Store Card

The Karen Millen Card

Financial Benefits:

• Spend over £199 and you will receive six months interest free credit
• Up to £1000 instant credit*
• Typical 28.9% APR variable for any spend under £199 and for any balances which have not been paid off in full by the end of any applicable interest free credit period
• subject to approval. Must be aged 18+ and a UK resident

What’s In It For Me?:

• Exclusive invitations to shopping events
• Invitations to sale previews
• Regular email updates with news of special discounts and launches

How To Apply:

• At any UK stand alone Karen Millen stores or apply online **
• The form is simple to complete and you’ll have a decision in minutes
• You must be aged 18 or over, and be a UK resident
• You will need to show us a major bank or credit card
• If your application is accepted, you will be issued with a card in approx 7-10 days

SUMMARY OF CARD FEATURES

This information summarises our main Karen Millen card features.

APR:

Typical 28.9% APR variable

OTHER INTEREST RATES:

Promotional Rates – 0% per annum on all purchases of £199 or more for the first six months after the statement date upon which the purchase is first shown. Thereafter and for purchase which do not qualify for the Annual Interest rate will be 25.7%.

INTEREST FREE PERIOD:

Purchases – up to 56 days on purchases if your balance is paid off by the ‘payment to reach us date’. We will charge interest from the date of the purchase until the date that the outstanding balance is repaid in full. Promotional period – six months on all purchases of £199 or more. If the full balance is not cleared within any applicable Promotional period, interest is charged on the outstanding balance at the annual rate shown. Interest is not backdated , it is only charged from the day after the expiry date of any Promotional Period.

ALLOCATION OF PAYMENTS:

Any payment that you make which is insufficient to repay the full balance on your account will be applied to cover any insurance premium due as a priority and then will be allocated to pay any interest free balances and then to interest bearing balances in the order of the lowest interest rate first. When payments are allocated to each different balance they will be applied in the following order, default fees and charges, interest and then purchases.

MINIMUM PAYMENT:

Every month you must pay at least the minimum amount set out on your statement. This will be either 3.65% of the total amount charged to your Karen Millen Card, or 3.65, whichever is the larger.

AMOUNT OF CREDIT:

Minimum credit limit of £100

ANNUAL FEE:

None

CHARGES:
DUPLICATE COPY OF STATEMENTS:

£2.50 (Per statement)

DEFAULT CHARGES:

£12 for late payments, cheques returned ‘refer to drawer’ and unpaid direct debits.

This does not replace any legal conditions and we ask you to read the full terms and conditions for more information. Karen Millen Card is a trading name of IKANO Financial Services Ltd, Adam House, Players Court, Players Street, Nottingham, NG7 5LN