Summary Box

Other interest rates		Introductory Rate Effective	Introductory Rate Simple	Monthly Rate	Annual Rate Effective	Annual Rate Simple
The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
APR	Typical 16.9% APR variable
	Retail Purchases	n/a	n/a	1.313% to 1.527%	16.9% to 19.9%	15.756% to 18.324%
	Cash Advances	n/a	n/a	1.805%	23.9%	21.660%
	Balance Transfers	0% pa*	0% pa*	1.313% to 1.527%	16.9% to 19.9%	15.756% to 18.324%
	*fixed for 9 months from date account is opened
	Other than where a rate is fixed, all rates are variable.
Interest-free period	Up to 56 days for purchases when you pay your balance in full every month by the due date. There is no interest free period for Balance Transfers or Cash Advances.
Interest charging information	Purchases - if you don't pay the statement balance in full by the due date we will charge interest on each transaction, from the date the transaction is charged to your account until it is paid in full.
	Cash Advances - interest is always charged from the date of each transaction until paid in full.
	Balance Transfers - interest is always charged from the date of each transaction until paid in full.
Application of payments	If you do not pay off your balance in full, payments we receive are applied first to Payment Protection Insurance premiums, then to Default and other charges, fees, interest and then Balance Transfers, Cash Advances and Purchases with lower rate introductory or promotional items repaid before items with no introductory or promotional rate. Please refer to "Application of Payments" section in your Agreement for a full breakdown.
Minimum repayment	Monthly minimum repayments of £5 or 2% of the balance (whichever is greater).
Amount of credit	Minimum Credit limit £250, maximum credit limit subject to status
Fees	£0.00 Annual Fee.
Charges	2.5% handling fee (minimum £3) of the amount of each cash advance (includes cash withdrawals and purchases of foreign currency and travellers cheques), a fee of 2% of the amount of each Balance Transfer (minimum £5), 2.75% administration charge on non-sterling transactions, a fee of £5 to stop a cheque, copy vouchers £5 and copy statements £5
Default charges	- £12 if you exceed your credit limit - £12 if you pay late - £12 if a cheque for a Balance Transfer is returned unpaid - £12 if any payment is returned unpaid - £12 if we serve a Default Notice

The APR quoted is the typical APR. The interest rates and APRs we charge will depend on our assessment of your circumstances and on your conduct of the account from time to time.

Repayments

Illustrative Examples	For purchase of £1,000 on your RSPCA Credit Card.
Monthly Payment	Minimum payment each month	£50 payment each month	£100 payment each month
Taking into account any introductory rates, how much interest will you be charged in the first year?	£152.78	£127.57	£85.42
How much interest will you be charged in the second year?	£140.69	£48.07	£0.00
How long would it take to clear the balance?	23yrs 6 months	2 yrs 1 month	1 yr
The above example assumes the following: the transaction takes place on 1^st January and you make no further transactions; you always made the payments on the 15^th; your statement is produced 31 days after you make the purchase; interest is calculated on the typical 16.9% APR and introductory rates are included.

We recommend that you pay more than the minimum payment whenever possible. If you make only the minimum payment each month it will take you longer and cost you more to clear your balance, as shown in the above example.

Beneficial is a trading name of HFC Bank Limited. HFC Bank Limited, registered in England No 1117305, registered office: North Street, Winkfield, Windsor, Berkshire SL4 4TD is authorised and regulated by the Financial Services Authority.