Forward - the credit card that can help you build your credit rating

If you decide to apply, please make sure you read the information below carefully. It tells you what you need to do to keep your 0% interest rates and what happens when your 0% interest offer ends.

• To benefit from the balance transfer offer it needs to be taken out within 60 days of opening the account.
• The 6 month balance transfer period starts from the date the account is opened. That means if, for example, you don’t take it out for 60 days you’ll have 2 months less of the 0% rate.
• This offer is only available for new customers and Barclaycard reserves the right to withdraw this offer at any time.
• The minimum you can transfer is £250 across up to five balance transfers. The maximum transfer will be 90% of your credit limit. You can’t make a transfer from any other Barclaycard or our partner cards.
• When your 0% offer ends, you’ll be charged interest at your standard rate for anything new you buy and for any outstanding balance on your card.

Here’s what you need to know about how to get ta reduction in your interest rate over the first couple of years.

• We’ll reduce your cash and standard rate in the first two years as long as you stay within your credit limit and make at least your minimum payments on time. The rate reduction will be 3% in the first year and 2% in the second.
• If you don’t qualify in the first year but qualify in the second year you will get a reduction of 3% in that year.
• The rate reduction starts from the date you receive your statement on the anniversary month of when you open the account.
• Your interest rates will move up and down in line with changes to the Bank of England Base Rate. This means that if your rates go up or down due to a Base Rate change then any Price Promise reduction you will get will be applied to that new higher or lower rate.
  
  Making minimum payments

• Making minimum payments could help you get a rate reduction but remember the longer you take to pay off your balance, the more interest you’ll end up paying. Just by paying a little more each month, you could clear your balance sooner than you think, and pay less interest.