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.

In the unlikely event that you are not totally satisfied with your Laura Ashley Card, please call Laura Ashley Customer Services on 0871 522 5666 if you have a Storecard or 0871 522 5272 if you have a MasterCard (Calls may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras) and take advantage of our No-Quibble Guarantee®. If you contact us within 60 days of opening your Account and then pay off your outstanding balance within 30 days, we will close your Account for you and waive the interest charges and fees. We may require this is writing. This guarantee is in addition to and does not affect any statutory rights that you may have.

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

Yes, for a partner or family member who must be over 18 years old and over. The Account holder will be responsible for the additional Cardholders spending. 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 5666 if you have a Storecard or 0871 522 5272 if you have a MasterCard (Calls may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras).

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

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

Please refer to the Summary Box for more information.

The typical APR for the Laura Ashley Card is 19.9% APR variable. It is the rate that at least 66% of people who apply and are accepted for a Laura Ashley card will receive.

Account Card providers 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.

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

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?"

We will apply payments to the Account in the following order:
a) First, in payment of any insurance premiums, interest, charges or fees (in that order);
b) Next, in repayment of Balance Transfers followed by payments using Convenience Cheques (those with lower interest rates being paid before those with higher rates);
c) Then, in repayment of Retail Purchases, Till Cash Transactions and Cash Transactions (in that order and in the order in which they were debited to the Account);
d) Finally, in repayment of Buy Now Pay Later Transactions and Pay No Interest Transactions in the order in which they were debited to the Account.

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 if you have a Storecard or 0871 522 5272 if you have a MasterCard (Calls may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras).

For simple, clear, independent information about money: Facts, case studies and useful contacts to help you make good money decisions, click here: www.moneybasics.co.uk.

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.

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 GE Money, 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 if you have a Storecard or 0871 522 5272 if you have a MasterCard (Calls may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras).

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 GE Money (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
Set up a Direct Debit over the telephone by calling Laura Ashley Customer Services on 0871 522 5666 (Calls may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras).
Your total or minimum payment will be debited from your bank Account on time, every month.

For more information simply call Laura Ashley Customer Services on 0871 522 5666 (Calls may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras). If you want to pay more than the minimum monthly payment, or pay off the outstanding balance in full, you can just complete the payment slip at the bottom of your statement. You can take your payment into any bank or post to the address above. Extra payments must reach us at least four days before your Direct Debit is due, to allow us to cancel it for that month.

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.