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) and online at www.shop.harveynichols.com.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 and abroad, online and worldwide.

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

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You will be charged 3% for cash transactions with a minimum free 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 may be recorded or monitored for training and security purposes. Calls cost 10p per minute plus network extras) for any queries.

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 may be recorded or monitored for training and secuirity purposes. Calls cost 10p per minute plus network extras. 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 (by letter, fax, phone and mobile phone (including recorded messages, automatic dialling and automatic calling), email, SMS and other electronic methods) about this agreement and with details of other products and services (provided by us or others) 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 may be recorded and monitored for training and security purposes. Calls cost 10p per minute plus network extras). Please note that additional cardholders:
- must be 18 years or over
- are subject to the cardholders credit limit
- will be responsible for all purchases made by the additional cardholders.

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 may be recorded or monitored for training and security purposes. Calls cost 10p per minute plus network extras). Every effort will be made to ensure that your card reaches you safely and as quickly as possible.

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 may be recorded and monitored for training and security purposes. Calls cost 10p per minute plus network extras).
   
   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 0870 125 2522 if you want to receive details of the relevant FPAs

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.

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. Balance Transfers are subject to application by the primary cardholder and the available credit limit on their Harvey Nichols MasterCard. A rate of 0% p.a. for 6 months applies to balance transfers that you transfer to your Harvey Nichols MasterCard within 60 days of the date you apply for your Harvey Nichols MasterCard. At the end of the 6 months, if you haven’t paid off the Balance Transfer amount in full, interest will become payable on the remaining amount at your standard retail purchase rate. 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.

Yes, you can transfer balances from a number of accounts, and account providers – providing that they are UK balances and not from a card provided by Santander Cards Limited or Santander Cards UK Limited. 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 may be recorded and monitored for training and security purposes. Calls cost 10p per minute plus network extras). 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.

There’s a brand new account management page on the way. Please check back later in the year to manage your account online.

In the meantime, you can manage your account by calling Harvey Nichols Card Services on 0871 522 5701 (calls may be recorded and monitored for training and security purposes. Calls cost 10p per minute plus network extras). We’re here to help you if your Card has been lost or stolen, if you need to inform us of a change of address or if you have any other query about your Card.
Lines open Monday to Friday 8am to 8pm, Saturday and Sunday 9am to 5pm.

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. All you need are the following details:


SORT CODE: 30-00-00
BANK ACCOUNT NUMBER: 00290459

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 may be recorded or monitored for training and security purposes. Calls cost 10p per minute plus network extras) 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 may be recorded or monitored for training and security purposes. Calls cost 10p per minute plus network extras).

If you need to change your personal details you should call Harvey Nichols Card Services on 0871 522 5701 (calls may be recorded or monitored for training and security purposes. Calls cost 10p per minute plus network extras). 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 may be recorded or monitored for training and security purposes. Calls cost 10p per minute plus network extras).

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

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 may be recorded or monitored for training and security purposes. Calls cost 10p per minute plus network extras).

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

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 may be recorded or monitored for training and security purposes. Calls cost 10p per minute plus network extras).

All credit card providers who subscribe to the Banking Code must show on statements an estimate of the amount of interest payable where a customer only makes the minimum payment amount. 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;

The amount takes no account of any delayed payment promotions we may offer in the period ahead.

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.

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.

The typical APR for the Harvey Nichols Card is 18.9% APR variable. It is the rate that at least 66% 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.

You must make a minimum monthly payment of £4 or 4% of the outstanding balance (whichever is greater), or the full balance if it is less than £4. Only ever making the minimum repayment will significantly increase the time taken to clear your balance and cost you more. Alternatively you can pay your balance in full using any of the payment methods listed under - How can I make a payment to my account?

If you do not pay off your balance in full, payments we receive will be applied in the following order:
1. Insurance Premiums;
2. Interest, Charges or Fees (other than foreign currency)(in that order)
3. Balance Transfers (those with lower rates being paid first).
4. Retail Purchases (in the order they were added to your account)
5. Cash Transactions (those with lower rates being paid first)
6. Buy Now Pay Later Transactions (in the order they were added to your Account)
Foreign currency fees will be repaid in the same order set out above as the Transaction to which they relate. See the 'Other Financial Information' section of the Credit Agreement for full details.

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 may be recorded or monitored for training and security purposes. Calls cost 10p per minute plus network extras).

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 may be recorded or monitored for training and security purposes. Calls cost 10p per minute plus network extras) 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.