This website uses cookies to ensure you have the best experience. Learn more

Hnd Buisness Level 5 Essay

1446 words - 6 pages

Important Customer Information
Your Card

Important Customer Information
1. Is a credit card suitable for my needs?
A Debenhams credit card can be used wherever you see the MasterCard logo. It is suited to short term borrowing and would be an expensive way to borrow large amounts over a long period. It is an expensive way of regularly accessing cash.

Put Simply
A credit card can be expensive if used to borrow large amounts over a long period or used regularly to withdraw cash.

2. How much will I have to repay?
The total amount you have to repay depends on how much you spend on your card, how much of the balance you repay each month and the interest rate we charge you. Your ...view middle of the document...

This could result in a court order being obtained (which could possibly be enforced by securing the debt against your home) and you incurring legal costs. In exceptional cases, this could lead to an order for the sale of your home being made. You should contact us if you are having real difficulties making payments.

Put Simply
You get charged a £12 fee for not making at least your minimum payment. This means your credit rating could go down making it harder to get credit in the future.

Important Customer Information

4. Can I withdraw from the agreement once I have entered it?
You have 14 days from the day after you receive your card to tell us you want to withdraw from the agreement. You can do this by writing to us or calling Customer Services. We will tell you how much to repay and how to pay it. From then you have 30 days to pay what you owe including any interest.

Put Simply
You have 14 days after you receive your card to change your mind.

5. Are there any particular features of this credit product that I should be aware of?
Before applying for a card you should read all the Pre-Contract Credit Information carefully to ensure that it is right for you and that you understand the features of this product. If, when you have read these, you have any further questions you can read the FAQs (which can be found on the previous window) or call us on 0844 848 4743.

Put Simply
You should read the ‘Pre-Contract Credit Information’.

6. Interest rates
The interest rate you pay on your balance may vary according to your personal circumstances. All our interest rates are variable. • Our representative APR for purchases is 19.9% variable but you could get 19.9% or 29.9% and we will tell you yours after the credit check. • For cash transactions, the interest rate is 29.9% variable and interest is charged from the date the transaction is added to your account.

Put Simply
Most customers get a 19.9% APR variable on purchases. Your rate could be higher and we will tell you yours after the credit check. If you use your card to withdraw cash the interest rate is 29.9% variable.

Important Customer Information

7. Charges
We charge a fee and you may pay a higher interest rate for cash advances than purchases. The following charges apply: • Cash fee of 3% (at least £3.00) for all cash advances made in the UK or abroad. • A fee of £12 each month you go over your credit limit • A fee of 2.75% for every transaction you make in a currency other than sterling. A cash advance is a cash withdrawal, a purchase of travellers’ cheques or foreign currency, and gambling transactions. Other charges are set out in your Pre-Contract Credit Information. We may change any of these charges but will let you know first.

Put Simply
The following variable fees apply: • A 3% fee for all cash withdrawals • A £12 overlimit fee • A 2.75% fee for transactions made in a foreign currency.

8. Interest rates may change
We may increase...

Other Papers Like Hnd Buisness Level 5

Organisation & Behaviour Essay

4013 words - 17 pages project after completing a HND in business management Page 5 Organisational Behaviour project. The resources are shared and so project costs can be reduced and that factor stands as a strength in a matrix structure. However, there may be some conflicts between two bosses , line manager and project manager. As a matrix structure is complex because of the large organisation, it is difficult to understand and the employees may confuse the main


816 words - 4 pages Assignment front sheet Qualification Unit number and title Pearson BTEC Level 5 HND Diploma Business Unit 6: Business Decision Making Student name Assessor name Manoj Kumar Date issued Completion date Submitted on 16th August 2013 13th January, 2014 Assignment title BDM: To Start-up Coffee Cafe Day Retail Chain in Yangon (1 of 1) Learning Outcome Learning outcome Assessment Criteria In this assessment you will

Business Decision Making

1584 words - 7 pages Assignment front sheet Qualification Pearson BTEC Level 5 HND Diploma Business Student name Unit number and title Unit 6: Business Decision Making Assessor name James Kwok Date issued Completion date Submitted on 5th January 2015 16th February 2015 Assignment title BDM: To start-up a upstairs coffee cafe in the city(2 of 2) Learning Outcome Learning outcome Be able to produce information in appropriate formats

Business Accounting

3897 words - 16 pages all strategies and co-ordinate them into a long-term plan.Step 5: Implement the long-term plan: be broken down into smaller parts. It will help company easily control the plan.Step 6 and 7: Measure actual results and compare with plan. Respond to divergences from plan. Its means when company finish the long-term plan, the actual results should be compared with those expected under the long term plan. Through that, company will have appropriate

Managing Business Decision

2605 words - 11 pages Assignment Front Sheet Qualification Pearson BTEC Level 4 HND Diploma Health & Social Care Student Name Unit Number and Title A/601/1611/ Unit 13 / Managing Human Resources in Health & Social Care Student No. Assessor name Date of Issue 16th February 2015 Jill Baldwin Completion date Submitted on 27th March 2015 Assignment title Unit 13: Managing Human Resources in Health & Social Care Learning outcome Assessment criteria In

Lab 8 Information Systems

1454 words - 6 pages interweaves the plans. The National Institute of Standards and Technology 4.The degree of spread of Ebola in the months ahead is uncertain. In the unlikely event of a worst- case scenario, can your organization meet the issues and answer the questions that are sure to arise? The best preparation you can undertake is to formulate and practice a response plan. The best time to start is right now. 5. While governments, not-for-profit institutions

Business Environment

944 words - 4 pages | |Qualification |Pearson BTEC Level 5 HND Diploma in Business | |Start Date |22nd March 2014 | |Deadline/hand in |5th May 2014

Bdm Resit

2101 words - 9 pages Assignment front sheet Qualification | Unit number title and level | BTEC Level 5 HND Diploma in Business | Unit 6: Business Decision Making - Resit - Level :5 | Student name and ID number | Assessor name | | Mohit Kumar Pun | Date issued | Completion date | Submitted on | 1st August 2014 | 5thSeptember 2014 before midday | | | | Assignment title | Crossrail - Business Decision Making

Btec Assignment

5327 words - 22 pages Assignment Front Sheet Qualification Unit Number and Title Pearson BTEC Level 5 HND Diploma Business Y-601-1259 / Unit 19 / Marketing Planning Student Name Student No. Assessor name TOM FARNSWORTH Date of Issue Completion date 16th February 2015 Assignment title Learning outcome 1 Be able to compile marketing audits 27th March 2015 Unit 19: Marketing Planning Assessment criteria In this



Organisation and Behaviour

1317 words - 6 pages St. Patrick’s College London HND BUSINESS MANAGEMENT (ORGANIZATION AND BEHAVIOUR) Lecturer: Sujata Omwenga Student: CONTENTS PAGE INTRODUCTION…………………………………………………………….….p. 3 1.1 ……………………………………………………………………………….PP.4-5 1.2 ……………………………………………………………………………….P.6 1.3 ……………………………………………………………………………….PP.7-8 2.1 ………………………………………………………………………………pp.9-10

Related Essays

Btec Level 5 Hnd Diploma In Busin

1349 words - 6 pages [pic] Assignment Brief Assignment front sheet |Qualification |Unit number and title | |Pearson BTEC Level 5 HND Diploma Business |Unit 1: Business Environment | |Centre name

Managing Human Resource Essay

2603 words - 11 pages ESSEX INTERNATIONAL COLLEGE Programme: Unit Number: Unit Title: Unit Code: Credit Value: QCF Level: BTEC Higher National Diploma (HND) in Business 22 Managing Human Resources F/601/1268 15 4 Writer of the brief: Internal Verifier name: Dr K Hoodless Dr M Rahman Learning outcomes and criteria covered by this assignment:    All pass criteria All merit descriptors All distinction descriptors Key dates: Assignment distribution

Personal And Professional Development Essay

2001 words - 9 pages Self-reflection ppd plan This is a personal and professional development that shows a self-reflection of me using the skills audit discussed in the PPD sessions in the class room. This also provides insights of various strengths and weakness I possess and the various things which I want to develop during the course of my HND programme both in respect to my personal and professional development. It also gives out steps of how to achieve the

Justification Essay

1699 words - 7 pages for the HND in Computing and Systems Development at your relevant Campus, a hardcopy of all Assignment Brief tasks. Please do not forget to attach the completed front sheet. d) Submit a softcopy via Turnitin. e) Please note BOTH hardcopy and softcopy submissions must be received no later than 5:30 on Thursday, November 8th, 2012. You will receive confirmation for all successful submissions. APPENDIX A - Sample System Design Specification