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You can apply for a Laura Ashley 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 (landline or mobile phone).
• My partner or myself are in permanent paid employment (minimum 16 hours a week), self employed or retired, or in receipt of incapacity allowance.

When you receive your Card in the post, just call us on 0800 915 2232 (Calls may be recorded and monitored for training and security purposes) to activate it. Your Card will then be ready for you to use.

Yes, for a partner or family member. 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 and you'll have one record of all transactions made on the Card. You will be given the opportunity to do this when you call to apply. If you are already a Cardholder, you can call Customer Services on 0871 522 5272 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes).

To cancel your Additional Cardholder, call Laura Ashley Customer Services on 0871 522 5666 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes) if you have a Storecard or 0871 522 5272 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes) if you have a MasterCard . For security purposes please ensure that you cut up the card.

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

No there is no annual fee for the Laura Ashley Card.

Please refer to the Summary Box for more information.

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

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.

A £12 charge will be applied in each of the following instances:

• Late payment fee
• Over credit limit fee
• Administration fee for returned cheques or Direct Debits

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

The minimum credit limit you will receive with your Laura Ashley Card is £250. Your credit limit will be communicated to you at the point of application and is subject to your individual circumstances. You can find your credit limit on your statement.

Yes, call Laura Ashley Customer Services on 0871 522 5666 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes) if you have a Storecard or 0871 522 5272 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes) if you have a MasterCard 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 Laura Ashley Customer Services immediately on 0871 522 5666 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes)  if you have a Storecard or 0871 522 5272 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes) if you have a MasterCard (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes).

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 us as soon as possible on Customer Services on 0871 522 5666 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes) if you have a Storecard or 0871 522 5272 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes) if you have a MasterCard.

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.

This is a voluntary code of practice which sets standards for financial institutions to follow when they are dealing with their personal customers in the United Kingdom.  You can access the consumer guide to the code here

Unfortunately no. Your statement will detail your Account status each month.

You have four choices:

1.By post:
Send the Giro slip from your statement with a cheque payable to Santander Cards UK Limited, to: PO Box 848, Liverpool, L71 2XX. Your Account number must be quoted on the back of your cheque. Please allow seven working days for the payment to be credited to your Account, and extra time during busy postage periods and bank holidays.

2.By telephone:
Call Customer Services on 0871 522 5666 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes)  if you have a Storecard or 0871 522 5272 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes) if you have a MasterCard. Please allow five working days for the payment to be credited to your Account.

3.By cheque/cash
Call into any bank with the Giro slip attached to your Laura Ashley Card statement, and a cheque made payable to Santander Cards UK Limited (please note that some banks may charge a small handling fee).
Please allow five working days for the payment to be credited to your Account.

4.By Direct Debit
Direct Debit saves time, is more convenient, gives you greater control and makes late payment charges easy to avoid.  If you’d like to pay by Direct Debit, you can call our Customer Helpline to set up a Direct Debit to either pay your minimum payment a fixed amount or full balance each month, which we will automatically collect saving you the worry of making it on time. The payment will be transferred from your bank or building society every month, provided you have enough funds in your account. Please allow up to four working days to either set up or amend a Direct Debit. If you’d like to make an additional payment, you can send us a cheque together with the payment slip on your statement. Please remember that if you only make the minimum payment each month, it will take you longer and cost you more to clear your balance.

 

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.