What are simple and compound interest?

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class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/alerts"> <span class="aem-nav-button__text">Set up email and text alerts </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/change-personal-information"> <span class="aem-nav-button__text">Change your personal information</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/change-credit-limit"> <span class="aem-nav-button__text">Change your credit limit </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/view-pin"> <span class="aem-nav-button__text">View your PIN</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/online-account-servicing-a2z"> <span class="aem-nav-button__text">Online account servicing A-Z</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/servicing-updates"> <span class="aem-nav-button__text">Latest updates to your online account</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button type="button" class="aem-nav-button aem-nav-button--primary aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Your billing and payments </span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--level-3 aem-navigation--column" aria-hidden="true" aria-label="Submenu"> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/pay-your-bill"> <span class="aem-nav-button__text">Pay your bill</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/view-statements"> <span class="aem-nav-button__text">View your statements</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/billing-and-payments/change-due-date"> <span class="aem-nav-button__text">Change your payment due date</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/know-your-rights"> <span class="aem-nav-button__text">Protecting your purchases</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/billing-and-payments/missed-payment"> <span class="aem-nav-button__text">Missed payment</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button type="button" class="aem-nav-button aem-nav-button--primary aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Transfers and offers</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--level-3 aem-navigation--column" aria-hidden="true" aria-label="Submenu"> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/lending-guide"> <span class="aem-nav-button__text">Transfer and offers guide</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/transfer-balance"> <span class="aem-nav-button__text">Transfer a credit card balance to your Barclaycard</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="https://www.barclaycard.co.uk/personal/customer/money-transfer"> <span class="aem-nav-button__text">Money transfers</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/instalment-plan"> <span class="aem-nav-button__text">Instalment plans</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button type="button" class="aem-nav-button aem-nav-button--primary aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Barclaycard benefits</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--level-3 aem-navigation--column" aria-hidden="true" aria-label="Submenu"> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/barclaycard-cashback-rewards"> <span class="aem-nav-button__text">Barclaycard Cashback rewards</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/barclaycard-entertainment"> <span class="aem-nav-button__text">Barclaycard Entertainment</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/know-your-rights"> <span class="aem-nav-button__text">Purchase protection</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/spending-abroad"> <span class="aem-nav-button__text">Using your card abroad</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/contactless"> <span class="aem-nav-button__text">Pay your way</span> </a> </div> </div> </li> </ul> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-1"> <div class="aem-nav-item"> <div class="aem-nav-item__head aem-nav-item__head--level-1 aem-nav-item__head--has-children"> <button class="aem-nav-button aem-nav-button--full-width aem-nav-button--text aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false" type="button"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Help & support</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--level-2" aria-hidden="true" aria-label="Submenu"> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button type="button" class="aem-nav-button aem-nav-button--primary aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Help with your Barclaycard</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--level-3 aem-navigation--column" aria-hidden="true" aria-label="Submenu"> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/lost-stolen-damaged-cards"> <span class="aem-nav-button__text">Lost, stolen and damaged cards </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/forgotten-log-in-details"> <span class="aem-nav-button__text">Forgotten your login details?</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/emergency-card-replacement"> <span class="aem-nav-button__text">Emergency card replacement </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/credit-card-charges"> <span class="aem-nav-button__text">Credit card charges</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/spending-abroad"> <span class="aem-nav-button__text">Spending abroad</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/help-with-your-barclaycard/insurance"> <span class="aem-nav-button__text">Insurance</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/help-with-your-barclaycard/bereavement-guide"> <span class="aem-nav-button__text">Bereavement guide</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button type="button" class="aem-nav-button aem-nav-button--primary aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Money worries</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--level-3 aem-navigation--column" aria-hidden="true" aria-label="Submenu"> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/billing-and-payments/missed-payment"> <span class="aem-nav-button__text">Missed payments</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/job-loss"> <span class="aem-nav-button__text">Job loss</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/bereavement"> <span class="aem-nav-button__text">Bereavement</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary 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href="/personal/customer/reduced-income"> <span class="aem-nav-button__text">Reduced income</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--full-width aem-nav-button--icon-right" href="/personal/customer/report-fraud"> <span class="aem-nav-button__text">Report fraud</span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--full-width aem-nav-button--icon-right" href="/personal/help-and-support/jargon-buster"> <span class="aem-nav-button__text">Jargon buster </span> </a> </div> </div> </li> <li 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</svg> </span> <span class="aem-nav-button__text">Credit card basics</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--level-3 aem-navigation--column" aria-hidden="true" aria-label="Submenu"> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/advantages-of-credit-card"> <span class="aem-nav-button__text">Why get a credit card?</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/money-matters/how-do-credit-cards-work"> <span class="aem-nav-button__text">How do credit cards work?</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/money-matters/how-do-credit-cards-work/what-should-i-use-my-credit-card-for"> <span class="aem-nav-button__text">What to use your credit card for </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/money-matters/budgeting/how-can-I-manage-my-credit-repayments"> <span class="aem-nav-button__text">How to manage your credit repayments</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div 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2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Understanding credit scores</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--level-3 aem-navigation--column" aria-hidden="true" aria-label="Submenu"> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/money-matters/credit-score-basics"> <span class="aem-nav-button__text">Credit score basics</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small 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credit?</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/improving-credit-score"> <span class="aem-nav-button__text">Improving your credit score</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/money-matters/credit-score-basics/the-truth-about-your-credit-rating-seven-common-myths-busted"> <span class="aem-nav-button__text">The truth about your credit score: 6 common myths busted </span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item 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class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/your-cash-interest-rates-and-fees"> <span class="aem-nav-button__text">Interest rates, balances and fees </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/interest-calculator"> <span class="aem-nav-button__text">Interest calculator</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/base-rate-tracking"> <span class="aem-nav-button__text">How the Bank of England base rate affects interest</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/promotional-rates"> <span class="aem-nav-button__text">Promotional interest rates</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/compound-interest"> <span class="aem-nav-button__text">Compound interest </span> </a> </div> </div> </li> </ul> </div> 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aem-nav-button--full-width" href="/personal/credit-cards/eligibility-checker"> <span class="aem-nav-button__text">Check your eligibility</span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/credit-building-cards"> <span class="aem-nav-button__text">Cards for building your credit history</span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/amazon-barclaycard"> <span class="aem-nav-button__text">Amazon rewards credit card</span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/avios"> <span class="aem-nav-button__text">Avios credit cards</span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/purchase-credit-cards"> <span class="aem-nav-button__text">Cards for purchases</span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/rewards-credit-cards"> <span class="aem-nav-button__text">Cards for earning rewards </span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/balance-transfer-credit-cards"> <span class="aem-nav-button__text">Cards for making balance transfers</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation--sidebar aem-navigation__item--level-1"> <div class="aem-nav-item aem-nav-item--sidebar" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-1 aem-nav-item__head--has-children"> <button type="button" class="aem-nav-button aem-nav-button--primary aem-nav-button--full-width aem-nav-button--icon-right" aria-expanded="false"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Manage your account</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--sidebar aem-navigation--level-2" aria-hidden="true"> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer"> <span class="aem-nav-button__text">Existing customer homepage</span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false" type="button"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Getting started with your card</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--sidebar aem-navigation--level-3 aem-navigation--column" aria-hidden="true"> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/barclaycard-app"> <span class="aem-nav-button__text">Download the Barclaycard app</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/register-online-account"> <span class="aem-nav-button__text">Register for an online account </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/activate-new-barclaycard"> <span class="aem-nav-button__text">Activate your card</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false" type="button"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Managing your account online</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--sidebar aem-navigation--level-3 aem-navigation--column" aria-hidden="true"> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/additional-cardholder"> <span class="aem-nav-button__text">Add a cardholder </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/alerts"> <span class="aem-nav-button__text">Set up email and text alerts </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/change-personal-information"> <span class="aem-nav-button__text">Change your personal information</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/change-credit-limit"> <span class="aem-nav-button__text">Change your credit limit </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/view-pin"> <span class="aem-nav-button__text">View your PIN</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/online-account-servicing-a2z"> <span class="aem-nav-button__text">Online account servicing A-Z</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/servicing-updates"> <span class="aem-nav-button__text">Latest updates to your online account</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false" type="button"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Your billing and payments </span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--sidebar aem-navigation--level-3 aem-navigation--column" aria-hidden="true"> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/pay-your-bill"> <span class="aem-nav-button__text">Pay your bill</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/view-statements"> <span class="aem-nav-button__text">View your statements</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/billing-and-payments/change-due-date"> <span class="aem-nav-button__text">Change your payment due date</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/know-your-rights"> <span class="aem-nav-button__text">Protecting your purchases</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/billing-and-payments/missed-payment"> <span class="aem-nav-button__text">Missed payment</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false" type="button"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Transfers and offers</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--sidebar aem-navigation--level-3 aem-navigation--column" aria-hidden="true"> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/lending-guide"> <span class="aem-nav-button__text">Transfer and offers guide</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/transfer-balance"> <span class="aem-nav-button__text">Transfer a credit card balance to your Barclaycard</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="https://www.barclaycard.co.uk/personal/customer/money-transfer"> <span class="aem-nav-button__text">Money transfers</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/instalment-plan"> <span class="aem-nav-button__text">Instalment plans</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false" type="button"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Barclaycard benefits</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--sidebar aem-navigation--level-3 aem-navigation--column" aria-hidden="true"> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/barclaycard-cashback-rewards"> <span class="aem-nav-button__text">Barclaycard Cashback rewards</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/barclaycard-entertainment"> <span class="aem-nav-button__text">Barclaycard Entertainment</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/know-your-rights"> <span class="aem-nav-button__text">Purchase protection</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/spending-abroad"> <span class="aem-nav-button__text">Using your card abroad</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/contactless"> <span class="aem-nav-button__text">Pay your way</span> </a> </div> </div> </li> </ul> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation--sidebar aem-navigation__item--level-1"> <div class="aem-nav-item aem-nav-item--sidebar" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-1 aem-nav-item__head--has-children"> <button type="button" class="aem-nav-button aem-nav-button--primary aem-nav-button--full-width aem-nav-button--icon-right" aria-expanded="false"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Help & support</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--sidebar aem-navigation--level-2" aria-hidden="true"> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false" type="button"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Help with your Barclaycard</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--sidebar aem-navigation--level-3 aem-navigation--column" aria-hidden="true"> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/lost-stolen-damaged-cards"> <span class="aem-nav-button__text">Lost, stolen and damaged cards </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/forgotten-log-in-details"> <span class="aem-nav-button__text">Forgotten your login details?</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/emergency-card-replacement"> <span class="aem-nav-button__text">Emergency card replacement </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/credit-card-charges"> <span class="aem-nav-button__text">Credit card charges</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/spending-abroad"> <span class="aem-nav-button__text">Spending abroad</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/help-with-your-barclaycard/insurance"> <span class="aem-nav-button__text">Insurance</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/help-with-your-barclaycard/bereavement-guide"> <span class="aem-nav-button__text">Bereavement guide</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width aem-nav-button--icon-right" href="/personal/customer/money-worries"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Money worries</span> </a> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--sidebar aem-navigation--level-3 aem-navigation--column" aria-hidden="true"> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/billing-and-payments/missed-payment"> <span class="aem-nav-button__text">Missed payments</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/job-loss"> <span class="aem-nav-button__text">Job loss</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/bereavement"> <span class="aem-nav-button__text">Bereavement</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/accident"> <span class="aem-nav-button__text">Accident</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/mental-health"> <span class="aem-nav-button__text">Mental health</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/carer"> <span class="aem-nav-button__text">Support for carers</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/illness"> <span class="aem-nav-button__text">Illness</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/separated"> <span class="aem-nav-button__text">Separation and divorce</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/addiction"> <span class="aem-nav-button__text">Addiction</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/student-debt"> <span class="aem-nav-button__text">Student debt</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/no-budget"> <span class="aem-nav-button__text">Budget problems</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/reduced-income"> <span class="aem-nav-button__text">Reduced income</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/report-fraud"> <span class="aem-nav-button__text">Report fraud</span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/jargon-buster"> <span class="aem-nav-button__text">Jargon buster </span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/contact-us"> <span class="aem-nav-button__text">Contact us</span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/help"> <span class="aem-nav-button__text">Help centre / FAQs</span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="https://www.barclays.co.uk/loans/ways-to-borrow"> <span class="aem-nav-button__text">Ways to borrow</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation--sidebar aem-navigation__item--level-1"> <div class="aem-nav-item aem-nav-item--sidebar" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-1 aem-nav-item__head--has-children"> <button type="button" class="aem-nav-button aem-nav-button--primary aem-nav-button--full-width aem-nav-button--icon-right" aria-expanded="false"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Get Credit Confident </span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--sidebar aem-navigation--level-2" aria-hidden="true"> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false" type="button"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Credit card basics</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--sidebar aem-navigation--level-3 aem-navigation--column" aria-hidden="true"> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/advantages-of-credit-card"> <span class="aem-nav-button__text">Why get a credit card?</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/money-matters/how-do-credit-cards-work"> <span class="aem-nav-button__text">How do credit cards work?</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/money-matters/how-do-credit-cards-work/what-should-i-use-my-credit-card-for"> <span class="aem-nav-button__text">What to use your credit card for </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/money-matters/budgeting/how-can-I-manage-my-credit-repayments"> <span class="aem-nav-button__text">How to manage your credit repayments</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/money-matters/how-do-credit-cards-work/what-is-a-credit-card-apr"> <span class="aem-nav-button__text">Understanding credit card APR</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false" type="button"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Understanding credit scores</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--sidebar aem-navigation--level-3 aem-navigation--column" aria-hidden="true"> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/money-matters/credit-score-basics"> 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srcset="/content/dam/barclaycard/images/personal/credit-cards/hero-images/understanding-interest-desktop-3_1.large.medium_quality.jpg" media="(min-width: 1024px)"/> <source srcset="/content/dam/barclaycard/images/personal/credit-cards/hero-images/understanding-interest-desktop-3_1.small.medium_quality.jpg" media="(min-width: 768px)"/> <source srcset="/content/dam/barclaycard/images/personal/credit-cards/hero-images/understanding-interest-desktop-16_9.xsmall.medium_quality.jpg" media="(min-width: 480px)"/> <source srcset="/content/dam/barclaycard/images/personal/credit-cards/hero-images/understanding-interest-desktop-16_9.xxsmall.medium_quality.jpg"/> <img class="jumbo-media" data-object-fit alt="" src="/content/dam/barclaycard/images/personal/credit-cards/hero-images/understanding-interest-desktop-3_1.large.medium_quality.jpg" fetchpriority="high"/> </picture> <div class="jumbo-body"> <div class="container-fluid"> <div class="row"> <div class="col-xsm-12 col-sm-6"> <div class="jumbo-overlay "> <div class="h-pull-left"> <span class="jumbo-overlay-icon" aria-hidden="true"></span> </div> <div class="jumbo-overlay-content "> <div class="jumbo-overlay-body"> <div> <h2>Understanding interest</h2> </div> </div> </div> </div> </div> </div> </div> </div> </section>  <div class="container-fluid"> <div class="row"> <div class="main col-md-9 col-sm-12"> <div class="row "> <div class="col-md-12" data-component-type="Column1"> <div class="row shaded"> <div class="col-md-12" data-component-type="Column1"> <div> <h2>Getting to know simple and compound interest</h2> <p>To understand how interest affects your outstanding balance and payments, it’s important to get to know simple and compound interest. We’ve created Amy’s story to show you how it works.</p> </div> <div class="article-snippet " data-component-type="articleSnippet"> <div class="article-snippet-hd"> <h3> <a role="button" href="#" data-toggle="collapse" class="collapsed toggle" aria-expanded="false"> <span class="article-snippet-icon"></span> Simple and compound interest </a> </h3> </div> <div class="media collapse" aria-hidden="true"> <div class="media-body"> <div class="article-snippet-bd cms-content"> <div> </div> <div> <div> <p>We use your simple interest rate to work out how much interest we’ll charge you each month. It moves in line with the Bank of England base rate – so when the base rate changes, your simple rate will go up or down by exactly the same amount.</p> <p>Find out more about the <a title="Bank of England base rate" href="/personal/credit-cards/base-rate-tracking" target="_self">Bank of England base rate</a>.<br /> </p> </div> </div> </div> </div> </div> </div> <div class="article-snippet " data-component-type="articleSnippet"> <div class="article-snippet-hd"> <h3> <a role="button" href="#" data-toggle="collapse" class="collapsed toggle" aria-expanded="false"> <span class="article-snippet-icon"></span> Compound interest </a> </h3> </div> <div class="media collapse" aria-hidden="true"> <div class="media-body"> <div class="article-snippet-bd cms-content"> <div> </div> <div> <div> <p>Your compound interest rate takes into account the interest you pay on interest as well as the outstanding amount if you don’t pay your balance off every month. Even if you do pay your balance off every month, the compound rate shows how much interest you’d pay each year if you didn’t.</p> <p>Compound rates will also go up or down when the Bank of England Base Rate changes but the changes will be bigger than the changes to the simple interest rates because they take in to account the interest on interest.</p> </div> </div> </div> </div> </div> </div> <div class="article-snippet " data-component-type="articleSnippet"> <div class="article-snippet-hd"> <h3> <a role="button" href="#" data-toggle="collapse" class="collapsed toggle" aria-expanded="false"> <span class="article-snippet-icon"></span> Where to find your interest rates </a> </h3> </div> <div class="media collapse" aria-hidden="true"> <div class="media-body"> <div class="article-snippet-bd cms-content"> <div> </div> <div> <div> <p>We’ll always show your simple interest rate and the compound equivalent together – you’ll see them on the first page of your monthly statement.</p> <p>You can view your statement in your <a title="Barclaycard app" href="/personal/customer/barclaycard-app" target="_self">Barclaycard app</a>. Log in, select ‘More’ then ‘Statements and documents’.</p> <p>You can also view your statement in <a title="Barclaycard online servicing" href="/personal/customer/online-account-servicing" target="_self">Barclaycard online servicing</a>.<br /> </p> </div> <img alt="" data-src="/content/dam/barclaycard/images/personal/credit-cards/card-images/decorative-statement-ipad.jpg" class=" lazy"/> </div> </div> </div> </div> </div> <div class="article-snippet " data-component-type="articleSnippet"> <div class="article-snippet-hd"> <h3> <a role="button" href="#" data-toggle="collapse" class="collapsed toggle" aria-expanded="false"> <span class="article-snippet-icon"></span> How to compare interest rates </a> </h3> </div> <div class="media collapse" aria-hidden="true"> <div class="media-body"> <div class="article-snippet-bd cms-content"> <div> </div> <div> <div> <h4>Comparing to purchase and cash interest rates</h4> <p>Most credit card issuers just show compound interest rates. This means that you can use the standard and cash compound rates on your Barclaycard to compare against the purchase and cash interest rates on most other credit cards.</p> <h4>Comparing to APR (Annual Percentage Rate)</h4> <p>You can also use your compound standard rate to compare against the APR of another card, unless the other card has annual or monthly fees.</p> <p>An APR is a rate that is used to give people a standard way of comparing the costs of different credit cards, before they apply. In advertising, lenders use a rate called the representative APR. This is the APR you are most likely to get if you are successful because some card issuers give different APRs to different customers.</p> <p>The APR is based on the interest rate charged on purchases and will usually be the same as the compound purchase rate. But this is not always the case because the APR also takes into account any monthly or annual fees you pay for having the card.</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="row "> <div class="col-md-12" data-component-type="Column1"> <div class="article-snippet shaded"> <div class="media"> <div class="media-body"> <div class="article-snippet-bd cms-content"> <div> </div> <div> <div> <h2>Amy’s story – an example to show how compound interest works</h2> <p>To show you how compound interest affects a balance over time, we’re going to use a made-up example based on Amy borrowing <strong>£1,000 at a simple interest rate of 12%</strong>. For the sake of the example, let’s say that Amy doesn’t pay anything back for 12 months. Note that this example is just to show how compound interest works – it is not related to any specific financial product or service.</p> <h3>What happens to Amy’s balance each month?</h3> <p>Amy borrowed the money in December, so interest is charged for the first time in January. Her yearly simple standard rate is 12%, so her monthly simple rate is 1% (the simple standard rate divided by 12). Because Amy doesn’t pay, her £1,000 balance (plus 1% interest) is rolled over to February when interest is charged again. This time interest is charged not only on the original balance but also on the interest from January – we call this compound interest.</p> <p>This example shows how interest affects Amy’s balance over 12 months. We’ve rounded the figures to the nearest 1p. You’ll see how the longer you take to pay off your balance, the more it will cost.</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="row "> <div class="col-md-12" data-component-type="Column1"> <div class="row shaded"> <div class="col-md-12" data-component-type="Column1"> <div> <h3><strong>Amy borrows the £1,000 in December, so interest is charged for the first time in January</strong></h3> </div> <div class="article-snippet " data-component-type="articleSnippet"> <div class="article-snippet-hd"> <h3> <a role="button" href="#" data-toggle="collapse" class="collapsed toggle" aria-expanded="false"> <span class="article-snippet-icon"></span> January – interest is 1% of £1,000, which is £10 </a> </h3> </div> <div class="media collapse" aria-hidden="true"> <div class="media-body"> <div class="article-snippet-bd cms-content"> <div> </div> <div> <div> <p>Amy’s balance is £1,000 with a simple interest rate of 1% per month.</p> <p>Interest charged = £10</p> <p>Total balance = £1,010</p> </div> </div> </div> </div> </div> </div> <div class="article-snippet " data-component-type="articleSnippet"> <div class="article-snippet-hd"> <h3> <a role="button" href="#" data-toggle="collapse" class="collapsed toggle" aria-expanded="false"> <span class="article-snippet-icon"></span> February – interest is 1% of £1,010, which is £10.10 </a> </h3> </div> <div class="media collapse" aria-hidden="true"> <div class="media-body"> <div class="article-snippet-bd cms-content"> <div> </div> <div> <div> <p>Amy now owes £1,010 and that’s the amount she’s charged interest on.</p> <p>Interest charged = £10.10</p> <p>Total balance = £1,020.10</p> </div> </div> </div> </div> </div> </div> <div class="article-snippet " data-component-type="articleSnippet"> <div class="article-snippet-hd"> <h3> <a role="button" href="#" data-toggle="collapse" class="collapsed toggle" aria-expanded="false"> <span class="article-snippet-icon"></span> March – interest is 1% of £1,020.10, which is £10.20 </a> </h3> </div> <div class="media collapse" aria-hidden="true"> <div class="media-body"> <div class="article-snippet-bd cms-content"> <div> </div> <div> <div> <p>Amy now owes £1,020 and that’s the amount she’s charged interest on.</p> <p>Interest charged = £10.20</p> <p>Total balance = £1,030.30</p> </div> </div> </div> </div> </div> </div> <div class="article-snippet " data-component-type="articleSnippet"> <div class="article-snippet-hd"> <h3> <a role="button" href="#" data-toggle="collapse" class="collapsed toggle" aria-expanded="false"> <span class="article-snippet-icon"></span> By December, Amy needs to pay £1,126.83 to clear her balance </a> </h3> </div> <div class="media collapse" aria-hidden="true"> <div class="media-body"> <div class="article-snippet-bd cms-content"> <div> </div> <div> <div> <p>After 12 months, the interest has increased the amount Amy owes by £126.83. If Amy had been charged only a simple interest rate, she would have been charged £120 over 12 months. However, because interest is charged on interest (compound interest), Amy would be charged an extra £6.83 over 12 months. So the total amount that Amy would be charged is £126.83.</p> </div> </div> </div> </div> </div> </div> <div> <p><button class="a-link a-link--decoration-underline" aria-haspopup="dialog" data-functionality="modal:example" aria-label="Modal" style="background-color: rgb(255,255,255);">View a full yearly example</button> showing how interest is charged month on month</p> <p>The example shows that over 12 months, Amy is charged £126.83 in interest on the £1,000 that she borrowed at a simple interest rate of 12% per year. This means that the compound interest rate was 12.7% per year (£126.83/£1,000)</p> </div> </div> </div> </div> </div> <div class="row "> <div class="col-md-12" data-component-type="Column1"> <div class="article-snippet shaded"> <div class="media"> <div class="media-body"> <div class="article-snippet-bd cms-content"> <div> </div> <div> <div> <h3>What compound interest means for you</h3> <p>With compound interest, interest is charged on interest from the previous month. So the longer it takes to clear your balance, the more you’ll pay in compound interest. It’s important that you try to clear your balance as quickly as you can. If you have problems with your credit score, this becomes even more important. Read our guide <a title="Read about how to improve your credit score" href="/personal/credit-cards/improving-credit-score">How To Improve Your Credit Score</a> to learn more.</p> <h3>With Barclaycard, you must pay the minimum amount each month</h3> <p>Remember that Amy’s story is just an example to show how compound interest works. With a Barclaycard, you must pay at least the minimum amount each month. If you don’t pay your monthly payment on time, you may be charged a fee. Also, your credit rating could be affected, making it harder for you to get credit in future. You can use our guide, <a title="View our guide to how Credit card Interest is charged" href="/personal/credit-cards/how-interest-is-charged-on-your-account">How Is Credit Card Interest Charged</a> to find out more.</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="side col-md-3 col-sm-12"> <section class="quicklink quicklink-1col default borderbottom" data-component-type="Quicklink"> <div class="quicklink-item"> <div class="quicklink-content"> <nav aria-label="Quick Link Navigation"> <h2>Help and advice</h2> <ul> <li> <a href="/personal/credit-cards/understanding-interest" title="Find out about the interest you pay on your credit card" target="_parent">Understanding interest <svg class="quicklink__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 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0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </a> </li> <li> <a href="/personal/credit-cards/your-cash-interest-rates-and-fees" title="Find out more about your cash interest rates and fees " target="_parent">Your cash interest rates and fees <svg class="quicklink__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </a> </li> <li> <a href="/personal/credit-cards/how-interest-is-charged-on-your-account" title="Find out more about how interest is charged on your account" target="_parent">How interest is charged on your account <svg 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