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Frequently Asked Questions

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Applying For A Card

How do NewDay decide whether I am eligible for an Wallis Mastercard?

How do NewDay decide whether I am eligible for an Wallis Mastercard?

To qualify for an Wallis Mastercard you must:

•be 18 years or over

•be a permanent UK resident and have lived in the UK for the last 12 months (unless you’re HM Forces Personnel)

•have a current UK bank account and a home or mobile phone number

•not already have one of our Mastercards or Account cards

•have a regular income

NewDay will carry out an eligibility check to give you an idea of how likely you are to be accepted for an Wallis Mastercard and what APR we think we may be able to offer you. This will not impact your credit rating but will be recorded as a “soft” footprint’ on your credit report. Please note other lenders or credit providers will not be able to see this check on your report. 

If you want to carry on with the full application once the eligibility check has been completed NewDay will carry out a full credit search to make sure that we can offer you an Wallis Mastercard. This search will leave a footprint on your credit file which other lenders will be able to see and which may affect your ability to get credit for a short while.

 
Will the eligibility check register as a credit search?

Will the eligibility check register as a credit search?

No, when NewDay check your eligibility this is only a quotation search. This means when we obtain your credit report information we only leave a "soft" footprint on your credit record which cannot be seen by other lenders, and so will not impact on your credit rating.


How long will it take to complete an application?

How long will it take to complete an application?

The initial eligibility check can take between 5 – 10 minutes, if you choose to proceed with the full application it can take a further 5 – 10 minutes for you to provide the further information NewDay need.


How long does it take to get a decision?

How long does it take to get a decision?

The eligibility check will give you an indication of whether NewDay are likely to offer you credit and the APR we think we could offer you within a few seconds. If you then complete the full application and you’re accepted, NewDay will let you know straight away. However, NewDay may need to refer your application to an underwriter who will assess and aim to respond within 48 hours. They may contact you for further information before making a final decision which could take up to 28 days after you make your full application.


What happens if I apply for an account and change my mind after the application has been processed?

What happens if I apply for an account and change my mind after the application has been processed?

You have 14 days from the day after you receive your card to tell NewDay you want to withdraw from the agreement. You can do this by writing to us at NewDay Ltd, Customer Service Department, P.O Box 700, Leeds LS99 2BD. Alternatively you can call us on 0333 220 2509*. We will tell you how much to repay and how to pay it. From then you have 30 days to pay any outstanding balance including any interest.

*Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

 
I already have a Mastercard or store card with Evans. Can I apply for a new one?

I already have a Mastercard or store card with Wallis. Can I apply for a new one?

If you already have an existing account, you must not apply for another Wallis Mastercard.

 
How do NewDay use the information I give them?

How do NewDay use the information I give them?

The details you provide on your application form help NewDay to make responsible lending decisions. Details of how we use your information are available in our Privacy Policy.


Can I apply again if I am declined?

Can I apply again if I am declined?

NewDay would advise that you check your credit report and avoid reapplying for at least six months. However, if you have agreed to this, NewDay may be able to let you know about other credit cards that may be of interest to you.


Credit Searches

Will NewDay carry out a credit search?

Will NewDay carry out a credit search?

All applications are first required to complete the eligibility check, however this only leaves a ‘soft footprint’ on your credit report, which cannot be seen by other lenders and so will not impact your credit rating.

 

Should you then choose to proceed with the full application, as a responsible lender, NewDay will then carry out a full credit search. This search will leave a footprint on your credit file which other lenders will be able to see and which may affect your ability to get credit for a short while.

 
What is a credit score?

What is a credit score?

Credit scoring is the system most major banks and finance companies use when considering applications for borrowing to ensure that the borrowing will be affordable. It takes account of information you provide in your application, any information we may already have about you, and any information we may get from other organisations such as credit reference or fraud-prevention agencies. When we use information from other organisations, we will tell you who they are. The credit-scoring system gives points for each piece of relevant information and adds these up to produce a score. If your score reaches a certain level, we will generally accept your application. If your score does not reach this level, we may not accept your application or we may accept your application but offer you a higher APR than that advertised. We may sometimes use scores worked out by credit reference agencies when considering your application.

 

Credit scoring produces consistent decisions and is designed to make sure that all applicants are treated fairly. We may also have other rules to decide whether we will lend.

 

This does not mean that any applicant we have turned down is a bad payer. It simply means that based on the information available to us, we do not consider that it is appropriate to provide the credit.

 
How can I find out about my credit history?

How can I find out about my credit history?

You can contact the credit reference agencies currently operating in the UK – these are listed below. The information they hold may not be the same, so it’s worth contacting them all. They may charge you a small statutory fee.

 

• CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0330 024 7574 or callcredit.co.uk

• Equifax Ltd, Customer Service Centre, P.O. Box 10036, Leicester LE3 4FS or call 0844 335 0550 or equifax.co.uk

• Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0344 481 8000 or experian.co.uk

 
Will applying for a card affect my credit rating?

Will applying for a card affect my credit rating?

NewDay will carry out an eligibility check to give you an idea of how likely you are to be accepted for an Wallis Mastercard and what APR we think we may be able to offer you. This will not impact your credit rating but will be record a “soft” footprint’ on your credit report. Please note other lenders or credit providers will not be able to see this check on your report.

 

If you choose to proceed with the full application a full credit search will be carried out. This search will leave a footprint on your credit file which other lenders will be able to see and which may affect your ability to get credit for a short while.

 

If you have recently opened several credit accounts or applied for a number of credit facilities in a short space of time, this could affect your credit rating and may mean that it is more likely that you will not be offered credit. This is because lenders wish to lend responsibly and may decline customers who they think may be taking on more credit than they can afford.

 

Credit Limit

What is a credit limit?

What is a credit limit?

This is the maximum amount you may borrow on the account, including the cash limit, if any.


How do NewDay decide my credit limit?

How do NewDay decide my credit limit?

This is based on information obtained from your application and the outcome of the credit search performed with the credit reference agencies.

Can I increase my credit limit?

Can I increase my credit limit?

You can request an increase to your credit limit and NewDay will then make an assessment to see if we consider an increase affordable for you. NewDay regularly review credit limits to make sure that customers have the credit limit that we believe is right for them. NewDay is committed to lend responsibly and so our lending policy ensures that our customers don't become overburdened with debt. The assessment of the limit available to our customers is based on a combination of information available from the credit reference agencies and the information that we have about how you have managed your account. You can either log on to Online Account Manager or call Customer Services on 0333 220 2509* to request a credit limit increase. 

*Calls will cost no more than a standard national rate call. Lines are open seven days a week, 8am to 9pm. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

 

 

Can I decrease my credit limit?

Can I decrease my credit limit?

Yes, you can ask NewDay to reduce your credit limit to any amount, provided it is not lower than your balance. In order to do this, either log on to Online Account Manager or call Customer Services on 0333 220 2509*.

*Calls will cost no more than a standard national rate call. Lines are open seven days a week, 8am to 9pm. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

 

Can NewDay increase my credit limit?

Can NewDay increase my credit limit?

NewDay regularly review credit limits to make sure that customers have a credit limit that we believe is right for them. We are committed to lend responsibly and so our lending policy ensures that our customers don't become overburdened with credit. The assessment of the limit available to our customers is based on a combination of information available from the credit reference agencies and the information that we have about how you have managed your account.

As part of our commitment to ensure that we are lending responsibly, we conduct regular reviews of all our accounts. NewDay will provide 30 days’ notice of any change and you will have the opportunity to tell us that you do not want the increase and/or that you do not want to be considered for an increase in the future. If you do decide that you do not want the increase, we will not treat you any differently in the future.

What happens if I go over my credit limit?

What happens if I go over my credit limit?

You will be charged a £12 fee for exceeding your credit limit and this will affect your credit file and may make it more difficult for you to get credit in the future. Any over limit amounts are immediately repayable. If you have any promotional offers such as Buy Now Pay Later your promotion will be cancelled and you will pay the standard purchase rate.


Can NewDay decrease my credit limit?

Can NewDay decrease my credit limit?

NewDay regularly review credit limits to make sure that customers have a credit limit that we believe is right for them. We are committed to lend responsibly and so our lending policy ensures that our customers don't become overburdened with credit. The assessment of the limit available to our customers is based on a combination of information available from the credit reference agencies and the information that we have about how you have managed your account.

We may decrease your credit limit if we think that your credit limit is not right for you based on the way that you use your card, or the way that you manage your account or for any other good reason. We will let you know in advance of any decrease if we can, but this will not always be possible.


What if the credit limit offered doesn’t cover the purchases in my basket, can the remainder be paid using another credit/debit card?

Q. What if the credit limit offered doesn’t cover the purchases in my basket, can the remainder be paid using another credit/debit card?

Yes you are able to do this in store, but not online.


Temporary Card Number

Why have I been asked further personal questions?

Why have I been asked further personal questions?

In order to provide you with a temporary card, NewDay need to ask additional questions to verify who you are. This is added as an extra level of security to protect consumers and businesses from fraud and money laundering. Once you have answered these questions correctly, we are able to provide you a temporary card and allow you to spend at wallis.co.uk straight away up to your temporary credit limit.

Can I use the temporary card online and in store?

Can I use the temporary card online and in store?

No, your temporary card can only be used online. You will be sent an email with your temporary card details included. You’ll also receive an SMS with your security code and you will need both of these details to purchase on online at wallis.co.uk.

 

Can I use the temporary card for multiple purchases?

Can I use the temporary card for multiple purchases?

Yes, up to your credit limit. Your temporary card limit may be lower than the credit limit you will have when you receive your Wallis Mastercard.

What will my credit limit be on the temporary card?

What will my credit limit be on the temporary card?

NewDay will use information you have provided and the information that NewDay receive from the credit reference agencies to decide the amount of credit that we think is affordable for you. The amount that you will be able to spend on your temporary card will be less than this. If you already have a temporary card, you can check what your temporary and full credit limits are by referring to the document we provided you that contains your temporary card details.

When will my temporary card expire?

When will my temporary card expire?

Your temporary card will expire after 7 days

Cards and PINs

When will I get my card?

When will I get my card?

You will receive your Wallis Mastercard within 10 working days of signing your credit agreement and the terms and conditions. If you are provided with a temporary card it will be available as soon as you are accepted for credit.

How do I activate my card?

How do I activate my card?

The main account holder must activate the Wallis Mastercard before it can be used. You can do this by calling 0800 915 2205*. Opening hours are: Monday to Sunday 8am to 9pm.

*Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

What should I do if I do not receive my Wallis Mastercard?

What should I do if I do not receive my Wallis Mastercard?

If you do not receive your Wallis Mastercard within 10 working days of a successful application, you should make NewDay aware by calling Card Services on 0333 220 2509*.

*Calls will cost no more than a standard national rate call. Lines are open seven days a week, 8am to 9pm. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

What do I do if my card is lost or stolen?
What do I do if I lose my card or it’s stolen?

As soon as you identify that your card has been lost/stolen, you should report it to us immediately on our Lost and Stolen Card Helpline on 0333 220 2531*. We will stop all transactions, block the card and will arrange for a replacement card to be sent to you as soon as possible.

*Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.
Where can I use my Wallis Mastercard?

Where can I use my Wallis Mastercard?

At over 32 million outlets worldwide, wherever the Mastercard logo is displayed.

How will I know that my card is a Chip and PIN card? (Only applicable to Mastercard)

How will I know that my card is a Chip and PIN card? (Only applicable to Mastercard)

Your Wallis Mastercard will be sent to you with accompanying information to state that it is Chip and PIN. We will also provide you with essential information about using Chip and PIN.

 
When will I get my PIN? (Only applicable to Mastercard)

When will I get my PIN? (Only applicable to Mastercard)

You will receive your PIN within 7 days of signing your agreement. This will be sent in the post to the billing address of your Wallis Mastercard.

How do I change my PIN? (Only applicable to Mastercard)

How do I change my PIN? (Only applicable to Mastercard)

You can change your PIN at any cash machine displaying the Mastercard logo. Simply insert your Wallis Mastercard, type in your PIN, select PIN Services and follow the simple instructions.

What if I forget my PIN or get it wrong? (Only applicable to Mastercard)

What if I forget my PIN or get it wrong? (Only applicable to Mastercard)

You'll have three chances to enter your PIN correctly when you're trying to pay. If you enter it incorrectly three times in a row, your PIN will be locked and you'll need to call Customer Services to request a new PIN. Customer services can be reached by calling 0333 220 2509*. Opening hours are: Monday to Sunday 8am to 9pm, an automated service is also available Monday to Sunday 4am to 11pm. You will receive your PIN reminder within 7 days, and you will need to unlock the PIN at an ATM.

*Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

If I lose or forget my PIN, how do I get a PIN reminder? (Only applicable to Mastercard)

If I lose or forget my PIN, how do I get a PIN reminder? (Only applicable to Mastercard)

You'll need to call Customer Services to request a PIN reminder. Customer services can be reached by calling 0333 220 2509*. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm. You will receive a PIN reminder within 7 days.

*Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

 
When will I get my PIN reminder? (Only applicable to Mastercard)

When will I get my PIN reminder? (Only applicable to Mastercard)

You will receive your PIN reminder within 7 working days, and you will then need to unlock the PIN at an ATM.

Will I need to use my PIN when buying online, over the phone or via mail order? (Only applicable to Mastercard)

Will I need to use my PIN when buying online, over the phone or via mail order? (Only applicable to Mastercard)

No, you would only need to enter your PIN when purchasing in store. You may be asked to enter the 3 digit security code shown on the back of your card when purchasing online. Remember never reveal your PIN to anyone.

Can I use my Chip and PIN card abroad? (Only applicable to Mastercard)

Can I use my Chip and PIN card abroad? (Only applicable to Mastercard)

Chip and PIN has been introduced in most countries. Where this is not the case, you will be asked to sign a receipt. Therefore it is very important you still sign the back of your card as soon as you receive it.


Balance Transfers (only applicable to Mastercard)

What is a Balance Transfer?

What is a Balance Transfer?

A Balance Transfer is a facility you may be offered if you are accepted for an Wallis Mastercard. It enables you to transfer a balance held on another card(s) to your new Wallis Mastercard.

Is there a fee for Balance Transfers?

Is there a fee for Balance Transfers?

The Balance Transfer handling fee is up to 5% of the amount transferred and will be charged each time you make a transfer. NewDay will let you know the fee payable when you request a balance transfer. After a Balance Transfer has been processed, you cannot cancel it and the Balance Transfer fee cannot be refunded to you. If you exercise your right to withdraw from your credit card agreement within 14 days of receiving your card, the fee will be refunded.

How can I request a Balance Transfer?

How can I request a Balance Transfer?

To request a Balance Transfer, your Wallis Mastercard must be activated and you should call Customer Services on 0333 220 2509*. Please have the full details of the balances you want to transfer to hand.

*Calls will cost no more than a standard national rate call. Lines are open seven days a week, 8am to 9pm. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

How long will it take to process a Balance Transfer?

How long will it take to process a Balance Transfer?

It may take up to 10 working days to complete a Balance Transfer. You should continue making monthly repayments to your existing card providers until the transfer shows on your account with them.

How much can I transfer?

How much can I transfer?

You can transfer any amount from £100 up to 95% of your credit limit. All or part of the balance(s) requested may be transferred subject to your credit limit and to NewDay’s approval.

Can I transfer balances from a number of financial providers?

Can I transfer balances from a number of financial providers?

Yes, subject to approval, you can transfer balances from a number of accounts and financial providers – providing they are UK credit card/store card balances. However, you cannot transfer balances from another card provided by NewDay Ltd. All transfers are subject to NewDay’s approval.

When will interest be charged on my Balance Transfer?

When will interest be charged on my Balance Transfer?

Interest will be charged at the end of the promotional period and we will let you know what this is before your balance transfer is processed.

What happens if I miss a payment or go over limit?

What happens if I miss a payment or go over limit?

If you do not make a requested payment in full and on time or if you go over limit, your Balance Transfer promotional period will end and NewDay will start to charge interest on your Balance Transfer. We will also charge a fee for missing a payment and/or going over limit.

Protecting you and your card

How can I protect my card from fraud and misuse?

How can I protect my card from fraud and misuse?

To avoid your card and account falling into the wrong hands, you should activate your card and sign the back of it as soon as you receive it.

If you already have your Wallis Mastercard, please memorise and destroy your PIN as soon as you (or your additional cardholder) receive it, and do not write it down unless you do it in such a way that it would be impossible for someone else to recognise it. If you change your PIN, make sure you choose it carefully. Never give your PIN to anyone else and don’t allow anyone else to see your PIN when entering it at a Chip and PIN terminal. If you have reason to suspect that someone has unauthorised access to your account, you should report it to Customer Services immediately by calling 0333 220 2509*. Opening hours are: Monday to Sunday 8am to 9pm, an automated service is also available Monday to Sunday 4am to 11pm.

*Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

What should I do if I don’t recognise a transaction on my account?

What should I do if I don’t recognise a transaction on my account?

Please contact Customer Services straightaway by calling 0333 220 2509*. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

*Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

How do I report my card lost or stolen?

How do I report my card lost or stolen?

You should report it to us immediately on our Lost and Stolen Card Helpline on 0333 220 2531*. We will stop all transactions, block the card and will arrange for a replacement card to be sent to you as soon as possible.

*Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.


What do I do if I suspect fraud on my account?

What do I do if I suspect fraud on my account?

Contact Customer Services immediately so that we can investigate this for you. Customer services can be reached by calling 0333 220 2509*. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

*Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

In what circumstances will NewDay suspend use of the card?

In what circumstances will NewDay suspend use of the card?

NewDay may at any time suspend your right to use the card or the account; we may do this where we reasonably consider that this is necessary because of reasons relating to the security of your card or account; suspected unauthorised or fraudulent use of the card; or if you have broken the terms of your agreement.


Rates and charges

What is estimated interest?

What is estimated interest?

The estimated interest amount gives you an indication in advance of how much interest you could be asked to pay on your next statement and will help you manage your finances more effectively.

The estimated amount is based on the following assumptions:

•You only pay the minimum payment amount shown on your statement.

•Your balance doesn't increase before your next statement date due to any more purchases, cash advances, Balance Transfers or Money Transfers.

•The minimum payment is applied to your account on the due date.

•The way we calculate interest doesn't change and the interest rate(s) (which can vary) used in the calculation are the same at next month's statement date as they are now.

•The amount takes no account of any delayed payment promotions we may offer in the period ahead.

 

 

Will I be charged extra for using my card abroad? (Only applicable to Mastercard)

Will I be charged extra for using my card abroad? (Only applicable to Mastercard)

You can make purchases at over 32 million places worldwide, wherever you see the Mastercard logo. Please note that occasionally, for fraud prevention and security purposes, transactions may be declined or referred when your Card is used abroad. NewDay Ltd adheres to a number of financial sanction regimes which may affect your ability to use your Card abroad. For details of any current restrictions, you should contact us before travelling. All transactions in currencies other than sterling will be converted into sterling on the day they are added to your Account at the Payment Scheme Exchange Rate (at the date and time the transaction is processed) together with the Non-Sterling Transaction Fee (2.75%). The Payment Scheme Exchange Rate used may differ from the rate when the transaction was made as exchange rates vary on a daily basis. The Payment Scheme Exchange Rate used when such transactions are made and the amount of the transactions in sterling following application of the exchange rate will be set out in your statement. For an indication of the Payment Scheme Exchange Rate you can visit Mastercard.co.uk.

What do NewDay mean by APR?

What do NewDay mean by APR?

It means the Annual Percentage Rate and is the annualised cost of credit; it also includes any fees, such as an annual fee, but not default charges. The APR is to help you to compare the cost of credit.

Where can I find my APR?

Where can I find my APR?

The APR applicable to your account will be shown on your credit agreement.


Is there an annual fee for the Evans Mastercard?

Is there an annual fee for the Wallis Mastercard?

No, there is no annual fee on the Wallis Mastercard.

Can I withdraw cash on my card? (Only applicable to Mastercard)

Can I withdraw cash on my card? (Only applicable to Mastercard)

Cash withdrawals are available on the Wallis Mastercard. You are able to withdraw cash from any cashpoint that displays the Mastercard logo. There is a cash advance fee of 3% or £3 (whichever is greater) every time you withdraw cash. There is no interest free period on cash withdrawals.

Can I use my card for gambling online?

Can I use my card for gambling online?

Yes, however please be aware that these are treated as cash transaction and the appropriate fees and interest will be charged on this type of transaction.

Can I purchase travel money or travellers cheques using my card?

Can I purchase travel money or travellers cheques using my card?

Yes, however please be aware that these are treated as cash transaction and the appropriate fees and interest will be charged on this type of transaction.

When does NewDay charge interest?

When does NewDay charge interest?

Interest is calculated from the date the transaction is added to your account until the balance is repaid in full unless you have a promotional offer in which case we will tell you how we charge interest on this at the time.


Why would NewDay change my interest rate?

Why would NewDay change my interest rate?

NewDay may change interest rates for the reasons set out in the terms and conditions. This could, for example, be to reflect rate moves in the market, increases in our operating or funding costs or if your personal circumstances change. We will always give you at least 30 days’ notice in writing of an interest rate increase and another 30 days to tell us that you would like to close your account and pay down the balance at the existing rate.

What other charges may be applied to my account?

What other charges may be applied to my account?

You can view other rates and charges by viewing the Summary Box.

How much will I have to pay to my account each month?

How much will I have to pay to my account each month?

The minimum payment will be the sum of:

(i) 1% of the Standard Balance shown on your statement (including the interest, Default Fees and arrears) plus 

(ii) the amount of any interest, and Default Fees charged to your Account in the current Statement Period plus

(iii) the amount of any arrears (which are immediately repayable), subject to this being a minimum of £5. If the total outstanding balance is less than £5, then the minimum payment due will be the total outstanding balance. If you are over your credit limit, this amount is immediately repayable too.

How are payments applied to my account?

How are payments applied to my account?

If you do not pay the account balance in full in any month, NewDay will apply your payment to the statemented transactions as follows:

i) It will be allocated to the different amounts of your outstanding statemented balance that are charged at higher interest rates before those that are charged at lower interest rates.

ii) If interest is charged at the same rate on different amounts, we will apply your payment to the different amounts in the following order: cash transactions, money transfers, payment protection insurance premiums, balance transfers, other promotional transactions, purchases and other transactions. If you have more than one promotional transaction at the same rate, your payment will be applied first to the promotional transaction that has the earliest promotional period start date.

Where an account fee is charged in connection with a transaction or promotional transaction, it will be applied by reference to that transaction type. Otherwise it will be applied after other transactions as set out in 2) above. We will apply any remaining payment to transactions not yet shown on your statement in the same order as set out above.

What should I do if I am experiencing financial difficulties?

What should I do if I am experiencing financial difficulties?

If you are having difficulties with your repayments please call NewDay Customer Services as early as possible and we can suggest ways to help. Customer services can be reached by calling 0333 220 2509*. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

*Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

Rates and charges

What is estimated interest?

What is estimated interest?

The estimated interest amount gives you an indication in advance of how much interest you could be asked to pay on your next statement and will help you manage your finances more effectively.

The estimated amount is based on the following assumptions:

•You only pay the minimum payment amount shown on your statement.

•Your balance doesn't increase before your next statement date due to any more purchases, cash advances, Balance Transfers or Money Transfers.

•The minimum payment is applied to your account on the due date.

•The way we calculate interest doesn't change and the interest rate(s) (which can vary) used in the calculation are the same at next month's statement date as they are now.

•The amount takes no account of any delayed payment promotions we may offer in the period ahead.

 

 

Will I be charged extra for using my card abroad? (Only applicable to Mastercard)

Will I be charged extra for using my card abroad? (Only applicable to Mastercard)

You can make purchases at over 32 million places worldwide, wherever you see the Mastercard logo. Please note that occasionally, for fraud prevention and security purposes, transactions may be declined or referred when your Card is used abroad. NewDay Ltd adheres to a number of financial sanction regimes which may affect your ability to use your Card abroad. For details of any current restrictions, you should contact us before travelling. All transactions in currencies other than sterling will be converted into sterling on the day they are added to your Account at the Payment Scheme Exchange Rate (at the date and time the transaction is processed) together with the Non-Sterling Transaction Fee (2.75%). The Payment Scheme Exchange Rate used may differ from the rate when the transaction was made as exchange rates vary on a daily basis. The Payment Scheme Exchange Rate used when such transactions are made and the amount of the transactions in sterling following application of the exchange rate will be set out in your statement. For an indication of the Payment Scheme Exchange Rate you can visit Mastercard.co.uk.

What do NewDay mean by APR?

What do NewDay mean by APR?

It means the Annual Percentage Rate and is the annualised cost of credit; it also includes any fees, such as an annual fee, but not default charges. The APR is to help you to compare the cost of credit.

Where can I find my APR?

Where can I find my APR?

The APR applicable to your account will be shown on your credit agreement.


Is there an annual fee for the Evans Mastercard?

Is there an annual fee for the Wallis Mastercard?

No, there is no annual fee on the Wallis Mastercard.

Can I withdraw cash on my card? (Only applicable to Mastercard)

Can I withdraw cash on my card? (Only applicable to Mastercard)

Cash withdrawals are available on the Wallis Mastercard. You are able to withdraw cash from any cashpoint that displays the Mastercard logo. There is a cash advance fee of 3% or £3 (whichever is greater) every time you withdraw cash. There is no interest free period on cash withdrawals.

Can I use my card for gambling online?

Can I use my card for gambling online?

Yes, however please be aware that these are treated as cash transaction and the appropriate fees and interest will be charged on this type of transaction.

Can I purchase travel money or travellers cheques using my card?

Can I purchase travel money or travellers cheques using my card?

Yes, however please be aware that these are treated as cash transaction and the appropriate fees and interest will be charged on this type of transaction.

When does NewDay charge interest?

When does NewDay charge interest?

Interest is calculated from the date the transaction is added to your account until the balance is repaid in full unless you have a promotional offer in which case we will tell you how we charge interest on this at the time.


Why would NewDay change my interest rate?

Why would NewDay change my interest rate?

NewDay may change interest rates for the reasons set out in the terms and conditions. This could, for example, be to reflect rate moves in the market, increases in our operating or funding costs or if your personal circumstances change. We will always give you at least 30 days’ notice in writing of an interest rate increase and another 30 days to tell us that you would like to close your account and pay down the balance at the existing rate.

What other charges may be applied to my account?

What other charges may be applied to my account?

You can view other rates and charges by viewing the Summary Box.

How much will I have to pay to my account each month?

How much will I have to pay to my account each month?

The minimum payment will be the sum of:

(i) 1% of the Standard Balance shown on your statement (including the interest, Default Fees and arrears) plus 

(ii) the amount of any interest, and Default Fees charged to your Account in the current Statement Period plus

(iii) the amount of any arrears (which are immediately repayable), subject to this being a minimum of £5. If the total outstanding balance is less than £5, then the minimum payment due will be the total outstanding balance. If you are over your credit limit, this amount is immediately repayable too.

How are payments applied to my account?

How are payments applied to my account?

If you do not pay the account balance in full in any month, NewDay will apply your payment to the statemented transactions as follows:

i) It will be allocated to the different amounts of your outstanding statemented balance that are charged at higher interest rates before those that are charged at lower interest rates.

ii) If interest is charged at the same rate on different amounts, we will apply your payment to the different amounts in the following order: cash transactions, money transfers, payment protection insurance premiums, balance transfers, other promotional transactions, purchases and other transactions. If you have more than one promotional transaction at the same rate, your payment will be applied first to the promotional transaction that has the earliest promotional period start date.

Where an account fee is charged in connection with a transaction or promotional transaction, it will be applied by reference to that transaction type. Otherwise it will be applied after other transactions as set out in 2) above. We will apply any remaining payment to transactions not yet shown on your statement in the same order as set out above.

What should I do if I am experiencing financial difficulties?

What should I do if I am experiencing financial difficulties?

If you are having difficulties with your repayments please call NewDay Customer Services as early as possible and we can suggest ways to help. Customer services can be reached by calling 0333 220 2509*. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

*Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

Managing your account

Can I manage my Wallis Mastercard account online?

Can I manage my Wallis Mastercard account online?

Yes. Using our Online Account Manager, you can change personal details, view transactions history, make payments, manage Direct Debits and view/print/download statements online 24 hours a day, 365 days a year.

When will I get a statement?

When will I get a statement?

You will receive a statement once a month, when there is any movement on the balance on your account. Your statement date will be determined by NewDay and you can find out this date by contacting Customer Services on 0333 220 2509*. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

* Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

Can I change the date I receive my statement?

Can I change the date I receive my statement?

No, your statement date is fixed and will be the same each month.

What are eStatements?

What are eStatements?

eStatements give you the same information as paper statements, but you view them through the Online Account Manager rather than receiving a paper copy by post. To sign up for eStatements - sign in to the Online Account Manager to update your preferences under ‘My details’. You can view, print and download your statements as and when it suits you. eStatements are free, completely secure and come in the same format as your paper statement. You will receive a reminder email each month to let you know that your statement is available which you can download and save at your convenience. eStatements are more secure - there is no need to file or shred old statements.

 

Making a Payment

Making a payment

When making payments please always quote your account number, this is the 16 digit number found on the top right hand corner of your statement. You do not need to contact us to confirm receipt of payments.

You can pay your account using any one of the following methods:

•By Direct Debit - You can set up a Direct Debit to pay the minimum payment amount, the full balance or a fixed amount on your card automatically every month (Remember if fixed amount selected this should cover the minimum payment and if it does not, we will always collect at least the minimum payment). You can also set up a Direct Debit using the Online Account Manager under ‘Manage payments’. Alternatively, you can call Customer Services on 0333 220 2509*. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

•By Internet or Telephone Banking - You'll need to provide your bank with our sort code 09-01-09, our account number 01000007, and your card number.

•By Telephone - Call Customer Services on 0333 220 2514* to pay using a debit card, you can also pay using our automated service and select option 1. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

•By Post - Please send your payment at least seven working days before the payment due date. Please do not send post-dated cheques or cash. Please ensure the cheque is made payable to NewDay Ltd, with the 16 digit account number included on the first line and send to NewDay Ltd, PO Box 218, Rotherham, S98 1NS.

•At any bank - Please make your payment by cheque or cash at least five working days before the payment due date by using the Bank Giro Credit slip attached to your statement – your bank may charge a fee for this service. Please ensure the cheque is made payable to NewDay Ltd, with the 16 digit account number included on the first line. •Online – Payments can be made online by logging onto your account and selecting the option to make a payment.

•In-store – Simply take your card into any UK Evans store and you will be able to pay your account using cash or a debit card. *Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

 

Can I change the date I pay my account?

Can I change the date I pay my account?

No, NewDay are unable to change payment due dates, as they are linked to when your statement is due, which is a fixed date.


How much can I pay each month?

How much can I pay each month?

You can pay whatever you like each month, but you must make at least the minimum payment. If you only make the minimum payment this will cost you more and it will take longer to clear your balance.

What is the minimum that I have to pay each month?

What is the minimum that I have to pay each month?

The minimum payment will be the sum of:

(i) 1% of the Standard Balance shown on your statement (including the interest, Default Fees and arrears) plus

(ii) the amount of any interest, and Default Fees charged to your Account in the current Statement Period plus

(iii) the amount of any arrears (which are immediately repayable) subject to this being a minimum of £5. If the total outstanding balance is less than £5, then the minimum payment due will be the total outstanding balance. If you are over your credit limit, this amount is immediately repayable too.


Will it cost me more if I only make the minimum payment?

Will it cost me more if I only make the minimum payment?

Yes. If you make only the minimum payment each month it will take you longer and cost you more to clear your balance due to incurring interest on your account.

What happens if I miss a payment?

What happens if I miss a payment?

You will incur a late payment charge of £12 and interest charges, you can view other rates and charges by viewing the Summary Box. We may also provide information to credit reference agencies and this may affect your ability to obtain credit.

Failing to keep up with your repayments will also result in any promotional offers being withdrawn.

Summary Box

Can I apply for an additional cardholder on my account?

Can I apply for an additional cardholder on my account?

Yes, you can add up to three people to your account at no extra cost. Additional cardholders must be over the age of 18, be your partner, spouse or a close relative, a permanent UK resident and live at the same address as you. You will be responsible for all use of the card by the additional card holders; they will also share your credit limit. You can request for any additional card holders to be added to your account when you first apply. If you are already a cardholder and wish to add someone to your account please log onto Online Account Manager or speak to Customer Services by calling 0333 220 2509*. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

*Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

How do I cancel an additional Cardholder on my account?

How do I cancel an additional Cardholder on my account?

To cancel your additional Cardholder call Evans Mastercard customer services on 0333 220 2509*, or for the Evans store card call 0333 220 2513*. Opening hours are: Monday to Sunday 8am to 9pm.

Please ensure that you cut the additional Cardholder’s Card into two pieces as you will remain responsible for the Card until it is has been effectively cancelled.

*Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

Can I re-open my account if I close it?

Can I re-open my account if I close it?

No, if you would like a new account, please apply again.


Are there any costs or charges if I decide I don’t want the card anymore?

Are there any costs or charges if I decide I don’t want the card anymore?

You will not pay any costs or charges if you decide to close your account.

How do I end the agreement if I decide I don’t want the card anymore?

How do I end the agreement if I decide I don’t want the card anymore?

Call Customer Services on 0333 220 2509* or write to us at: at NewDay Ltd, Customer Service Department, P.O. Box 700, Leeds LS99 2BD.

*Calls will cost no more than a standard national rate call. Lines are open seven days a week, 8am to 9pm. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

Contact us

Card activation

Card activation

To activate your Wallis Mastercard, please call us on: 0800 915 2205*. Opening hours are: Monday to Sunday 8am to 9pm.

*Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

Customer services

Customer services

To speak to customer services for your Wallis Mastercard, please call us on: 0333 220 2509*. 

To speak to customer services for your Wallis store card, please call us on: 0333 220 2508*. 

Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

*Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

Payments

Payments

To make a payment, please call us on: 0333 220 2509*. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

*Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

 
Lost or stolen

Lost or stolen

For lost, stolen cards or suspected fraudulent transactions, please call one of the following numbers: 

From the UK call us on: 0333 220 2531* 

Outside the UK call us on: +44 (0)208 181 0800*

*Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

 

Complaints

Complaints

If you have a complaint, please write to: 

Complaints Team 

NewDay Ltd 

PO Box 700 

Leeds 

LS99 2BD

If we do not resolve your complaint internally to your satisfaction, you can refer it to: The Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone 0300 123 9 123. E-mail: enquiries@financial-ombudsman.org.uk. Website: financial-ombudsman.org.uk 

You may find it helpful, before you are entitled to go the Financial Ombudsman Service, to make use of the Finance and Leasing Association's conciliation scheme to resolve your complaint. You can write to The Complaints Manager, Finance and Leasing Association, Imperial House, 15-19 Kingsway, London WC2B 6UN. Fax: 020 7420 9600. Email: code@fla.org.uk 

 

Who are NewDay Ltd and how do I contact them?

Who are NewDay Ltd and how do I contact them?

NewDay Ltd issue and operate the Wallis Mastercard and store cards.

Key facts about NewDay Ltd:

Contact address: Customer Services, NewDay Ltd, PO Box 700, Leeds, LS99 2BD.

Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively and together form part of the NewDay Group of Companies.

The registered office for these companies is: 7 Handyside Street, London, N1C 4DA. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority with numbers 690292 and 682417 respectively. NewDay Ltd is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. The NewDay trademarks are used by NewDay Ltd under licence from NewDay Cards Ltd.

NewDay Ltd and NewDay Cards Ltd. are registered with the Office of the Information Commissioner – New Day Ltd Data Protection Register Entry Number Z272680X and Z5599433 respectively.

VAT Registration Number 100 1745 76.

NewDay Ltd is a member of the Finance and Leasing Association (FLA) and subscribes to the FLA’s Lending Code. NewDay Ltd also adheres to the Standards of Lending Practice which are independently monitored by the Lending Standards Board. For further information, or to see a full copy of the Standards of Lending Practice, please visit www.lendingstandardsboard.org.uk.

If you'd like to find out more, please visitnewday.co.uk  

Privacy Policy

Introduction

Introduction

This privacy policy sets out how we and the retailer whose name appears on the front of your card ("the retailer") will look after your personal information. We know how important this is to you, so we have described how we will use your personal information as clearly as possible so that you can decide whether you want to give your personal information to us so that we can give you the products and services that you want. In this Privacy Policy "we" or "us" refers to NewDay Ltd, its parent company NewDay Cards Ltd and any other companies in the group to which they belong (the NewDay Group) and "you" refers to anyone whose personal data we hold. The retailer group refers to any company in the group to which the retailer belongs. The retailer credit cards are issued and administered by NewDay Ltd. We may hold information about you even if we do not offer you a card the first time that you apply to us and we will continue to keep data about you after your account is closed. We will not hold information that is excessive or where there is no reason to continue to hold the information. We and the retailer will keep your personal data confidential and secure and give it to others only for the purposes explained in this Privacy Policy. All our employees and those of the retailer are personally responsible for keeping your personal information confidential. We provide training to all employees to remind them about their obligations. We may change this Privacy Policy from time to time and we will put any updates on our website.

 

Where we obtain your information

Where we obtain your information

We get information about you from a number of sources. For example, information that:

•you give us when you apply to us;

•the retailer gives to us;

•you give to us in emails, letters, during phone calls, when registering for services or in any other way; we may keep any phone number you call us from and details about the IP address, operating system and browser that you use;

•you give when you participate in customer surveys, promotions or competitions;

•we or the retailer already hold about you;

•we receive when making a decision about your application or account, including information we receive from enquiries and searches made at credit reference and fraud prevention agencies, from our business partners, from publicly available sources or anyone else who is allowed to give us information about you;

•we have about your account with us including details of transactions and payments;

•we collect using first party or third-party analytics tools to track page content and click/touch, movement, scroll, and keystroke activity;

•from insurers or other firms who provide services to you, including price comparison, aggregator or similar websites that you visited before clicking through to our website.

Information we hold

Information we hold

We are the data controller and we will hold and use the following personal information about you; the retailer may also hold this information:

•personal information such as your name, address, phone numbers, email address, date of birth, employment and banking and financial details;

•demographic and lifestyle information;

•details of your accounts and any products and how you use them;

•details of when we contact you and when you contact us;

•details of any additional cardholders on your account;

•information we receive when making a decision about you, which may include information about other credit that you have;

•details of other services you have through us or insurance;

•as well as any other information we reasonably need to operate your account, make decisions about you or fulfil our regulatory obligations. We may keep details of any phone number that you call us from and use it to contact you. When we are managing your account we and the retailer may be given sensitive information such as information about your health or medical information which we may hold and process to provide you with the services that you require.

 

Information we disclose

Information we disclose
We will keep your information confidential and only share it with others including the retailer for the purposes explained below and elsewhere in this policy. We and the retailer have trusted relationships with carefully selected third parties who carry out services on our behalf. All these third parties have a contract with us and have agreed to keep your personal information confidential and secure and only to use it for the purposes that we allow.
We and the retailer may share information about you to the following people and organisations to:
Operate your account and provide services
•any person working for a company within the NewDay Group or the retailer group;
•any firm, organisation or person that we use to help us to operate our business, to provide services, to collect payment, to recover debts and to whom we may sell, or consider selling your debts;
•a price comparison, aggregator or similar website that you visited before clicking through to our website whether or not you provided them with any personal information at that time;
•any firm, organisation or person together with whom we provide products and services;
•any payment system we may use;
•any firm that provides analytical, market research or similar services to us;
•the insurers with whom you have any policy related to your credit card so that they may administer your policy.
Manage your account
•any person who has told us that they are, and who we reasonably believe to be, your close relative, carer or helper where you are unable to handle your own affairs because of mental capacity, ill health or other similar issues;
•any additional cardholder on your account.
Prevention of crime and terrorism
•certain authorities in order to detect and prevent terrorism (including to authorities outside the UK);
•regulators, including the Financial Conduct Authority, ombudsmen and other authorities including tax authorities, (including those overseas), where we are requested by them to do so.
Credit Reference Agencies
•Credit Reference Agencies and Fraud Prevention Agencies or any similar agencies as further explained below.
Business Transfers
•We may in the future wish to sell, transfer or merge part or all of our business or assets, or any associated rights or interests or to acquire another business. If we do so, we may disclose your personal information to a potential buyer, transferee, merger partner or seller and their advisers with whom we are in talks so long as they agree to keep your information confidential and to use it only in relation to the possible transactions. If the transaction goes ahead, the purchaser, transferee or merger partner may use your personal information in the same way as set out in this notice;
•We may sell your debt to a third party, but if we do, we will require them to keep your personal information secure.

How we use your information we hold

How we use your information we hold

We will use your information to:

•search Credit Reference Agencies and Fraud Prevention Agencies;

•make, or assist in making, credit decisions about you, assess lending risks and to check the details that you have let us and others have;

•operate and manage your account and manage any application, agreement or correspondence you may have with us and to conduct financial reviews;

•perform other administrative and operational purposes including the testing of systems;

•monitor and analyse our business, including to carry out customer modelling and statistical, trend and transactional analysis;

•form a view of you as an individual and to identify, develop or improve products that may be of interest to you and to carry out market research; •provide you with products and services and tell you about changes to these products and services;

•(where you consented to marketing during the application process) contact you by email, sms, post, phone or in any other way (including online and via social media) about our products and services unless you tell us that you prefer not to receive marketing by contacting our Customer Services Team as set out below;

•carry out audits;

•trace your whereabouts;

•recover any debt you owe us;

•provide information to independent external bodies such as government departments and agencies, universities and similar to carry out research;

•comply with our regulatory obligations and to identify, prevent, detect or tackle fraud, money laundering, terrorism and other crimes. Your data may also be used for other purposes for which you give your permission or where we are permitted to do so by law or it is in the public interest to disclose the information or is otherwise permitted under the terms of the Data Protection Act 1998..

 

Security

Security

We know how important it is to keep your personal information secure. We protect that information using strong encryption when data is both being transferred and when at rest. Access to data is strictly controlled. We use firewalls and other security measures to protect our servers and networks from external attack. Our security systems meet or exceed industry standards..

 

Using companies to process your information outside the UK

Using companies to process your information outside the UK

We may transfer your personal information to so that we can run your account and provide other services from:

- countries within the EEA (where the same data protection standards apply as in the UK);

- countries outside the EEA; if we do so, we will require that your personal information is handled and protected to at least EEA standards. We may process payments through other financial institutions such as banks and the worldwide payments system operated by the SWIFT organisation.

These external organisations may process and store your personal information abroad and may have to disclose it to overseas authorities to help them to fight against crime and terrorism. If these authorities are outside the EEA, your personal information may not be protected to the same standards as in the EEA.

 

Using credit scoring

Using credit scoring

When you apply to us for credit, we may use an automated system known as credit scoring to help us decide whether to lend to you. It is a way of assessing how much you are able to afford to borrow and how you are likely to manage your account. Most lenders use credit scoring to help make fair and informed decision about lending. Credit scoring takes account of information from three sources – the information you give us on your application, information provided by credit reference agencies and fraud prevention agencies, including information about how you manage similar accounts and information that may already be held about you by the NewDay Group. Credit scoring methods are regularly reviewed to ensure they remain fair, effective and unbiased. Using credit scoring helps us to lend responsibly.

 

How we check your identity

How we check your identity

As well as searching credit reference agencies, we may ask you to provide physical forms of identity when you apply for a credit card..

 

Declined applications

Declined applications

If you apply to us but we are unable to offer you a credit card you can contact us within 21 days to ask to have the decision reconsidered.

We will keep your data for statistical analysis, fraud prevention and credit scoring purposes. Where you consented to this during the application process, we may also contact you by post, email, SMS, phone or in any other way (including online and via social media) about our products and services - unless you tell us that you prefer not to receive marketing by contacting our Customer Services Team on 0333 220 2514*. Opening hours are: Monday to Sunday 8am to 9pm.

*Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

 

Access to your information

Access to your information

Under the Data Protection Act 1998 you have a right to access certain personal records that we hold about you. This is called a data subject access request and you can make a request by writing to Customer Services Team, NewDay Ltd, PO Box 700, Leeds LS99 2BD. A fee is payable. We want to make sure that your personal information is accurate and up to date. You may ask us to correct or remove any data that you think is no longer up to date. You have a right under the Consumer Credit Act 1974 to request credit reference agencies to provide you with information that they hold about you. A fee is payable.

 

Contact from NewDay group and retailer group

Contact from NewDay group and retailer group

We and the retailer, or members of either group, may send you information directly related to your card and from which you may benefit about, for example, retailer offers, loyalty points or cardholder promotions. As part of the application process we ask whether you wish to receive marketing from us. We will not send you marketing communications if you ask us not to. If you ticked yes, but no longer wish to receive such communications, please let us know by writing to Customer Services Team, NewDay Ltd, PO Box 700 Leeds LS99 2BD or phoning us on the number set out on your card or statement. We want to make sure that we provide excellent customer service and we use various means of communication to do this including phone, post, email and sms. You can choose the way in which you would like to be contacted.

 

Recording phone calls

Recording phone calls

We may monitor or record phone calls with you in case we need to check that we have carried out your instructions correctly, to resolve queries or issues, for regulatory purposes, to help improve the quality of our service, to manage your account and to help detect or prevent fraud or other crimes. Conversations may also be monitored for staff training purposes.

 

Social networking sites

Social networking sites

As part of our commitment to understand our customers better, we may research comments and opinions made public on social networking sites, such as Twitter and Facebook.

 

Important data protection - what we do

Important data protection – what we do

A Guide to the use of your personal data by Credit Reference and Fraud Prevention Agencies NewDay Ltd and the NewDay Group

 

Please read this section very carefully.

 

When you apply to us to open an account, we will:

a) Check our own records for information on:

• Any account you and, if you have one, your financial associate may have or have had with us. A financial associate is someone with whom you have a personal relationship that creates a joint financial unit in a similar way to a married couple. You will have been living at the same address at the time. It is not intended to include temporary arrangements such as students or rented flat sharers or business relationships. Credit reference agencies may link together the records of people that are part of a financial unit. They may do this when people are known to be linked, such as being married or have jointly applied for credit or have joint accounts. They may also link people together if they, themselves, state that they are financially linked.

b) Search at credit reference agencies for information on:

• Your personal accounts;

• and, if have ever previously made joint applications or have joint accounts that are financially linked, we will check your financial associates’ personal accounts as well;

• very occasionally if there is insufficient information to enable us to assist you, we may also use information about other members of your family;

• if you are a director or partner in a small business we may also check on your business accounts.

c) Search at fraud prevention agencies for information on you and any addresses at which you have lived and on your business (if you have one)

 

What we do with the information you supply to us as part of the application:

Information that is supplied to us will be sent to the credit reference agencies.

If you are making a joint application or tell us that you have a spouse or financial associate, we will:

i. Search, link and/or record information at credit reference agencies about you both.

ii. Link any individual identified as your financial associate, in our own records

iii. Take both your and their information into account in future applications by either or both of you.

iv. Continue this linking until the account closes and one of you notifies us that you are no longer linked.

 

So you must be sure that you have their agreement to disclose information about them.

 

If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to fraud prevention agencies and other organisations involved in crime and fraud prevention.

 

Your data may also be used by us to offer you other products, but only if you have given your permission. That will be on any application that you have completed. With the information that we obtain we will:

• Assess this application for credit and/or;

• Check details on applications for credit and credit related or other facilities and/or;

• Verify your identity and the identity of your spouse, partner or other directors/partners (if any) and/or;

• Undertake checks for the prevention and detection of crime, fraud and/or money laundering.

We may use scoring methods to assess this application and to verify your identity.

Any or all of these processes may be automated.

 

What we do when you have an account:

Where you borrow or may borrow from us, we will give details of your personal and/or business account (if you have one), including names and parties to the account and how you manage it/them to credit reference agencies.

 

If you borrow and do not repay in full and on time, we will tell credit reference agencies.

 

We may make periodic searches of our own group records and at credit reference agencies to manage your account with us, including whether to make credit available, increase the amount of credit available or to continue or extend existing credit. We may also check at fraud prevention agencies to prevent or detect fraud.

 

Important data protection – what credit reference and fraud prevention agencies do

Important data protection – what credit reference and fraud prevention agencies do

A Guide to the use of your personal data by Credit Reference and Fraud Prevention Agencies NewDay Ltd and the NewDay Group

 

Please read this section very carefully.

 

When credit reference agencies receive a search from us they will:

Place a search “footprint” on your credit file whether or not this application proceeds. If the search was for a credit application the record of that search (but not the name of the organisation that carried it out) may be seen by other organisations when you apply for credit in the future.

 

Link together the records of you and anyone that you have advised is your financial associate including previous and subsequent names of parties to the account. Links between financial associates will remain on your and their files until such time as you or your partner successfully files for a disassociation with the credit reference agencies.

 

Financial associates may "break the link" between them if their circumstances change such that they are no longer a financial unit. They should apply for their credit file from a credit reference agency and file for a "disassociation".

 

They will supply to us:

• Credit information such as previous applications and the conduct of the accounts in your name and of your associate(s) (if there is a link between you) and/or your business accounts (if you have one).

• Public information such as County Court Judgments (CCJs) and bankruptcies.

• Electoral Register information.

• Fraud prevention information.

 

When information is supplied by us, to them, on your account(s):

Credit reference agencies will record the details that are supplied on your personal and/or business account (if you have one) including any previous and subsequent names that have been used by the accountholders and how you/they manage it/them.

If you borrow and do not repay in full and on time, credit reference agencies will record the outstanding debt.

Records shared with credit reference agencies remain on file for 6 years after they are closed, whether settled by you or defaulted.

 

How your data will NOT be used by credit reference agencies:

It will not be used to create a blacklist.

It will not be used by the credit reference agency to make a decision.

 

How your data WILL be used by credit reference agencies:

The information which we and other organisations provide to the credit reference agencies about you, your financial associates and your business (if you have one) may be supplied by credit reference agencies to other organisations and used by them to

i. Prevent crime, fraud and money laundering by, for example checking details provided on applications for credit and credit related or other facilities

ii. Check the operation of credit and credit-related accounts

iii. Verify your identity if you or your financial associate applies for other facilities.

iv. Make decisions on credit and credit related services about you, your partner, other members of your household or your business.

v. Manage your personal, your partner’s and/or business (if you have one) credit or credit related account or other facilities.

vi. Trace your whereabouts and recover debts that you owe. vii. Undertake statistical analysis and system testing.

 

How your data may be used by fraud prevention agencies:

i. The information which we provide to the fraud prevention agencies about you, your financial associates and your business (if you have one) may be supplied by fraud prevention agencies to other organisations and used by them and us to prevent crime, fraud and money laundering by, for example;

a. checking details provided on applications for credit and credit related or other facilities

b. Managing credit and credit related accounts or facilities

c. Cross Checking details provided on proposals and claims for all types of insurance.

d. Checking details on applications for jobs or when checked as part of employment.

ii. Verify your identity if you or your financial associate applies for other facilities including all types of insurance proposals and claims.

iii. Trace your whereabouts and recover debts that you owe.

iv. Conduct other checks to prevent or detect fraud

v. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

vi. Undertake statistical analysis and system testing.

 

Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.

 

Your data may also be used to offer you other products, but only where permitted

 

Important data protection – how to find out more

Important data protection – how to find out more

A Guide to the use of your personal data by Credit Reference and Fraud Prevention Agencies NewDay Ltd and the NewDay Group

Please read this section very carefully

You can contact the CRAs currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee.

• CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0330 024 7574 or callcredit.co.uk

• Equifax Ltd, Customer Service Centre, P.O. Box 10036, Leicester LE3 4FS or call 0844 335 0550 or equifax.co.uk

• Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0344 481 8000 or experian.co.uk

 

Please contact us at Customer Services Team, NewDay Ltd, PO Box 700, Leeds LS99 2BD if you want to receive details of the relevant fraud prevention agencies.

 

Important data protection - questions and answers

Important data protection – questions and answers

 

A Guide to the use of your personal data by Credit Reference and Fraud Prevention Agencies NewDay Ltd and the NewDay Group

 

Please read this section very carefully

 

Q: What is a credit reference agency?

A: Credit reference agencies (CRAs) collect and maintain information on consumers’ and businesses’ credit behaviour, on behalf of organisations in the UK.

 

Q: What is a fraud prevention agency?

A: Fraud Prevention Agencies (FPAs) collect, maintain and share, information on known and suspected fraudulent activity. Some CRAs also act as FPAs.

 

Q: Why do you use them when I have applied to your organisation?

A: Although you have applied to us [organisation name] and we will check our own records, we will also contact CRAs to get information on your credit behaviour with other organisations. This will help us make the best possible assessment of your overall situation before we make a decision.

 

Q: Where do they get the information?

A: publicly available information:

• The Electoral Register from Local Authorities

• County Court Judgments from Registry Trust.

• Bankruptcy (and other similar orders) from the Insolvency Service.

• Fraud information may also come from fraud prevention agencies.

• Credit information comes from information on applications to banks, building societies, credit card companies etc. and also from the conduct of those accounts.

 

Q: How will I know if my information is to be sent to a CRA or FPA?

A: You will be told when you apply for an account if your application data is to be supplied. The next section of this leaflet will tell you how, when and why we will search at CRAs and FPAs and what we will do with the information we obtain from them. We will also tell you if we plan to send payment history information on you or your business, if you have one, to CRAs. You can ask at any time the name of CRAs and FPAs.

 

Q: Why is my data used in this way?

A: We and other organisations want to make the best possible decisions we can, in order to make sure that you, or your business, will be able to repay us. Some organisations may also use the information to check your identity. In this way we can ensure that we all make responsible decisions. At the same time we also want to make decisions quickly and easily and, by using up to date information, provided electronically, we are able to make the most reliable and fair decisions possible.

 

Q: Who controls what such agencies are allowed to do with my data?

All organisations that collect and process personal data are regulated by the Data Protection Act 1998, overseen by the Information Commissioner’s Office. All credit reference agencies are in regular dialogue with the Commissioner. Use of the Electoral Register is controlled under the Representation of the People Act 2000.

 

Q: Can just anyone look at my data held at credit reference agencies?

A: No, access to your information is very strictly controlled and only those that are entitled to do so, may see it. Usually that will only be with your agreement or (very occasionally) if there is a legal requirement.

 

Cookie Policy

Protecting and managing your online privacy

Protecting and managing your online privacy

NewDay Ltd is committed to protecting you and any data (anonymous or otherwise that we collect about you online). This section tells you how we use cookies, why, and how this allows us to improve our service. It also tells you how you can manage the cookies stored on your device. We call it our “Cookies Policy”.

 

By using our websites (through any device) you agree that this Cookies Policy applies in addition to any other terms and conditions.

 

We reserve the right to make changes to our Cookies Policy. Any such changes shall appear here and become effective immediately. Your continued use of our websites is taken as meaning that you agree to any such changes. .

What is a cookie?

What is a cookie?

Cookies are files containing small amounts of information which are downloaded to the device you use whenever you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognises that cookie. Cookies do lots of different and useful jobs, such as remembering your preferences, and generally improving your online experience.

There are different types of cookies. They all work in the same way but have minor differences:

Session cookies

Session cookies last only for the duration of your visit and are deleted when you close your browser. These facilitate various tasks, such as allowing a website to identify that a user of a particular device is navigating from page to page, for supporting website security, or basic functionality.

Many of the cookies we use are session cookies. For example, they help us to ensure the security of your online account servicing session and can also keep you signed in while you move between pages or service your account.

Our session cookies used for security are designed to be very difficult to read, change, access or use except by us when you have an active Internet Banking session. They contain no personal information that can be used to identify an individual. Their names typically start with the letters IB e.g. IBSESSION, IBCOOKIE01, IBCOOKIE02.

Persistent cookies

Persistent cookies last after you have closed your browser and allow a website to remember your actions and preferences. Sometimes persistent cookies are used by websites to provide targeted advertising based upon the browsing history of the device.

NewDay Ltd uses persistent cookies in a few ways, for example, to remember your username for log in so you don’t have to (cookie named IBUserID). We also use persistent cookies to allow us to analyse customer visits to our site, for example our cookie named WT_fpc. These cookies help us to understand how customers arrive at and use our site, so we can improve the Internet Banking service.

First and third party cookies

Whether a cookie is a first or third party cookie depends on which website the cookie comes from. First party cookies are those set by, or on behalf of, the website visited. All other cookies are third party cookies. We use both first party and third party cookies.

Strictly necessary cookies

These cookies are essential in order to enable you to move around the website, use its features, and ensure the security of your online banking experience. Without these cookies services you have asked for, such as applying for products and managing your accounts, cannot be provided. These cookies don’t gather information about you for the purposes of marketing.

Performance cookies

These cookies collect information about how visitors use a website, for instance which pages visitors go to most often and if they get error messages from web pages. These cookies don’t collect information that identifies a visitor, although they may collect the IP address of the device used to access the site. All information these cookies collect is anonymous and is only used to improve how a website works, the user experience and to optimise advertising.

By using our websites you agree that we can place these types of cookies on your device, however you can block these cookies using your browser settings

Functionality cookies

These cookies allow the website to remember choices you make (such as your username). They may also be used to provide services you have requested such as watching a video. The information these cookies collect is anonymised (i.e. it does not contain your name, address, account details, etc.) and they do not track your browsing activity across other websites.

By using our websites you agree that we can place these types of cookies on your device, however you can block these cookies using your browser settings.

Targeting cookies

These cookies collect several pieces of information about your browsing habits. They are usually placed by advertising networks. They remember that you have visited a website and this information is shared with other organisations such as media publishers. These organisations do this in order to provide you with targeted advertising more relevant to you and your interests. This type of advertising is called online behavioural advertising and those companies providing this advertising are working with the UK’s Internet Advertising Bureau to deliver more information to consumers. To highlight this information, publishers of advertising will, in the future, look to place an icon in the top right hand corner of an advert. This icon when clicked, will take you through to the website Youronlinechoices where there is more help and guidance. In addition, NewDay seeks to only use advertising networks which are signed up to the IASH code of conduct for the placement of adverts. This code requires members to have their processes audited by a third party to ensure compliance. For more information on IASH please visit iash.org.uk.

By using our websites you agree that we can place these types of cookies on your device, however you can block these cookies using your browser settings.

What if I don’t want to accept cookies?

What if I don’t want to accept cookies?

If you wish to restrict or block the cookies which are set by any website, including NewDay websites, you should do this through the browser settings for each browser you use and on each device you use to access the internet.

Please be aware that some of our services, for example Internet Banking, will not function if your browser does not accept cookies. However, you can allow cookies from specific websites by making them “trusted websites” in your internet browser.

You may wish to visit allaboutcookies.org which contains comprehensive information on how to do this on a wide variety of browsers.