Common use of Instalment Plans Clause in Contracts

Instalment Plans. An instalment plan allows you to pay for a new purchase or all or part of your balance by paying a certain number of fixed monthly instalment payments. You may be able to set up an instalment plan when you make a purchase online using your card or by going to online account manager. We will let you know if you can do this. We will let you know what the monthly instalment payment is before we set up the plan. We will work this out by taking the purchase or balance that you are considering putting into the plan, calculating the interest that will be due and then working out how much you will need to pay each month over the period you have chosen. The monthly instalment payment for each of the instalment plans you have set up will then be shown in your statement. The number or amount of a monthly instalment payment may be reduced or increased to reflect refunds and overpayments or late payments. You cannot change an instalment plan once we have set it up. You may cancel an instalment plan by contacting us. If you cancel an instalment plan, the balance will become part of your standard purchase balance. See How much do you have to pay each month? and What interest rates and fees do you have to pay? for more information about instalment plans. How do you authorise transactions? When you make (or any additional cardholder makes) a transaction you must authorise it before we can add it to your account. No-one else may use your card. Ways you can use your account How do you authorise transactions? Paying for goods and services at a supplier when you are present e.g. in a shop The supplier will tell you what steps are needed to authorise payment. This could be by signing, by using the PIN we give you to use with your card, biometric data (such as fingerprint) or other security details we may tell you about. You may be able to use your card contactlessly by presenting your card to the contactless reader. You may be asked for other security details after you have made a certain number of contactless transactions. Paying for goods and services at a supplier when you are not present e.g. online Using your card number and/or other information requested by or on behalf of the person you are paying, for example a security number, passcode or password. Making regular, for example monthly, payments to a supplier. This could be for gym membership or TV packages or insurance Provide your card details to the supplier. It is important to remember that if you want to cancel the payment you must let us know this. You may withdraw your authorisation at any time up to the end of the business day (3pm Monday- Friday except English Bank Holidays) before the recurring transaction or other regular payment is due to be paid. We will use our best efforts to stop these transactions from being charged to your account but as the supplier initiates these transactions you should let the supplier know that they should stop doing this. If a regular payment is taken from your account after you have withdrawn your authorisation, we will refund the amount, together with any related interest and charges. Cash Withdrawals (including online) gambling such as placing a bet, buying lottery tickets, buying gaming chips and spread betting, travellers cheques or foreign currency, getting cash from an ATM machine or over the counter. Providing the security details as required by the instructions on the ATM, online or at the counter. Balance transfers You make a balance transfer by asking us to send a payment from your account to reduce or repay an amount you owe to another lender. You make a money transfer by asking us to send a payment from your account to a current account in your name. We can limit the number of balance or money transfers you make or only allow them up to a proportion of your credit limit. You may not make a balance transfer or money transfer from or to an account outside the UK. We will ensure that the amount of the payment will be credited to the other lender or to your current account by the end of the working day after you have requested the balance transfer or money transfer. We will tell you about any fees payable. If the payment does not arrive by the working day after you have asked us to make it, if you ask us, we will contact the bank to whom we sent the payment and ask them to treat the payment as if it had been made on time. If we make a mistake, for example, if we send the transfer to the wrong place, we will refund your account straightaway and will take off any interest and charges which we may have added to the account as a result of that transaction. After we have processed a balance or money transfer you cannot cancel it and we will not refund any fee, unless you are able to withdraw from the agreement. Money transfers Can you stop payments you have authorised? You can cancel payments that are due to be made on a future date (for example, if you set up a regular payment) by contacting us by the end of the business day before the payment is due to be made. You must also contact the retailer to tell them you have cancelled the payment. You cannot cancel any other transaction after you or an additional cardholder have authorised it (for example, it is not possible to cancel a purchase or cash transaction at the time of payment). In certain circumstances you can ask for a refund. When can you claim a refund for a payment you have authorised? Where you, or an additional cardholder, authorise a payment but the amount of the payment is not known (e.g. if the card is used to pay a hotel xxxx but the amount of the payment is not known until check out) then, if the payment charged to your account is higher than reasonably expected, you can ask us to make a refund of the amount charged to your account, provided you do this within 8 weeks of the date that the payment was charged to your account. If you do this, we may need to ask you for information to help us find out what happened. If you are entitled to a refund, we will make it within 10 days of the date that we have all the information we need to make a decision. You can’t ask for a refund if we or the retailer have provided you with information about the transaction at least 4 weeks before your payment is due and you or the additional cardholder gave consent for the transaction directly to us. If a retailer gives you a refund for a purchase we will only credit it to the account when we receive details from the retailer. We may treat this refund as a payment to your account. If you give us the wrong details for a balance transfer, money transfer or other cash transaction, or we can show that the bank we made the payment to did receive it, we won’t have to give you a refund but we will help you to recover the money (we may charge a fee to cover our costs). What happens if you think there is a transaction on your account that you have not authorised? If the card, card number and PIN, biometric data or other security details have been used we will assume the transaction has been authorised by you (or an additional cardholder). It is important you tell us straightaway by using the contact details set out below (see How you can contact us) if you do not think a transaction charged to your account and shown in your statement was made by you (or an additional cardholder). If you, or an additional cardholder, allow someone else to use a card or the card number, you will be liable for all transactions they make until you tell us that the card may be misused. You will not be liable for (and we will refund) any other transactions not authorised by you or an additional cardholder, including transactions made with the card or card number remotely (for example online, phone or mail order). We will refund the unauthorised transaction as soon as we can and in any event by the end of the next working day. Where do you find out about payments made to and from your account? Your statement will show all the transactions added to your account since the last statement. If you have a zero balance and your account has not been used since your last statement date, we won’t provide a statement until after the next time your account has been used. If you have agreed to this, we will make your statements and other notices (for example notices of variation, notices of sums in arrears and notice of default sums) available to you electronically in a printable and/or downloadable format in the online account manager and/or we will send them to the most recent email address that we have for you. You must let us know of any changes to your email or other address via the customer area at our secure online address. If we send statements and other notices by post we will send them to the most recent postal address we have for you. You may let us know at any time that you would prefer to receive statements and other notices electronically by updating your preferences online, or by calling us. We may choose to supply you with a paper statement. You must make the contractual minimum payment due each month even if you do not receive a statement for any reason or have not accessed your statement online. In these cases you must contact us to find out the contractual minimum payment due that month. Even if you do not receive a statement we will still charge interest and fees as applicable on the balance of your account. You must check your statement and must tell us as soon as possible if you think the statement is wrong or if you do not receive a statement when you expect one, or if you cannot access your online statement. What steps do you need to take to keep your account secure? You must: • take all reasonable precautions to prevent the account from being used for fraud; • tell us immediately using the contact details below (see How you can contact us) if you think the card is lost or stolen or the card number, PIN or security details may be used by someone else or fraudulently (if you find a card you have reported as lost you must destroy it and not use it); and • co-operate with us and the police to investigate any unauthorised transactions. Can we refuse to authorise a transaction, suspend your account or decrease your credit limit? We may refuse to authorise a transaction or reissue a replacement card, or we may cancel or suspend your use of the account or reduce your credit limit if not doing so would put us in breach of any legal requirements that apply to us or we reasonably: • believe that there is an increased risk that you may not be able to repay the amount you owe us (this could be because of the way you manage this account or other accounts you have with us, information we get from credit reference agencies or us finding that you are bankrupt or have made an arrangement with your creditors, or because you have not been making sufficient payments to your account and we reasonably believe that you may be in financial distress); • suspect fraudulent or unauthorised use of the account; • consider it necessary for the security of the account or card; • suspect that you, any additional cardholder or third party has committed or is about to commit a crime or other abuse in connection with use of the card or the account; • consider you have not been using your account regularly. We may also decrease your credit limit if we consider that your current limit is not affordable for you. We will tell you as soon as possible (see How we will contact you) if we decide to refuse to make a balance transfer or a money transfer but, for other transactions, you will usually find out if we have refused a transaction because you will be asked for payment by another card, cheque or cash. We will tell you why we have refused the transaction (unless the law prevents us) if you call the contact details below. We are not responsible if a retailer or supplier refuses to accept your card. If we suspend your account, you can ask us to lift the suspension if the reason for us suspending the account no longer exists but before this happens we may refuse to give you a new card or card number. You must give us clear and accurate payment instructions or we may not be able to carry out the transaction. If you go over your cash limit, we will stop you withdrawing any more cash until you are under the limit again. Using a third party provider (TPP) A TPP is a third party service provider that is authorised or registered with the Financial Conduct Authority or another European Economic Area regulator or otherwise permitted by law to carry on certain activities on your instruction. These include: • accessing information about your account held with us if it is accessible online; and • initiating payments from your account held with us if it is accessible online. If you use a TPP, the terms of this agreement will still apply. If a TPP is only asking for information about your account (and is not initiating a payment from your account with us), we will assume you have given your consent to us providing the information to that particular TPP and we will provide the information immediately. If the TPP is a card issuer who asks us to confirm whether you have sufficient credit for it to initiate a card payment from your account, we will only do so if you have given us your explicit consent to provide information to that particular TPP.

Instalment Plans. An instalment plan allows you to pay for a new purchase or all or part of your balance by paying a certain number of fixed monthly instalment payments. You may be able to set up an instalment plan when you make a purchase online using your card or by going to online account manager. We will let you know if you can do this. We will let you know what the monthly instalment payment is before we set up the plan. We will work this out by taking the purchase or balance that you are considering putting into the plan, calculating the interest that will be due and then working out how much you will need to pay each month over the period you have chosen. The monthly instalment payment for each of the instalment plans you have set up will then be shown in your statement. The number or amount of a monthly instalment payment may be reduced or increased to reflect refunds and overpayments or late payments. You cannot change an instalment plan once we have set it up. You may cancel an instalment plan by contacting us. If you cancel an instalment plan, the balance will become part of your standard purchase balance. See How much do you have to pay each month? and What interest rates and fees do you have to pay? for more information about instalment plans. Travel Money If we tell you that you can buy travel money with your card, you will be charged interest at the standard purchase rate on any foreign currency bought at TUI Travel Shops or on xxx.xxx.xx.xx or xxx.xxxxxxxxxxx.xx.xx or other outlets or websites notified to you by us. How do you authorise transactions? When you make (or any additional cardholder makes) a transaction you must authorise it before we can add it to your account. No-one else may use your card. Ways you can use your account How do you authorise transactions? Paying for goods and services at a supplier when you are present e.g. in a shop The supplier will tell you what steps are needed to authorise payment. This could be by signing, by using the PIN we give you to use with your card, biometric data (such as fingerprint) or other security details we may tell you about. You may be able to use your card contactlessly by presenting your card to the contactless reader. You may be asked for other security details after you have made a certain number of contactless transactions. Paying for goods and services at a supplier when you are not present e.g. online Using your card number and/or other information requested by or on behalf of the person you are paying, for example a security number, passcode or password. Making regular, for example monthly, payments to a supplier. This could be for gym membership or TV packages or insurance Provide your card details to the supplier. It is important to remember that if you want to cancel the payment you must let us know this. You may withdraw your authorisation at any time up to the end of the business day (3pm Monday- Friday except English Bank Holidays) before the recurring transaction or other regular payment is due to be paid. We will use our best efforts to stop these transactions from being charged to your account but as the supplier initiates these transactions you should let the supplier know that they should stop doing this. If a regular payment is taken from your account after you have withdrawn your authorisation, we will refund the amount, together with any related interest and charges. Cash Withdrawals (including online) gambling such as placing a bet, buying lottery tickets, buying gaming chips and spread betting, travellers cheques or foreign currency, getting cash from an ATM machine or over the counter. Providing the security details as required by the instructions on the ATM, online or at the counter. Balance transfers You make a balance transfer by asking us to send a payment from your account to reduce or repay an amount you owe to another lender. You make a money transfer by asking us to send a payment from your account to a current account in your name. We can limit the number of balance or money transfers you make or only allow them up to a proportion of your credit limit. You may not make a balance transfer or money transfer from or to an account outside the UK. We will ensure that the amount of the payment will be credited to the other lender or to your current account by the end of the working day after you have requested the balance transfer or money transfer. We will tell you about any fees payable. If the payment does not arrive by the working day after you have asked us to make it, if you ask us, we will contact the bank to whom we sent the payment and ask them to treat the payment as if it had been made on time. If we make a mistake, for example, if we send the transfer to the wrong place, we will refund your account straightaway and will take off any interest and charges which we may have added to the account as a result of that transaction. After we have processed a balance or money transfer you cannot cancel it and we will not refund any fee, unless you are able to withdraw from the agreement. Money transfers Can you stop payments you have authorised? You can cancel payments that are due to be made on a future date (for example, if you set up a regular payment) by contacting us by the end of the business day before the payment is due to be made. You must also contact the retailer to tell them you have cancelled the payment. You cannot cancel any other transaction after you or an additional cardholder have authorised it (for example, it is not possible to cancel a purchase or cash transaction at the time of payment). In certain circumstances you can ask for a refund. When can you claim a refund for a payment you have authorised? Where you, or an additional cardholder, authorise a payment but the amount of the payment is not known (e.g. if the card is used to pay a hotel xxxx but the amount of the payment is not known until check out) then, if the payment charged to your account is higher than reasonably expected, you can ask us to make a refund of the amount charged to your account, provided you do this within 8 weeks of the date that the payment was charged to your account. If you do this, we may need to ask you for information to help us find out what happened. If you are entitled to a refund, we will make it within 10 days of the date that we have all the information we need to make a decision. You can’t ask for a refund if we or the retailer have provided you with information about the transaction at least 4 weeks before your payment is due and you or the additional cardholder gave consent for the transaction directly to us. If a retailer gives you a refund for a purchase we will only credit it to the account when we receive details from the retailer. We may treat this refund as a payment to your account. If you give us the wrong details for a balance transfer, money transfer or other cash transaction, or we can show that the bank we made the payment to did receive it, we won’t have to give you a refund but we will help you to recover the money (we may charge a fee to cover our costs). What happens if you think there is a transaction on your account that you have not authorised? If the card, card number and PIN, biometric data or other security details have been used we will assume the transaction has been authorised by you (or an additional cardholder). It is important you tell us straightaway by using the contact details set out below (see How you can contact us) if you do not think a transaction charged to your account and shown in your statement was made by you (or an additional cardholder). If you, or an additional cardholder, allow someone else to use a card or the card number, you will be liable for all transactions they make until you tell us that the card may be misused. You will not be liable for (and we will refund) any other transactions not authorised by you or an additional cardholder, including transactions made with the card or card number remotely (for example online, phone or mail order). We will refund the unauthorised transaction as soon as we can and in any event by the end of the next working day. Where do you find out about payments made to and from your account? Your statement will show all the transactions added to your account since the last statement. If you have a zero balance and your account has not been used since your last statement date, we won’t provide a statement until after the next time your account has been used. If you have agreed to this, we will make your statements and other notices (for example notices of variation, notices of sums in arrears and notice of default sums) available to you electronically in a printable and/or downloadable format in the online account manager and/or we will send them to the most recent email address that we have for you. You must let us know of any changes to your email or other address via the customer area at our secure online address. If we send statements and other notices by post we will send them to the most recent postal address we have for you. You may let us know at any time that you would prefer to receive statements and other notices electronically by updating your preferences online, or by calling us. We may choose to supply you with a paper statement. You must make the contractual minimum payment due each month even if you do not receive a statement for any reason or have not accessed your statement online. In these cases you must contact us to find out the contractual minimum payment due that month. Even if you do not receive a statement we will still charge interest and fees as applicable on the balance of your account. You must check your statement and must tell us as soon as possible if you think the statement is wrong or if you do not receive a statement when you expect one, or if you cannot access your online statement. What steps do you need to take to keep your account secure? You must: • take all reasonable precautions to prevent the account from being used for fraud; • tell us immediately using the contact details below (see How you can contact us) if you think the card is lost or stolen or the card number, PIN or security details may be used by someone else or fraudulently (if you find a card you have reported as lost you must destroy it and not use it); and • co-operate with us and the police to investigate any unauthorised transactions. Can we refuse to authorise a transaction, suspend your account or decrease your credit limit? We may refuse to authorise a transaction or reissue a replacement card, or we may cancel or suspend your use of the account or reduce your credit limit if not doing so would put us in breach of any legal requirements that apply to us or we reasonably: • believe that there is an increased risk that you may not be able to repay the amount you owe us (this could be because of the way you manage this account or other accounts you have with us, information we get from credit reference agencies or us finding that you are bankrupt or have made an arrangement with your creditors, or because you have not been making sufficient payments to your account and we reasonably believe that you may be in financial distress); • suspect fraudulent or unauthorised use of the account; • consider it necessary for the security of the account or card; • suspect that you, any additional cardholder or third party has committed or is about to commit a crime or other abuse in connection with use of the card or the account; • consider you have not been using your account regularly. We may also decrease your credit limit if we consider that your current limit is not affordable for you. We will tell you as soon as possible (see How we will contact you) if we decide to refuse to make a balance transfer or a money transfer but, for other transactions, you will usually find out if we have refused a transaction because you will be asked for payment by another card, cheque or cash. We will tell you why we have refused the transaction (unless the law prevents us) if you call the contact details below. We are not responsible if a retailer or supplier refuses to accept your card. If we suspend your account, you can ask us to lift the suspension if the reason for us suspending the account no longer exists but before this happens we may refuse to give you a new card or card number. You must give us clear and accurate payment instructions or we may not be able to carry out the transaction. If you go over your cash limit, we will stop you withdrawing any more cash until you are under the limit again. Using a third party provider (TPP) A TPP is a third party service provider that is authorised or registered with the Financial Conduct Authority or another European Economic Area regulator or otherwise permitted by law to carry on certain activities on your instruction. These include: • accessing information about your account held with us if it is accessible online; and • initiating payments from your account held with us if it is accessible online. If you use a TPP, the terms of this agreement will still apply. If a TPP is only asking for information about your account (and is not initiating a payment from your account with us), we will assume you have given your consent to us providing the information to that particular TPP and we will provide the information immediately. If the TPP is a card issuer who asks us to confirm whether you have sufficient credit for it to initiate a card payment from your account, we will only do so if you have given us your explicit consent to provide information to that particular TPP.

Instalment Plans. An instalment plan allows you to pay for a new purchase or all or part of your balance by paying a certain number of fixed monthly instalment payments. You may be able to set up an instalment plan when you make a purchase online using your card or by going to online account manager. We will let you know if you can do this. We will let you know what the monthly instalment payment is before we set up the plan. We will work this out by taking the purchase or balance that you are considering putting into the plan, calculating the interest that will be due and then working out how much you will need to pay each month over the period you have chosen. The monthly instalment payment for each of the instalment plans you have set up will then be shown in your statement. The number or amount of a monthly instalment payment may be reduced or increased to reflect refunds and overpayments or late payments. You cannot change an instalment plan once we have set it up. You may cancel an instalment plan by contacting us. If you cancel an instalment plan, the balance will become part of your standard purchase balance. See How much do you have to pay each month? and What interest rates and fees do you have to pay? for more information about instalment plans. Travel Money If we tell you that you can buy travel money with your card, you will be charged interest at the standard purchase rate when you buy foreign currency at any Debenhams store in the UK. How do you authorise transactions? When you make (or any additional cardholder makes) a transaction you must authorise it before we can add it to your account. No-one else may use your card. Ways you can use your account How do you authorise transactions? Paying for goods and services at a supplier when you are present e.g. in a shop The supplier will tell you what steps are needed to authorise payment. This could be by signing, by using the PIN we give you to use with your card, biometric data (such as fingerprint) or other security details we may tell you about. You may be able to use your card contactlessly by presenting your card to the contactless reader. You may be asked for other security details after you have made a certain number of contactless transactions. Paying for goods and services at a supplier when you are not present e.g. online Using your card number and/or other information requested by or on behalf of the person you are paying, for example a security number, passcode or password. Making regular, for example monthly, payments to a supplier. This could be for gym membership or TV packages or insurance Provide your card details to the supplier. It is important to remember that if you want to cancel the payment you must let us know this. You may withdraw your authorisation at any time up to the end of the business day (3pm Monday- Friday except English Bank Holidays) before the recurring transaction or other regular payment is due to be paid. We will use our best efforts to stop these transactions from being charged to your account but as the supplier initiates these transactions you should let the supplier know that they should stop doing this. If a regular payment is taken from your account after you have withdrawn your authorisation, we will refund the amount, together with any related interest and charges. Cash Withdrawals (including online) gambling such as placing a bet, buying lottery tickets, buying gaming chips and spread betting, travellers cheques or foreign currency, getting cash from an ATM machine or over the counter. Providing the security details as required by the instructions on the ATM, online or at the counter. Balance transfers You make a balance transfer by asking us to send a payment from your account to reduce or repay an amount you owe to another lender. You make a money transfer by asking us to send a payment from your account to a current account in your name. We can limit the number of balance or money transfers you make or only allow them up to a proportion of your credit limit. You may not make a balance transfer or money transfer from or to an account outside the UK. We will ensure that the amount of the payment will be credited to the other lender or to your current account by the end of the working day after you have requested the balance transfer or money transfer. We will tell you about any fees payable. If the payment does not arrive by the working day after you have asked us to make it, if you ask us, we will contact the bank to whom we sent the payment and ask them to treat the payment as if it had been made on time. If we make a mistake, for example, if we send the transfer to the wrong place, we will refund your account straightaway and will take off any interest and charges which we may have added to the account as a result of that transaction. After we have processed a balance or money transfer you cannot cancel it and we will not refund any fee, unless you are able to withdraw from the agreement. Money transfers Can you stop payments you have authorised? You can cancel payments that are due to be made on a future date (for example, if you set up a regular payment) by contacting us by the end of the business day before the payment is due to be made. You must also contact the retailer to tell them you have cancelled the payment. You cannot cancel any other transaction after you or an additional cardholder have authorised it (for example, it is not possible to cancel a purchase or cash transaction at the time of payment). In certain circumstances you can ask for a refund. When can you claim a refund for a payment you have authorised? Where you, or an additional cardholder, authorise a payment but the amount of the payment is not known (e.g. if the card is used to pay a hotel xxxx but the amount of the payment is not known until check out) then, if the payment charged to your account is higher than reasonably expected, you can ask us to make a refund of the amount charged to your account, provided you do this within 8 weeks of the date that the payment was charged to your account. If you do this, we may need to ask you for information to help us find out what happened. If you are entitled to a refund, we will make it within 10 days of the date that we have all the information we need to make a decision. You can’t ask for a refund if we or the retailer have provided you with information about the transaction at least 4 weeks before your payment is due and you or the additional cardholder gave consent for the transaction directly to us. If a retailer gives you a refund for a purchase we will only credit it to the account when we receive details from the retailer. We may treat this refund as a payment to your account. If you give us the wrong details for a balance transfer, money transfer or other cash transaction, or we can show that the bank we made the payment to did receive it, we won’t have to give you a refund but we will help you to recover the money (we may charge a fee to cover our costs). What happens if you think there is a transaction on your account that you have not authorised? If the card, card number and PIN, biometric data or other security details have been used we will assume the transaction has been authorised by you (or an additional cardholder). It is important you tell us straightaway by using the contact details set out below (see How you can contact us) if you do not think a transaction charged to your account and shown in your statement was made by you (or an additional cardholder). If you, or an additional cardholder, allow someone else to use a card or the card number, you will be liable for all transactions they make until you tell us that the card may be misused. You will not be liable for (and we will refund) any other transactions not authorised by you or an additional cardholder, including transactions made with the card or card number remotely (for example online, phone or mail order). We will refund the unauthorised transaction as soon as we can and in any event by the end of the next working day. Where do you find out about payments made to and from your account? Your statement will show all the transactions added to your account since the last statement. If you have a zero balance and your account has not been used since your last statement date, we won’t provide a statement until after the next time your account has been used. If you have agreed to this, we will make your statements and other notices (for example notices of variation, notices of sums in arrears and notice of default sums) available to you electronically in a printable and/or downloadable format in the online account manager and/or we will send them to the most recent email address that we have for you. You must let us know of any changes to your email or other address via the customer area at our secure online address. If we send statements and other notices by post we will send them to the most recent postal address we have for you. You may let us know at any time that you would prefer to receive statements and other notices electronically by updating your preferences online, or by calling us. We may choose to supply you with a paper statement. You must make the contractual minimum payment due each month even if you do not receive a statement for any reason or have not accessed your statement online. In these cases you must contact us to find out the contractual minimum payment due that month. Even if you do not receive a statement we will still charge interest and fees as applicable on the balance of your account. You must check your statement and must tell us as soon as possible if you think the statement is wrong or if you do not receive a statement when you expect one, or if you cannot access your online statement. What steps do you need to take to keep your account secure? You must: • take all reasonable precautions to prevent the account from being used for fraud; • tell us immediately using the contact details below (see How you can contact us) if you think the card is lost or stolen or the card number, PIN or security details may be used by someone else or fraudulently (if you find a card you have reported as lost you must destroy it and not use it); and • co-operate with us and the police to investigate any unauthorised transactions. Can we refuse to authorise a transaction, suspend your account or decrease your credit limit? We may refuse to authorise a transaction or reissue a replacement card, or we may cancel or suspend your use of the account or reduce your credit limit if not doing so would put us in breach of any legal requirements that apply to us or we reasonably: • believe that there is an increased risk that you may not be able to repay the amount you owe us (this could be because of the way you manage this account or other accounts you have with us, information we get from credit reference agencies or us finding that you are bankrupt or have made an arrangement with your creditors, or because you have not been making sufficient payments to your account and we reasonably believe that you may be in financial distress); • suspect fraudulent or unauthorised use of the account; • consider it necessary for the security of the account or card; • suspect that you, any additional cardholder or third party has committed or is about to commit a crime or other abuse in connection with use of the card or the account; • consider you have not been using your account regularly. We may also decrease your credit limit if we consider that your current limit is not affordable for you. We will tell you as soon as possible (see How we will contact you) if we decide to refuse to make a balance transfer or a money transfer but, for other transactions, you will usually find out if we have refused a transaction because you will be asked for payment by another card, cheque or cash. We will tell you why we have refused the transaction (unless the law prevents us) if you call the contact details below. We are not responsible if a retailer or supplier refuses to accept your card. If we suspend your account, you can ask us to lift the suspension if the reason for us suspending the account no longer exists but before this happens we may refuse to give you a new card or card number. You must give us clear and accurate payment instructions or we may not be able to carry out the transaction. If you go over your cash limit, we will stop you withdrawing any more cash until you are under the limit again. Using a third party provider (TPP) A TPP is a third party service provider that is authorised or registered with the Financial Conduct Authority or another European Economic Area regulator or otherwise permitted by law to carry on certain activities on your instruction. These include: • accessing information about your account held with us if it is accessible online; and • initiating payments from your account held with us if it is accessible online. If you use a TPP, the terms of this agreement will still apply. If a TPP is only asking for information about your account (and is not initiating a payment from your account with us), we will assume you have given your consent to us providing the information to that particular TPP and we will provide the information immediately. If the TPP is a card issuer who asks us to confirm whether you have sufficient credit for it to initiate a card payment from your account, we will only do so if you have given us your explicit consent to provide information to that particular TPP.