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    More flexible shopping with our new 0% offer Pay 0% interest until March 2016
    Who is eligible?

    This offer is only available to new customers who apply and are accepted for a personal credit account before 22/12/15.

    How will interest be charged & when will I pay it?

    You will not pay any interest on purchases until your March 2016 statement providing you pay at least the minimum payment by the payment due date shown on each previous statement. Interest on your March 2016 statement will be calculated using the standard interest charging method detailed in your credit agreement. It will include interest on purchases made between your January 2016 and February 2016 statements and interest on the opening balance of your March 2016 statement. That opening balance may include purchases made in previous statement periods.

    Do I have to pay Interest?

    No, if you pay the full balance shown on your February 2016 statement by the payment due date set out in the statement you will not pay any interest. However, if you pay less than the full balance or you are late making, or fail to make, any payment, you will be charged interest as set out above.

    What do I need to pay?

    In order to keep your promotional interest rate you must pay at least the minimum payment shown on any statements you receive by the payment due date shown on the statement.

    What happens if I pay late?

    The promotional interest rate will end, you will be charged interest at the standard rate on purchases and the opening balance of your next statement. We will calculate that interest in the manner set out in your credit agreement. You may also be charged a £12 late payment administration charge.

    What else do I need to know?

    If you choose not to pay the full balance shown on your February 2016 statement then it will cost you more than if you pay your balance off in full or paid for your purchases in cash as we will charge you interest.

    Remember, if you set up a direct debit, you will never forget to pay your minimum payment and the interest rate you pay will be lower, which means your APR will be lower too - 52.0% APR variable.

    Terms & Conditions: Credit is subject to status. Terms and conditions apply. To open a Personal Credit Account, you must be a UK resident and over 18 years of age. JD Williams & Company Limited trading as Jacamo is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 311618. JD Williams & Company Limited, registered office, Griffin House, 40 Lever Street, Manchester M60 6ES. Registered in England No. 178367.

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