Credit Card: Additional Terms

This agreement is made up of two parts – the Credit Card Agreement and the Additional Terms. You’ll need to read both parts, and together they form your agreement with us. You can ask us if you don’t understand anything. Please keep this document safe in case you need to refer to it.

These Additional Terms should be read alongside the Credit Card Agreement. Together, they form your agreement with us.

You should read this document carefully and make sure you understand it.

1. Getting in contact

You can get in touch with us through the app or online at chase.co.uk/gb/en/support/contact-us/.   

If you need to send a document to us, you can upload it through the app.

If we need to get in touch with you, we'll message you or call you by phone. We may also use emails or the post to contact you. We aren’t responsible if you don't get information or notices from us because we’ve used out-of-date contact details. That's why it's really important that you tell us as soon as possible if your contact details change and that you check your emails regularly.

We’ll notify you whenever we upload new documents to the app. Always remember: when we speak with you, we’ll never ask you to give us your PIN or password.

2. Your credit card and account

We’ll provide you with a card after opening your credit card account. Your credit card account is the account you can use to borrow money from us. Once we’ve opened and activated your account, you’ll be able to use it to make transactions.

You can find details of how to make transactions in the section ‘Using your credit’ in these Additional Terms.

This credit card is only available to Chase UK current account holders. You will need to keep your Chase current account open whilst you have this credit card account with us.

3. How do we charge interest?

Your interest rates are set out in your Credit Card Agreement.

When we charge interest

We calculate interest daily based on the total amount you owe. We add together all the daily interest amounts in each statement period and add the total to your balance on your statement date each month. This interest forms part of your outstanding balance, and you will have to pay interest on interest (this is known as compound interest).

When we won’t charge interest

We won’t charge any interest on any default charges.

We also won’t charge interest on any purchases made during your latest statement period if you pay off your full statement balance (excluding any balances on a 0% promotional rate) by the payment due date and you have also paid - in full - your previous month’s balance (excluding any balances on a 0% promotional rate) by the payment due date.

All cash withdrawals will start incurring interest from the date they’re added to your account to the date you pay them off.

We know this can be complicated, so here are a few examples of how it might work in practice:  

Example 1: You pay the balance in full every month

If you pay your May balance in full, then make a purchase in June, we won’t charge interest on the purchase in June – provided you also pay your June balance in full.

Example 2: You start paying in full

If you make a purchase in September and pay less than the full balance shown on your September statement, then make another purchase in October, we’ll charge interest on both purchases from the date we added each to your account – even if you pay your October balance in full.

Don’t forget that trailing interest can also apply

It’s important to remember that even if you don’t use your account at all after a statement date, we might still charge you ‘trailing interest’.  

We will charge you trailing interest on your outstanding balance for the dates between your statement date and the date you pay off your balance.  The trailing interest will be shown on your next statement.

4. How much do you have to pay each month and when?

How much you have to pay

We’ll give you a statement each month showing the minimum payment you’ll need to pay that month.  But we may not give you a statement if you don’t need to make a payment.

We explain below how we work out the amount of your minimum payment.

It’ll be the highest amount from the two options below:

• Rounded up to the nearest pound, the total amount of:

(a) interest added to the account since your last statement; plus

(b) any fees and charges added to the account; plus 

(c) 2.5% of the rest of the amount you owe (excluding any transactions we are investigating).

• £5.

The amount you owe will be shown in your monthly statement.

If you owe less than £5 you’ll need to pay the full amount. So, if you owe £3.50, that’ll be your minimum payment.

If you have previously missed a payment or not paid your minimum payment in full, your next statement will ask you to pay any overdue amounts as well as your minimum payment for the next month.

The full amount you owe is £468 (including interest and charges). That’s made up of:

Based on that, your minimum payment would be A - £30 – because that’s the highest amount of the two options:

Please remember that the minimum payment is just that – the ’minimum’. You can always pay more than that to reduce the amount of interest you have to pay. You can repay all or part of your balance at any time.

You must not pay us more than you owe when you make payments to your account, or transfer funds from another credit card if this creates a positive balance on your account. If there is a positive balance on your account, we may apply it to any recent transactions not yet shown on your account, or to transactions made after the date your account goes into credit.

We may also decline or return any positive balance to the account from which the money has been sent or pay the funds into an account you hold with us. We do not pay interest on any positive balances or take them into account for the purpose of any loyalty or reward schemes we might offer.

If you’re on a repayment plan

We know that sometimes things can happen in life which make it harder to repay what you owe us. If you’re having trouble making payments, please contact us. We’ll try to help you find a way to repay what you owe in a more manageable way – including moving you on to a repayment plan.

If you move to a repayment plan, we’ll let you know the details of the repayment plan before you move on to it, including what you’ll need to pay and by when.

When you need to pay

You’ll need to make sure the minimum payment gets to us by the due date shown in your statement. This will normally be 25 days from your statement date. You can find out more information about how to make sure payments get to us on time on your monthly statement.

We suggest that you set up a monthly regular repayment from another account you have with us. You can choose how much you want to pay each month, as long as it’s not less than the minimum payment. You can find out how much we’ll collect and when on your monthly statement.

If your regular repayment doesn’t cover your statement balance in full, you can choose to make additional one-off payments to us at any time. By paying off more of the statement balance, you will reduce the amount of interest you have to pay.

You must repay the following straight away:

• the total amount of any missed minimum payments; and
• anything you owe above the credit limit.

How do we apply payments?

We apply your payments in a certain order if the amount you pay in a month is less than the full amount you owe.

We use your payments to clear any overdue amounts before we apply them to your latest minimum payment.

We will reduce the amount you owe in the following order:

• Any overdue interest, fees and charges;
• any interest, fees and charges added to the account since your last statement;
• remaining balance on your statement according to the interest rate, starting with the highest rate first, and
• any transactions, interest, fees or charges that haven’t yet been included in your statement.

Sometimes, amounts are charged at the same interest rate. If that’s the case, we’ll usually apply payments to pay off in the following order:

1) Cash transactions

2) Purchases

If you have more than one type of balance where we charge you the same promotional interest rate, we’ll first apply your payments to the promotional interest that ends earliest – so you reduce the balance you pay.

We may apply your payments differently if you are in persistent debt. You will be in persistent debt if you have paid more in interest, fees and charges than you have paid towards paying back the amount you’ve borrowed over the previous 18 months.

Refunds, cashback and credit adjustments to your account between the statement date and your payment due date will reduce your overall balance. But they will only count towards your minimum payment for that month if they reduce the balance to less than that minimum payment amount. If this happens, and you have not yet paid your minimum payment, we will reduce the minimum payment needed so that it equals any full remaining balance.

Below is an example of how this might work in practice:

An example

If you have a balance of £100, and:

• the minimum payment we ask you for in your statement is £25, and
• there is a refund to your account of £50 between your statement date and your payment due date (or your regular repayment date, if earlier)

then we will still require you to pay the full minimum payment of £25.

Payments you make

We do not treat payments as ‘received’ until they reach us in cleared funds. You may need to allow extra time for clearance if, for example, you pay using a cheque or similar method of payment. Your statement will tell you what your minimum payment is.

5. What could happen if you miss payments?

If you miss payments, we may require you to repay the amount you owe immediately.

We will also disclose information about the way you’ve used your credit card, including information about missed payments, to credit reference agencies. This may make it more difficult or expensive for you to borrow in the future.

It could also mean that legal action or bankruptcy proceedings could be taken against you to get back any money you owe under this agreement. That could include getting a court order, giving us the right to payment out of the money from the sale of your home or other properties you may own.

6. Our fees and charges

We charge the following default charges if you break this agreement:

We may also charge you reasonable costs for enforcing this agreement, for example, court costs, tracing costs and third-party collection costs.

If you or we have given notice to close the account and end your agreement, we may still apply these fees and charges until you have repaid the full outstanding balance.

7. Changing these terms

As this agreement has no fixed end date and could last a long time, we may need to change its terms occasionally.

What can we change?

We can change (including introducing new):

• interest rates (see your Credit Card Agreement for details);
• fees or charges; and
• any other term in this agreement (such as your minimum payment).

We can’t change terms that we tell you are fixed, such as interest rates fixed for a set period.

Reasons why we might make a change

We may make changes for any of the following reasons:

• a change in the cost of providing our accounts, including changes in our funding costs;
• a change in law or regulation that applies to us;
• a change to our business, such as to the way we manage the account because of new technologies ;
• other changes that affect us if it’s reasonable for us to pass the effect of that change on to you.

We can’t predict precisely why we might need to make changes to this agreement when we enter into it with you. That means we may also make changes for reasons that aren’t covered here.

Any change will be a reasonable and proportionate response to a change that is affecting us, or that we reasonably think will affect us.

Reasons why we might make a change that are personal to you

We can also make changes if our view of your ability to repay us changes. This might be due to reasons that are personal to you, such as because of:

• information from credit reference agencies about your financial status 
• the way you manage your accounts. For example, where you often pay us or another lender late or exceed your credit limit
• the types of transaction you make. For example, if you make unexpectedly high cash withdrawals or large gambling transactions which could indicate riskier behaviour.

We will not increase your interest rate if we know you are at risk of financial difficulties.

How and when we will tell you about changes to this agreement and your rights when we do

We’ll tell you in writing about any changes. The information below shows when we will tell you about different changes, and when you can close your account if you don’t agree with the change.

A reduction to your credit limit based on an assessment of risk or your ability to repay

• When will we tell you? We have the right not to give you any notice, however we might choose to give you up to 7 days’ notice
• Can you reject the change?  No, but you can close your account and pay off your balance at any time. See more details in the section ‘Ending this agreement and closing your account’ below.

A change that is not to your disadvantage

• When will we tell you? At least 7 days before the change
• Can you reject the change? No, unless you close your account and pay your balance off before the change takes effect. See more details in the section ‘Ending this agreement and closing your account’ below.

A change that is to your disadvantage (except interest rate changes)

• When will we tell you? At least 30 days before the change
• Can you reject the change? No, unless you close your account and pay your balance off before the change takes effect. See more details in the section ‘Ending this agreement and closing your account’ below.

8. Can you make a claim against us when you have a claim against a supplier?

If you buy any products or services that cost between £100 and £30,000 using credit under this agreement, you could have a right to claim against us as well as the supplier. That right could apply, for example, if the product you bought didn’t arrive or, when it did, it was faulty or wasn’t as the seller described.

But, if you have a dispute with either us or a supplier over a transaction, you must keep making payments to us while it is being resolved.

9. Your credit limit

Your monthly statement shows your credit limit. You can only borrow up to your credit limit – no more. But you cannot use more than 95% of your credit limit for any balance transfers and money transfers (if they’re available on your account).  

We may also apply:

• limits on how much of your credit limit you can use for cash or cash related payments; and/or
• spending limits, such as a daily limit on the amount you can withdraw in cash from your account, as well as transaction limits.

You can ask us what these limits are.  

We may change your credit limit in the future. For example, we may tell you that a higher credit limit is available to you. You can also ask us to consider giving you a higher credit limit. If we do increase your credit limit, we’ll always tell you first and give you 30 days’ notice – unless you’ve asked for the increase yourself.

We may also reduce your credit limit. You can find details on when we might do this in the section ‘Changing this agreement’ of these Additional Terms. We can also suspend your ability to use your card if we’re concerned about your ability to repay. You can find details on when in the section ‘When we may refuse to authorise a payment or transaction or stop the use of your card’ below.

You can get in touch to tell us how you want to manage your credit limit as well. You can tell us:

• If you’d like a lower credit limit (although we may require a minimum limit);
• If you don’t want to receive any future credit limit increases; or
• never to increase your credit limit without checking with you first.

You can change your mind at any time.

A higher credit limit might offer you greater flexibility, and might also be an easier way to meet your financial needs. However, there might be a greater risk that you’re borrowing too much, which could cost a lot or take longer to pay off. You should think carefully about whether you need a higher limit.

You mustn’t go over your credit limit. If you make a transaction that takes your account over your limit, you must immediately repay the amount over the limit.

We won’t offer you credit limit increases if we are concerned about your ability to repay.

10. Security

Your security is our priority, so we'll do all we reasonably can to prevent unauthorised access to your account and make sure it’s safe and secure. If we suspect any security or fraud issues with the account, we'll contact you as soon as we can in the most secure way. Remember, we will never ask you to tell us your PIN or password.

What we need you to do

Security credentials and payment devices are key to keeping your money and information safe:

• A security credential is a password, PIN, passcode, memorable information, biometric or other information which we've given you or you've set up to use with your payment device, the app or when you contact us
• A payment device is a card, the app, phone or another device that you can use (usually with security credentials) to make payments, give us other instructions or view information about your account

To make sure the account isn't accessed by an unauthorised person, you must keep your security credentials and payment device safe. Here are just a few security tips to get you started.  

Don’t:

• tell anyone your security credentials or write them down without disguising them;
• set up security credentials that can be easily guessed by anyone else (the less obvious the better!); or
• log in, or stay logged in, to a payment device if you're not in full control of it or it's not in your possession.

Do:

• review your security credentials regularly to check they are still appropriate; and
• update the app regularly (depending on the update, you may not be able to login if you haven't done this).

If you lose (or someone takes) your security credentials or payment device, or if you think someone else has accessed the account, you must contact us as soon as possible.

We'll ask for information or other help, and we may assist (and ask you to assist) in any police investigation.

11. Who can use the account and how

The account is for your personal use only. It’s not to be used for a business.

You’ll be able to do several things once your account is open, including:

• make purchases; 
• get cash or make a cash-related payments;  
• send a balance transfer or money transfer (if they’re available on your account); and
• any other use that we allow.

You can ask us if you want to check whether a particular type of transaction can be made on your account.   

We may send you another card as a replacement or extra cards at any time. It may have different features from your existing card, including a different number, branding or card scheme. We might also send you another card or upgrade your account to give you extra benefits.

A payment you ask us to send (such as a balance transfer or money transfer, if they’re available on your account) normally arrives by the working day after we send it from your account. If it doesn’t, you can ask us to contact the receiving bank. We’ll ask them to treat the payment as if it had been made on time. A payment might be delayed if we need to do additional checks on it.

12. Using your credit

You will need to authorise a transaction before we can charge it to your account. To do that, you’ll need to use the card or the card number. You’ll be told about any extra steps you need to take to authorise the transaction. These could include signing a paper or electronic document, using your PIN, biometric data (such as a fingerprint) or other security details we agree you can use.

If your security credentials are used with your payment device, we'll assume we're dealing with you and will make payments and other transactions, give access to information and do anything else on your account that we’re asked to do. Apart from small contactless payments and certain other payments we're allowed to make without applying our usual checks, we won’t do any of these things if your security credentials aren't used with a payment device.

You mustn’t use the card or account for anything illegal (or allow anyone else to).

When we’re assessing if a transaction you want to make is within your credit limit, we’ll include transactions we’ve already authorised but haven’t charged to the account. For example, you have £250 left within your credit limit and we give a car rental company authorisation for a payment of £200. We may not allow more than £50 to be spent on other things until the authorisation is cancelled.

If you allow someone else to use a card or the card number, you’ll be responsible for any transactions they make up until you tell us that the card may be misused. You should tell us straight away using the contact details in this agreement.

You won’t be responsible for any other transactions you haven’t authorised. That includes transactions made with the card or card number remotely, such as over the internet, phone or by mail order. We’ll refund those straight away.

Changing or stopping payments you’ve authorised

You can change or stop payments you’ve authorised to be made on a future date, such as regular card payments, if you let us know by 11.59pm on the day before we are due to make the payment.

If you change or cancel a regular card payment with us, you should also tell the organisation or company that collects the payment so they can cancel or change it (as well as any payments to be made on a future date) as well. If for some reason a regular card payment you've cancelled is still collected, we'll treat the payment as unauthorised and give you an immediate refund.

You can’t cancel any other transaction after it’s been authorised, including those initiated by a third-party provider (see more details on this in section ‘Using third parties’). You can’t, for example, cancel a cash withdrawal or payment for a product or service you receive at the time you make the payment.

Transactions in a foreign currency

If you make a transaction in a currency other than pound sterling, it will be converted to pound sterling using MasterCard’s exchange rate. Mastercard will convert the amount into pound sterling using their exchange rate on the day they process the payment (which may not be on the date the payment was made). You can find the Mastercard exchange rates we use by visiting the ‘Manage card’ section of the Chase app. Mastercard's exchange rates change daily – you can find the actual rate used on your statement.

You can also find out how the cost to you of making the transaction within the EU compares to the euro foreign exchange rates issued by the European Central Bank by visiting the ‘Manage card’ section of the Chase app.

13. Repaying what you borrow

All payments you make to us must be in pound sterling, cover at least your minimum payment and arrive by the payment due date every month. Your monthly statement will tell you exactly how and when to make payments so they reach us on time.

If you decide to pay by setting up a regular repayment, we may:  

• increase your regular repayment if it’s not enough to cover your minimum payment, for example if you usually pay a fixed amount or percentage
• increase your regular repayment to collect any missed payments that have not been paid
• increase your regular repayment to collect any overlimit amount  
• reduce your regular repayment if your balance is lower than the payment to avoid putting your account into credit

Your monthly statement contains the date that your regular repayment is due to be taken. These will usually be taken in full, even if you make any additional payments during the month. However, we won’t do this in certain circumstances, for example, if we’ve made changes to the way your account works because you are in financial difficulty.

14. Statements

We’ll provide you with a statement each month that there’s been activity on your account, a payment is required or if you owe us anything at your statement date. We may also provide a statement to give you certain information. For example, the statement might include notices that we must give you by law. These notices could be about overdue payments, default fees that have been added to your account, or a change that we need to make to this agreement.

The statement shows the balance from your previous statement, activity on your account since that statement and the balance owed at your statement date.

It is important that you check your statements and any other information we provide with them. You should tell us as soon as possible if your statement seems wrong or if you did not receive one.

15. Refunds for payments you’ve authorised

You can ask us for a refund for a payment if you didn’t agree the exact amount and it was higher than you reasonably thought it would be. For example, if your card is used to pay a hotel bill but you didn’t know the exact amount of the payment until check out. You’ll need to ask us for a refund within eight weeks of the payment being charged to your account. We may ask for more information we reasonably need when we look into it. We may need to look into whether you could’ve reasonably expected what the actual amount would be. We’ll consider how you normally spend and the facts surrounding your purchase. There are certain situations where you won’t be entitled to a refund:

• if you agreed the payment directly with us 
• if we or the seller made information available to you about the amount at least four weeks before you paid

Whether we issue a refund or not, we’ll let you know what’s happening and why. We’ll do this within ten days either of your claim date or the date we get the information we’ve asked for.

We won’t give you a refund if you give us the wrong details for a payment or cash-related payments, or if we’re able to show that the bank we made the payment to received it. If this happens, we’ll help you to recover the money, but we may charge a fee to cover our costs.

If a seller refunds a purchase you’ve made, we’ll only credit it to the account when we receive details from that seller. Until then, we’ll charge interest on the purchase at the rate that applies to your account.

16. Mistakes

If we pay money into your account by mistake for any reason, we'll take it back as soon as we realise we're at fault.

If we're told that a payment was paid into your account by mistake (for example because someone used the wrong account details), we’ll let you know. If you tell us it wasn’t a mistake, we won’t return it but we're legally required to share all relevant information we hold with the paying bank, if it asks us for this. This is so that the payer can try to get the payment back from you directly. The information we share will include your name and address along with information about the payment.

17. When we may refuse to authorise a payment or transaction or stop the use of your card

We may cancel or suspend use of the card, refuse to replace or reissue a card, or refuse to authorise a payment or transaction (even if you’re within your credit limit) if we reasonably consider it necessary for any of the following reasons:

• it would be contrary to a legal or regulatory requirement that applies to us or any group company; 
• it could expose us to action from any government, regulator or law enforcement organisation; 
• it would cause a breach of this agreement; 
• because the risk of you not paying any current or future balance on your account has significantly increased; 
• we’re concerned about fraud or unauthorised use of the card or account; 
• we’re concerned about criminal use of the card or account, or some other type of abuse, whether by you or someone else;
• you have gone over or would go over your credit limit or any other limit applying to the payment or transaction in question;
• you haven't given us all the information we need to make the payment or transaction or we know the information you've given us is incorrect; 
• we can't make the type of payment or transaction you want to make; 
• we reasonably believe you haven't authorised a payment or transaction or that your account isn't secure; or
• we have told you that we do not allow that type of payment or transaction.

We’ll also refuse to authorise a transaction if we have a reason to believe it’s for gambling or cryptocurrency. However, we won’t be responsible if you suffer any loss because we haven’t refused a gambling or cryptocurrency transaction. This could be, for example, because it was made offline or we weren’t able to identify it as a gambling or cryptocurrency transaction.

We may not always be able to give advance notice of the cancellation, suspension or refusal. If we suspend use of a card for one of the reasons listed above, we will let you use it again once we are satisfied the reason no longer applies.

We’ll tell you if we refuse to make a balance transfer or a money transfer (if they’re available on your account), unless the law prevents us. For any other transaction, you’ll usually find out we have refused it because the merchant will ask you to pay by another method or you won’t be able to make the cash withdrawal when you attempt to. If this happens and you contact us, we will tell you why we have refused the transaction unless the law prevents us.

A merchant may be unable to immediately tell you a transaction has been refused. You can contact us to check a transaction or (unless the law prevents us telling you) to find out why we have refused one. We can then tell you whether you can take any steps to fix the problem.

We are not responsible for any loss if a merchant or supplier refuses to accept your card. We are also not responsible if, for the reasons set out above, we refuse to process a transaction or delay in doing so, or we suspend use of your card.

We may also cancel or suspend the use of your account:

• if you’ve been in ’persistent debt’ for two 18-month periods in a row; 
• if we’ve asked you to increase the amount you’re repaying and you either a) haven’t been able to or b) haven’t got back to us; or
• if it would otherwise be reasonable for us to.

You can also set controls through the app on the amount or type of payments you can make. We'll do all we reasonably can to apply the controls you've set (e.g. to prevent you making particular types of payments), but sometimes this may not be possible. For example, if we can't identify the payment type in question.

18. When we might refuse a payment into your account

We won't accept a payment into your account if we have good reasons not to. For example, we won’t accept a payment if we reasonably believe that:

• it might be contrary to a legal or regulatory requirement that applies to us or any group company; or
• there is fraud or criminal activity on your account.

19. Using third parties

What is a third-party provider (TPP)?

A TPP is an app or web service that allows you to do things such as access information on your online accounts held with different providers  in one place. For example, you can ask a TPP to access information about your Chase credit card account so you can view it in the TPP’s app.  

You must give a TPP your permission to do these things. A TPP must be authorised by or registered with the FCA (one of our regulators) to carry out their services.

You want to use a TPP

If you use a TPP, this agreement will still apply to you, in addition to any agreement you might make with the TPP.

Following your consent, we’ll allow the TPP access to account information that you’d be able to access if you were dealing with us online.

You must check from the information the TPP has to give you that they’re authorised or registered. If you give your security credentials to an unauthorised third party, we’ll assume it’s you that’s authorising us to give access to information about your accounts.

If we’re aware that an unauthorised third party is using your security credentials, we’ll block access to your accounts.

To protect you, we may refuse to allow a TPP to access your account if we’re concerned that the TPP is unauthorised or acting without your permission. We’ll tell you if we do this, unless it would be unlawful or would compromise our reasonable security measures.

20. What is offsetting and when might we use it?

If we owe you any money under this agreement, we may offset (use to reduce) that amount against balances owed to us across this and other accounts held with us. This is called offsetting. If we intend to use this right, we’ll tell you.

21. Ending this agreement and closing your account

We may close your account immediately if:

• we reasonably believe that you’ve broken this agreement regularly or seriously; 
• we reasonably suspect any fraud or other criminal activity on your part, even if it’s not connected to this agreement; 
• you become bankrupt (or enter into a voluntary arrangement with your creditors) or if we believe this is likely to happen; 
• you are behaving improperly – for example, in a threatening or abusive way; or
• you die (in this case, we may ask your estate to make the repayment).

We’ll always follow any legal requirements before we take any of these steps.

In any other case, we will give you two months’ notice in writing to close your account and end the agreement.

You can give us notice to close your account and end the agreement at any time.

If either of us gives notice to close the account and end this agreement, then once any required period of notice has ended:

• you’ll need to make all payments that are due on your account.
• no further payments will be made from your account, so you’ll need to cancel any regular payments and make other arrangements to pay.
• you will not be able to reopen your account.

If you tell us you want to close your account because of a change we’re making and you repay the full balance before the change takes effect, it will not apply to your account and your agreement will come to an end. If there is a balance on your account when you tell us you want to close it, your account will close. You will then be able to repay your balance at your existing interest rates. However, any other changes and the new terms and conditions will apply, unless we tell you otherwise.

This agreement will continue until you’ve paid everything you owe, including amounts added to your account after the notice to close.

22. If you change your mind about entering into this agreement

If you change your mind about entering into this agreement, you can withdraw from it without giving a reason by contacting us within 14 days starting from the day after your account is opened. Once you’ve told us that you would like to withdraw from this agreement, you’ll have 30 days to pay back what you owe us. You can pay by making a payment from your Chase current account to your Chase credit card account. If you don’t repay us within 30 days, we may charge interest in line with the terms of this agreement.

23. Taxes and third-party costs

Taxes or costs may apply to you that aren’t charged by us and/or won’t be paid through us. If we have to pay any tax or duty for providing credit to you, we’ll charge you the amount of that tax or duty.

24. Copies

You can ask us for a copy of this agreement at any time.

25. Communications

We may keep telephone numbers you use to contact us.  If we need to contact you urgently, we may try them if we can't reach you on the numbers you've given us.

We'll always use English to communicate with you.

26. Information exchange

If we make a reasonable request for information, you must give it to us as soon as possible. If you don’t, or we suspect fraudulent or criminal activity, then:  

• we might try to get it from another source; or
• we could block or close your account.
• you might not be able to access some banking services or keep banking with us.

You must make sure the information you give us is accurate and up to date, and tell us if anything changes within 30 days (such as any email addresses or phone numbers you've given us). You can update these details through the app or by contacting us.

Our Privacy Policy (available in the app) explains how we'll use your information. We'll also give information to others if we are required to do so by law or public duty (e.g. if we believe you may have tax obligations in other countries, we may have to disclose that information directly to tax authorities) or if we need to disclose to protect our own interests (e.g. in any legal proceedings) or we have your specific agreement.

27. Transferring this agreement and our rights and obligations

We can transfer all our rights and obligations under this agreement and in relation to your account (including our obligation to lend) to any group company or any other company. We'll only transfer obligations to someone we reasonably consider capable of performing them and who has the appropriate regulatory permission.  This won’t reduce any of your rights in relation to your account.

You can't transfer any of your rights and obligations in relation to the agreement, your account, or the account itself, to any other person.

If we choose not to enforce any of our contractual rights against you, we can still enforce them later, unless we tell you we have chosen to give up our right to do so.

28. Consent

You explicitly consent to us accessing, processing, and retaining any information you provide to us, for the purposes of providing payment services to you. This doesn't affect any rights and obligations you or we have under data protection legislation. You may withdraw this consent by closing your account. If you do this, we'll stop using your data for this purpose, but may continue to process your data for other purposes.

29. When things go wrong that are out of our control

We won't be responsible for any losses to you if we can't perform our obligations under this agreement because of:

• abnormal or unforeseeable circumstances beyond our control (or the control of any third parties acting for us, such as agents and sub-contractors), the consequences of which were unavoidable despite all efforts to the contrary, for example the failure of a payments system that prevents us from sending money; or
• any legal or regulatory requirements that apply to us.

30. If there's a dispute between us

English law applies to this agreement and any dealings we had before you and we entered into this agreement.

The courts of England and Wales have jurisdiction to hear any disputes about this agreement, unless you live in another part of the UK, in which case any disputes may be brought in that part of the UK.

31. About our group

In a few places we refer to a ‘group company’. This means any company that controls or is controlled directly or indirectly by JPMorgan Chase NA, or is under common control with JPMorgan Chase NA. A company has ‘control’ if it can direct the management and policies of another company through, for example, ownership of shares (and voting rights) or by a contract.

32. How we are authorised

J.P. Morgan Europe Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 124579. You can check these details by visiting the Financial Conduct Authority's website www.fca.org.uk or contacting them on 0800 111 6768.

J.P. Morgan Europe Limited is a company incorporated under the laws of England and Wales with company registration number 00938937 and its registered office at 25 Bank Street, Canary Wharf, London, E14 5JP, United Kingdom. J.P. Morgan Europe Limited's registered VAT Number is: GB 397 2498 93.

Chase is a registered trademark and trading name of J.P. Morgan Europe Limited.

33. Complaints

If you're unhappy with our service for any reason, please contact us through the app or online at chase.co.uk/support/contact-us/

We’ll aim to provide you with a decision as soon as we can. Further details about our complaints process are available at chase.co.uk/support/complaints and below.

To make a complaint, please get in touch with us via ‘Support’ in the app. We’ll speak to you about your complaint and work together to try and find a resolution. Alternatively, you can write to us at Freepost Banking Operations, PO Box 17507, Edinburgh, EH12 1PX.

34. Your rights with the Financial Ombudsman Service and the Financial Conduct Authority

If you’re unhappy with how we’ve dealt with your complaint, you can ask the Financial Ombudsman Service to look into it for you. They’ll do so free of charge – but you must contact them within 6 months of our response.

They can be contacted using the following details:

Financial Ombudsman Service, Exchange Tower, Harbour Exchange, London, E14 9SR

Tel: 0800 023 4567 or 0300 123 9123

Email: complaint.info@financial-ombudsman.org.uk.

If you would like further information about the Financial Ombudsman Service, you can find it on their website at www.financial-ombudsman.org.uk (Opens in new window).

If you don't think we've met our legal requirements, you can also submit information about this to one of our regulators, the Financial Conduct Authority.

Financial Conduct Authority

12 Endeavour Square, London, E20 1JN

0800 111 6768 or 0300 500 8082

consumer.queries@fca.org.uk

www.fca.org.uk (Opens in new window)