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Our Credit Card is designed for balance transfers, you can read more about this on the Credit Card page. The Gold Card is primarily for purchases, again you can find out more on our Gold Card page.
Credit is subject to status. The rate you'll receive depends on your individual circumstances, credit checks and an assessment of your financial situation so may differ to the rates you see advertised. The rate you are offered could be higher than the advertised annual percentage rate (APR). The maximum APR you could be offered is 21.9% APR.
Customers can have one Regular Saver Account with first direct per person at one time.