chip and PIN

• How do I know what my PIN is?
• Can I change my PIN?
• What if I forget my PIN, or get it wrong?
• Do I have to have a Chip and PIN card?
• How will I know that my card is a Chip and PIN card?
• Can I use my Chip and PIN card abroad?
• Will I need to use my PIN when buying online, on the phone or via mail order?

Using your Harvey Nichols Card

If you have a Harvey Nichols Store Card, you will be able to use your Card and earn points in any of our UK stores and restaurants (excluding Harvey Nichols Dublin). If you have a Harvey Nichols MasterCard you will also be able to use your Card and earn points wherever you see the MasterCard logo both in the UK, abroad and Worldwide. You will be temporarily unable to use your Harvey Nichols Store Card or MasterCard to shop at www.harveynichols.com.

If you have a Harvey Nichols MasterCard you can use this at any ATM where MasterCard® is accepted - more than one million ATMs in over 210 countries and territories. For more information visit www.mastercard.com.

You will be charged 3% for cash transactions with a minimum fee of £3.00. Interest is charged from the date of transaction.

Where any Transaction or payment to the Account is made in a currency other than Sterling it will be converted to Sterling at a rate of exchange determined by the payment scheme together with our foreign exchange conversion fee of 2.75% on the day before the Transaction or payment is processed. This may not be the same as the exchange rate on the Transaction date or the date that the payment is made as exchange rates vary on a daily basis. Details of the rate used and of any charges will be set out in your statement. You may access information about the exchange rates we use by calling us on 0208 181 0000. Calls may be recorded and monitored for training and security purposes.

You will receive your statement monthly when you spend regularly, or have a balance on your account. If you do not have a balance you will receive a statement at the minimum intervals as required by law.

Your credit limit will be communicated to you at the point of application and is subject to your individual circumstances. Please call Harvey Nichols Card Services on 0871 522 5701 (Calls cost 10p per minute plus network extras. Calls may be recorded or monitored for training and security purposes) for any queries.

Apply for and activating your Harvey Nichols Card

You can apply for a Harvey Nichols Card providing that you can say ‘yes’ to the following statements:

- I am 18 years or over, a permanent resident in the UK and have been for the last 12 months.
- I have a good credit history with no previous defaults or County Court Judgements.
- I have a current UK bank account and a registered UK telephone number.
- My partner or myself are in permanent paid employment (minimum 16 hours a week) self employed or retired, or in receipt of incapacity allowance.
- I do not already have a Harvey Nichols Card issues by Santander Cards UK Limited.

It takes just a few minutes to apply. There's no paperwork involved and instead you simply accept the Harvey Nichols Card agreement online. It means you don't have to wait for us or send us anything in the post, and your card will arrive in 7 - 10 days. To apply for a Harvey Nichols Card click on the Apply Now Button, and you can apply online, receive an instant decision and sign your credit agreement straight away. There’s no paper work involved! Alternatively you can go into one of our stores and apply for a card.

Your application will take you a few minutes to complete. To ensure your application does not take longer than necessary, have your address, employment details and Debit Card details at hand.

We are required to check your identity. We do this by making searches at Credit Reference Agencies ("CRAs"), Fraud Prevention Agencies ("FPAs") and by checking the information you give us. If you give false or inaccurate information and we suspect fraud we will record this with FPAs.

If you tell us you have a financial link with another person, or a link has already been recorded by CRAs, applications for credit by either of you (separately or together) will take the others financial information into account and will be affected by it. This linking will continue (covering any other names used by both of you) until you, or the person who is financially linked with you, successfully apply to CRAs to be disassociated.

We may also use credit scoring and automated decision making systems when considering your application and managing your account. This may involve further searches at CRAs. These searches will not affect your ability to obtain credit.

CRAs record credit application searches we make about you and people financially linked to you. CRA credit application searches may be used by other organisations to help make credit decisions about you. FPAs may also record information we share with them about you. We and any other organisation may use CRA and FPA records about you, people financially linked to you, anyone in your household and your business (if you have one) to (1) assess lending and insurance risks, (2) make decisions on and manage credit, insurance and related services, (3) help make decisions on motor, household, credit, life and other insurance proposals or claims, (4) for fraud prevention, debtor tracing, debt recovery or to check you or their identity to prevent money laundering and (5) for statistical analysis and system testing. CRAs and FPAs may also use your data for other purposes for which you give specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.

Please telephone us on 0871 522 5701. Calls cost 10p per minute plus network extras. Calls may be recorded or monitored for training and secuirity purposes. If you want details of the CRAs and FPAs we use. We may monitor or record our phone calls with you. You have a legal right to these details.

You can obtain your credit history by contacting one or all of the following agencies:

Experian:
Experian
Consumer Help Service
PO Box 8000
Nottingham
NG80 7WF

or call 0844 481 8000
or log on to www.experian.co.uk

Equifax:
Equifax PLC
Credit File Advice Centre
P.O. Box 3001
Bradford
BD1 5US

or call 0844 335 0550
or log on to www.myequifax.co.uk

Call credit:
Call Credit
Consumer Services Team
P.O. Box 491,
Leeds,
LS3 1WZ.

or call 0870 060 1414
or log on to www.callcredit.co.uk

You normally get an instant decision online, in certain cases you may be referred and we will contact you with further information.

If you are not accepted for a Harvey Nichols Card this time, you can try again any time if your circumstances change. However, you should be aware that each time you reapply we will perform Fraud and Identity checks, which are recorded by the Credit Reference Agencies ("CRAs") and Fraud Prevention Agencies ("FPAs") that we use.

We, Santander Group companies, Harvey Nichols and Company Limited and any other associated organisations which we disclose your personal information to, may contact you personally about this agreement and with details of other products and services that we think might interest you, based on the information we hold about you. If you don’t wish to receive marketing from us, please let us know.

Yes, if there is a sticker on the front of the card asking you to call to active it you will need to do so. Once this has been done your card should be ready to use within a couple of hours.

Call 0800 369 8602. Opening hours are: Monday to Thursday 9am – 8pm, Friday 9am –7pm, Saturday 9am – 5pm.

Yes, you can apply for 3 additional cardholders, which can include your partner or family members. You will be given the opportunity to do this when you apply. If you are already a cardholder, you can call Harvey Nichols Card Services on 0871 522 5701 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes). Please note that additional cardholders must be aged 18 and over and share your credit limit. You are responsible for all use of the Card by the additional cardholder.

Santander Cards UK Limited is the credit provider for the Harvey Nichols Card. If you'd like to find out more, please visit Santander Cards UK.

If you do not receive your Harvey Nichols Card within 7-10 days of a successful application, you should make us aware by calling Harvey Nichols Card Services on 0871 522 5701 (Calls cost 10p per minute plus network extras. Calls may be recorded or monitored for training and security purposes). Every effort will be made to ensure that your card reaches you safely and as quickly as possible.

A condensed guide to the use of your Personal Information by ourselves and by Credit Reference and Fraud Prevention Agencies.
1. When you apply to us to open an account, we will check the following records about you and others (see 2 below):
a) Our own;
b) Those at credit reference agencies (CRAs). When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders and this may affect your ability to obtain credit for a short while. They supply to us both public (including the electoral register) and shared credit and fraud prevention information;
c) Those at fraud prevention agencies (FPAs). We will make checks such as assessing this application for credit and verifying identities to prevent and detect crime and money laundering. We may also make periodic searches at CRAs and FPAs to manage your Account with us.
2. If you tell us that you have a spouse or financial associate, we will link your records together so you must be sure that you have their agreement to disclose information about them. CRAs also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.
3. Information on applications will be sent to CRAs and will be recorded by them. Where you borrow from us, we will give details of your accounts and how you manage it/them to CRAs. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs and FPAs to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted.
4. If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information onto FPAs and other organisations involved in crime and fraud prevention.
5. If you have borrowed from us and do not make payments that you owe us, we will trace your whereabouts and recover debts.
6. Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.

This is a condensed version and if you would like to read the full details of how your data may be used please phone Harvey Nichols Card Services on 0871 522 5701 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes).
You can contact the CRAs currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee.
* Call Credit, Consumer Services Team, P.O. Box 491, Leeds, LS3 1WZ or call 0870 060 1414 or log on to www.callcredit.co.uk.
* Equifax PLC, Credit File Advice Centre,P.O. Box 3001, Bradford, BD1 5US or call 0844 335 0550 or log on to www.myequifax.co.uk.
* Experian, Consumer Help Service, P.O. Box 8000, Nottingham NG80 7WF or call 0844 481 8000 or log on to www.experian.co.uk.
* Please contact us on 0871 522 5146 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes) if you want to receive details of the relevant FPAs.

Rewards Programme

Yes, you will earn points on all your purchases with your Harvey Nichols Card, excluding the purchase of gift vouchers, gift cards, the payment of any outstanding balances on a Harvey Nichols Store Card or MasterCard Account or in respect of delivery charges associated with a transaction. The minimum purchase required to earn points is £1.

You will earn points at the rate of 1 point for every whole £1 spent when you use your Harvey Nichols Card in participating Harvey Nichols stores and on the Harvey Nichols website at www.shop.harveynichols.com. If you have a Harvey Nichols MasterCard you will earn points at the rate of 1 point for every whole £2 spent for all other purchases made with your MasterCard™ elsewhere.

Your monthly statement will show your current points balance.

Your points will be turned in to Harvey Nichols Rewards Vouchers, which will be sent out on a quarterly basis (normally February, May, August and November).

Harvey Nichols Rewards Vouchers are issued at the rate of £5 for every 500 points collected. A minimum of 500 points must be earned to receive a voucher and any remaining points will, at our discretion, be carried forward and count towards future Harvey Nichols Rewards Vouchers.

Your Harvey Nichols Rewards Vouchers will expire 6 months from the date of issue. The expiry date can be found on the back of the voucher. Expired vouchers are not valid and will not be replaced, nor will points to which they relate be re-instated.

Harvey Nichols Rewards Vouchers may only be redeemed at participating Harvey Nichols stores and restaurants (excluding online purchases) and must be handed over at the point of sale.

Balance Transfers

With a Harvey Nichols MasterCard you can transfer UK store card and credit card balances to your Harvey Nichols MasterCard from when you activate your card. The balance transfer fee is 2.99%; once the balance transfer has been processed, this fee cannot be returned, even if you change your mind. You cannot transfer balances from another card with the same retailer branding as the one to which you wish to transfer the balance.
The 0% offers may be withdrawn if you fail to make repayments on time and/or exceed your credit limit. At the end of the 0% period, if you haven't paid off the amount of the purchases and/or the balance transfer in full, interest will become payable on the remaining amount at your then current standard purchase rate. Only UK store card and  credit card balances may be transferred and all transfers are subject to our approval. You can transfer any amount from £100 up to your available credit limit (less £100 and the amount of your handling fee). All or part of the balance(s) requested will be transferred subject to your available credit limit. A balance transfer can take up to 15 days to be completed. You should continue making monthly repayments to your existing card provider, until the transfer shows on your account with them.
After a balance transfer has been processed, you cannot cancel it and the fee cannot be refunded to you.
The fee will be shown on your monthly statement following the transfer.
The balance transfers will not be processed until after you have activated the card.
We reserve the right to withdraw these offers at any time.

Yes, you can transfer balances from a number of accounts, and account providers – providing that they are UK balances. You cannot transfer balances from another card with the same retailer branding as the one to which you wish to transfer the balance. You can also transfer your balance when you call to activate your card.

To arrange a Balance Transfer you should call Harvey Nichols Card Services on 0871 522 5701 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes). You can also transfer your balance when you call to activate your Card.

A Balance Transfer can take up to 15 days to be completed. You should continue making monthly repayments to your existing card providers, until the transfer shows on your account with them.

You can transfer any amount from £100 up to your available credit limit (less £100 and the amount of your handling fee). All or part of the balances(s) requested will be transferred subject to your available credit limit.

You can transfer a balance on behalf of your additional cardholder within the same criteria as for personal balance transfers

There’s a 2.99% handling fee on each transfer amount. After a Balance Transfer has been processed, you cannot cancel it and the Balance Transfer fee cannot be refunded to you. The handling fee will be shown on your monthly statement following the transfer.

Managing your Harvey Nichols Card

Yes, you can manage your Card online using the Harvey Nichols Online Account Manager. To do this simply click on the 'Manage My Account' link at the top of this page and you will be taken to the Online Account Manager site where you can register.

Direct Debit
The most convenient way to pay is to set up a Direct Debit by calling our Customer Helpline and your payments will be automatically debited on time.

Cheque by post directly to Harvey Nichols Card Services
Please make your cheque payable to Santander Cards UK Limited and write your account number on the back You can use the payment slip and envelope provided in your statement (but no cash, staples or paper clips) or post your cheque to PO Box 848, Liverpool, L71 2XX. You'll need to allow 7 working days for your payment to clear, from the date we receive your cheque. Please add extra time at Bank holidays or Christmas.

Over the counter – through your Bank/Building Society/Post Office
Please take the payment slip provided in your statement with you. You can pay at any bank and there shouldn’t be a handling fee if it’s your own bank or Lloyds TSB. If you’re paying by cheque, please make it payable to Santander Cards UK Limited and write your account number on the back. You’ll need to allow five working days for your payment to clear from when we receive it. Please use the bank account number and sort code given on your latest statement. You’ll need to allow 5 working days for your payment to clear.

You can make additional payments to your account at anytime using the standard payment options detailed above. However, extra payments must reach us at least four days before your Direct Debit is due to allow us to cancel it for that month.

If you request an increased credit limit, we will consider such factors as your payment history and when you last had an increase. We may also use credit referencing to consider your request.

Yes, call Harvey Nichols Card Services on 0871 522 5701 (calls cost 10p per minute plus network extras. Calls may be recorded or monitored for training and security purposes) to reduce your credit limit. If we need to reduce your credit limit for any reason, you will be informed in advance in writing.

Please contact Harvey Nichols Card Services immediately on 0871 522 5701 (calls cost 10p per minute plus network extras. Calls may be recorded or monitored for training and security purposes).

If you need to change your personal details you should call Harvey Nichols Card Services on 0871 522 5701 (calls cost 10p per minute plus network extras. Calls may be recorded or monitored for training and security purposes). If you wish to make a change to your name you must write to us providing a copy of a legal document, which confirms your name change (for example, a marriage certificate), for verification purposes. Please send your letter to: Santander Cards UK Limited, Customer Services Department, PO BOX 700, Leeds LS99 2BD.

To cancel any additional cardholder, call Harvey Nichols Card Services on 0871 522 5701 (calls cost 10p per minute plus network extras. Calls may be recorded or monitored for training and security purposes).

Unfortunately, these are sent out the same time every month and the date of this cannot be altered.

Protecting you and your Harvey Nichols Card

To avoid your Card and account falling into the wrong hands, you should sign the back of your Card as soon as you receive it. Also if there is sticker on the front of your card asking you to call to activate it you will need to call to do so. With a Harvey Nichols MasterCard you will also receive a PIN number. As soon as your PIN arrives please memorise it and then destroy it. Never write it down, or give it to another person. If you change your PIN, make sure you choose it carefully. Never give your Card, or account number to anyone else, and don’t be visible when entering your PIN at a Chip and PIN terminal. If you have reason to suspect that someone has unauthorised access to your account, you should report it to us immediately on 0871 522 5701 (calls cost 10p per minute plus network extras. Calls may be recorded or monitored for training and security purposes).

Please contact Harvey Nichols Card Services straightaway on 0871 522 5701 (calls cost 10p per minute plus network extras. Calls may be recorded or monitored for training and security purposes).

If your card is lost or stolen, you should report this to us immediately by calling Harvey Nichols Card Services on 0871 522 5701 (calls cost 10p per minute plus network extras. Calls may be recorded or monitored for training and security purposes).

Rates and Charges

What is estimated interest?

The estimated amount gives you an indication in advance of how much interest you could be asked to pay on your next statement, and will help you manage your finances more effectively. The estimated amount is based on the following assumptions:

• You only pay the minimum payment amount shown on your statement;
• Your balance doesn't increase before your next statement date due to any more purchases, cash advances or Balance Transfers;
• The minimum payment is applied to your account on the due date;
• The way we calculate interest doesn't change and the interest rate(s) (which can vary) used in the calculation are the same at next month's statement date as they are now;

No, there is no annual fee for the Harvey Nichols Card.

Where any Transaction or payment to the Account is made in a currency other than Sterling it will be converted to Sterling at a rate of exchange determined by the payment scheme together with our foreign exchange conversion fee of 2.75% on the day before the Transaction or payment is processed. This may not be the same as the exchange rate on the Transaction date or the date that the payment is made as exchange rates vary on a daily basis. Details of the rate used and of any charges will be set out in your statement. You may access information about the exchange rates we use by calling us on 0208 181 0000. Calls may be recorded and monitored for training and security purposes.

You will be charged 3% for cash transactions with a minimum fee of £3.00. Interest is charged from the date of transaction.

The balance transfer fee is 2.99%; once the balance transfer has been processed, this fee cannot be returned, even if you change your mind.

The Representative APR for the Harvey Nichols Card is 18.9% APR variable. It is the rate that at least 51% of people who apply and are accepted for a Harvey Nichols Card will receive.

The minimum credit limit you will receive with your Harvey Nichols Card is £500. Your credit limit will be communicated to you at the point of application and is subject to your individual circumstances.

The minimum payment will be the sum of (i) the amount of any interest, payment protection insurance premiums and Default Fees charged to your Account plus (ii) 1% of the remaining balance shown on your statement plus (iii) the amount (if any) by which you have exceeded your Credit Limit, subject to this being a minimum of £5.  If the total outstanding balance is less than £5.00, then the minimum payment due will be the total outstanding balance. If you only make the minimum payment it will take longer and cost more to clear your balance.

If you do not pay the Account balance in full in any month, we will apply your payment to the statemented Transactions as follows:
1. It will be allocated to the different amounts of your outstanding statemented balance that are charged at higher interest rates before those that are charged at lower interest rates.
2.  If interest is charged at the same rate on different amounts, we will apply your payment to the different amounts in the following order: Cash Transactions, payment protection insurance premiums, Balance Transfers, other Special Transactions, Purchases and other Transactions.  If you have more than one Special Transaction at the same rate, your payment will be applied first to the Special Transaction that has the earliest Promotional Period end date. 
         Where an Account fee is charged in connection with a Transaction or Special Transaction, it will be applied by reference to that Transaction type. Otherwise it will be applied after other Transactions as set out in 2) above. We will apply any remaining payment to Transactions not yet shown on your statement in the same order as set out above.

In the future we may decide to change your interest rate, this may be due to your account performance or perhaps changes to the UK economy. In these circumstances we will inform you of any changes by post. To find out more about your rights and further information around Credit Card / Store card re-pricing then please read these independent re-pricing FAQs by the UK Cards Association at www.Santandercards.com/repricing

If you are experiencing financial difficulties, or having problems meeting your payment obligations, you should contact Harvey Nichols Card Services as soon as possible on 0871 522 5701 (calls cost 10p per minute plus network extras. Calls may be recorded or monitored for training and security purposes).

Chip and PIN

Your PIN will be sent to you by post separate from your card. When you receive it you should memorise it and destroy it. Never write it down or tell it to anybody else.

You can change your PIN at the following cash machines; Lloyds TSB, Nat West, Alliance and Leicester, Halifax and Royal Bank of Scotland.

You'll have three chances to enter your PIN correctly when you're trying to pay. If you enter it incorrectly three times in a row your PIN will be locked and you'll need to call Harvey Nichols Card Services on 0871 522 5701 (calls cost 10p per minute plus network extras. Calls may be recorded or monitored for training and security purposes) to request a new PIN.

Only if you have a Harvey Nichols MasterCard. The Harvey Nichols Store Card does not require a Chip and PIN.

Your card will be sent to you with accompanying information to state that it is a Chip and PIN card, and provide you with essential information about using Chip and PIN.

Chip and PIN has been introduced in some countries. Where this is not the case, you will be asked to sign a receipt as before. Therefore, please ensure you still sign the back of your card when you receive it.

No. Chip and PIN replaces using a signature to confirm transactions - as you haven't signed for these in the past, you won't need to enter your PIN.