The McEwens Choice Card offers you, the customer,
the ideal buying solution by giving you total control over your purchase. Now
you have the freedom to purchase what you want, when you want it and even choose
the period of time over which to repay it.
Opening a McEwens Choice Card with a transaction of £ 200.00 or more entitles
you to a 5 month interest free credit.
Opening a McEwens Choice Card with a transaction of less than £ 200.00 entitles
you to up to 56 days interest free credit.
Any further purchase of £ 100.00 or more which are charged to your account
entitles you to 5 months interest free credit.
A McEwens Choice Card can be opened instantly (subject to status). All that is
required to activate the account is a minimum £ 75 initial purchase.
You need to bring two forms of identification, one to verify your signature such
as a credit card or passport and the other to verify your current address, such
as a gas bill or electric bill, credit card/bank statement (not older than 6
weeks) or a driving licence.
McEwens Choice Card benefits include:
- Invitation to Special McEwens Events and Seasonal Sales
- If you change your mind about your purchase, the item will be credited to your account immediately.
- Payment by direct debit
- Additional card holder at no extra cost
- Flexible payment options including interest free shopping at all McEwens stores
Option 1 - 56 Day Interest Free Credit
This option allows you the benefit of up to 56 days interest free
credit, with no deposit to pay. You can then clear the outstanding balance in
full and incur NO interest charges or you can make flexible monthly instalments
that suit your budget (See Option 3).
Option 2 - Buy Now Pay Later
3 Months, 5 Months or 9 Months Interest Free Credit
Once again there is no deposit to pay. 3 months interest free credit is
available on purchases over £ 200, 5 months interest free is available on
purchase over £ 400 and 9 months interest free is available on purchase over £
750.
As you will receive a monthly statement you can, if you wish, pay by equal
installments or you can choose to pay absolutely nothing until the end of the
Interest Free period and incur no interest charges whatsoever.
Alternatively, you can go on to make flexible monthly intallments to suit your
budget (See Option 3).
Option 3 - Spread your payments
Your new McEwens Choice Card allows you to spread the cost of your purchases by
paying monthly instalments. If you select this option, interest will be charged
at the rate of 2.2% per month on the daily outstanding balance.
If, for example, you charge £ 700 to your BNPL account and at the end of the 5
months Interest Free period have only repaid £ 600, then at the end of month 6
your statemetn will show an outstanding balance of £ 100 + £ 2.20, by far the
fairest way to treat interest on the outstanding balance.
*The minimum monthly payment is the greater of £ 5.00 or 5% of your outstanding
balance shown on your monthly statement.
If you are interested in opening an account, please
contact us.
