We decide what rate of interest you are charged based on your level of risk.
When you buy something on your credit account, there’s always a risk that you might not pay it back.
If we think the level of risk is low, we’ll give you a lower interest rate, and vice versa.
We think that’s fairer than charging everyone the same interest rate.
Sometimes we may need to adjust the rates we charge all of our customers because our own costs have changed.
Please see the links below for more information.