Common use of Making transactions Clause in Contracts

Making transactions. You and any additional cardholder can use your cards to make transactions such as cash withdrawals, purchases and any other use that we allow, including using another service provider to make an online payment on your behalf, with your permission. If you or any additional cardholder wants to make a transaction using your cards or card details, you’ll need to approve it so that we can check it’s genuine. You can do this using one of the following: • The card itself or another device, such as a mobile phone, to confirm your identity • A password, passcode, personal identifier, codes, personal identification number (PIN) • Biometric data such as voice recognition or behavioural data • A combination of the above, such as your card and PIN How we authorise your transactions When deciding whether we should authorise a transaction or not, we take into account amounts of money that have already been authorised but haven’t already been added to your account and interest, fees or charges that you might have to pay. When you make a transaction from your account, we’re not able to change or cancel it unless you withdraw your approval. You can only do this if the transaction is approved for a future date (for example, if you set up a regular payment) by contacting us or the retailer by the end of the business day before the transaction is due to be made. If you contact us to cancel a regular payment, you may also want to contact the retailer to ask them to stop requesting payments. We’ll try our best to stop the transaction from going through – but if for any reason it’s taken after you’ve asked for it not to be, we’ll refund the amount and any related interest or fees. When we may refuse transactions We may refuse to authorise a transaction if any of the following applies: • The transaction seems unusual compared with the way the card is normally used. • We reasonably suspect fraud or illegal activity. • The card is reported as lost or stolen. • We reasonably consider this is necessary to protect the security of your account. • We reasonably believe the transaction would damage our reputation. • We need to restrict the use of your account for any of the reasons set out below. • We have told you that we do not allow that type of transaction, for example, buying or trading cryptocurrencies such as Bitcoin. • The transaction relates to gambling, betting or gaming. • If any additional cardholder is no longer employed by you, we will block their transactions. Also, we may refuse a transaction if there’s a risk you’ll go over your business credit limit or your cash limit. By ‘cash limit’ we mean the limit on the value of transactions that get allocated to your cash balance. This may not be the same as your credit limit. If we authorise a transaction that would take you over your business credit limit or your cash limit, it doesn’t mean we’ve agreed to an increase in your limit. If we refuse a transaction but you’re not sure why, you can get in touch with us to find out. If we refuse a transaction, this agreement will continue, and we won’t be responsible for any loss or damages caused as a result. Restricting the use of your account We may prevent or limit the use of your account, stop service providers from making payments on your behalf, or end your ability to borrow more under this agreement, if we reasonably consider this is necessary for any of the following reasons: • To protect the security of your account. • Because we’re worried there may be unauthorised or fraudulent use of your account. • Because the risk of you not paying any current or future balance on your account has significantly increased. • Because we believe you no longer live or trade at the address we have on record for you, which means we may not be able to contact you. • Because allowing you to use your account means we may break a law, regulation, code or other duty that applies to us, or could expose us or other Barclays companies to action or criticism from any government, regulator or law-enforcement organisation. • You have used a feature of your account to tell us that you do not want to make future transactions or a certain type of transaction. • If you try to use your account to carry out transactions that we have told you that we will not authorise, for example, buying or trading in cryptocurrencies such as Bitcoin. If this happens, we’ll let you know at the time or get in touch with you by phone, email or post as soon as we can. Transaction limits If you use your card to withdraw cash, we might limit the number of these transactions or the amount you can withdraw on any day. We might also restrict your cash limit to a certain percentage of your overall business credit limit. If you’ve got a contactless card, this will have a maximum contactless limit. For each of these limits, we’ll let you know what they are and when they change. Making transactions in a foreign currency Non-sterling transactions will be converted to sterling at a reference exchange rate. The reference exchange rate is made up of the payment scheme exchange rate on the day the transaction is processed and the non-sterling transaction fee. The payment scheme exchange rate will be either the MasterCard or Visa exchange rate, depending on the card you use. The relevant payment scheme exchange rate is the one that applied on the date that MasterCard or Visa processed the non-sterling transaction, which may be different from the rate when the transaction took place. The payment scheme exchange rate changes daily. Please visit our website or get in touch with us to find out details about these exchange rates. You can see the cost of the currency conversion as a percentage mark-up against the European Central Bank (ECB) rates for several currencies under the ‘Compare the cost of spending abroad’ heading in the credit and charge card help section of our website. This information allows you to compare our rates against the rates issued by the ECB. You can use the information to compare rates offered by other providers. Refunds If you or an additional cardholder has agreed that a retailer in the UK or the European Economic Area can take a payment from your account (for example, if you’ve given your card details to a retailer for the purpose of making a payment), you can ask us to refund a payment if all of the following conditions apply: • The approval you gave didn’t specify the exact amount to be paid. • The amount charged to your account was more than you could reasonably have expected to pay, based on circumstances including your previous spending patterns. • You make the refund request within eight weeks of the date when the payment was charged to your account. You must give us any information we ask for that’s reasonably necessary for us to investigate whether or not you’re entitled to the refund. When we refund a payment we’ll also refund any related interest, fees and charges. We’ll only refund any other transaction that you’ve approved if the retailer asks us to. If you tell us that a transaction was not authorised, we will immediately refund the amount applied and return your account to the position it would have been in if the unauthorised transaction had not taken place. This means, for example, that we will refund interest or charges which we applied as a result of the unauthorised transaction. We will have no further liability to you. We may ask you to confirm in writing that you or an additional cardholder did not authorise the transaction. If we then discover that you were not entitled to a refund, we will treat the refund as a mistake and be entitled to reapply the transaction, including any interest and charges, to your account. Similarly, if we refund the transaction and then discover that the supplier has also refunded the transaction we will reapply the transaction to your account. If there are reasonable grounds for thinking that you may not be entitled to a refund, we may investigate before giving you a refund. Any investigation will be carried out as quickly as possible in the circumstances and, unless we can show that the transaction was authorised by you or an additional cardholder or that you are liable for the transaction under this agreement, we will immediately refund the amount applied and return your account to the position it would have been in if the unauthorised transaction had not taken place. You won’t be able to use a claim against the retailer (or anyone else) to make a claim against us, or to refuse to pay us. However, this doesn’t affect your rights under Section 75 of the Consumer Credit Act 1974 (or any replacement act or rule).

Making transactions. You and any additional cardholder can use your cards card to make transactions such as cash withdrawals, purchases purchases, balance or money transfers and any other use that we allow, including using another service provider to make an online payment on your behalf, with your permission. If you or any additional cardholder wants want to make a transaction using your cards card or card details, you’ll need to approve it so that we can check it’s genuine. You can do this using one of the following: • The card itself or another device, device such as a mobile phone, to confirm your identity • A password, passcode, personal identifier, codes, personal identification number (PIN) • Biometric data such as voice recognition or behavioural data • A combination of the above, such as your card and PIN How we authorise your transactions When deciding whether we should authorise a transaction or not, we take into account amounts of money that have already been authorised but haven’t already been added to your account and interest, fees or charges that you might have to pay. When you make a transaction from your account, we’re not able to change or cancel it unless you withdraw your approval. You can only do this if the transaction is approved for a future date (for example, if you set up a regular payment) by contacting us or the retailer by the end of the business day before the transaction is due to be made. If you contact us to cancel a regular payment, you may also want to contact the retailer to ask them to stop requesting payments. We’ll try our best to stop the transaction from going through – but if for any reason it’s taken after you’ve asked for it not to be, we’ll refund the amount and any related interest or fees. When we may refuse transactions We may refuse to authorise a transaction if any of the following applies: • The transaction seems unusual compared with the way the you normally use your card is normally used. • We reasonably suspect fraud or illegal activity. activity • The You’ve reported your card is reported as lost or stolen. stolen • We reasonably consider this is necessary to protect the security of your account. account • We reasonably believe the transaction would damage our reputation. reputation • We have told you that we do not allow that type of transaction • We need to restrict the use of your account for any of the reasons set out below. • We have told you that we do not allow that type of transaction, for example, buying or trading cryptocurrencies such as Bitcoin. below • The transaction relates to gambling, betting or gaming. • If any additional cardholder is no longer employed by you, we will block their transactions. gaming Also, we may refuse a transaction if there’s a risk you’ll go over either your business credit limit or your cash limit. By ‘cash limit’ we mean the limit on the value of transactions that get allocated to your cash balance. This may not be the same as your credit limit. If we authorise a transaction that would take you over your business credit cash limit or your cash credit limit, it doesn’t mean we’ve agreed to an increase in your limit. If we refuse a transaction but you’re not sure why, you can get in touch with us to find out. If we refuse a transaction, this agreement will continue, and we won’t be responsible for any loss or damages caused as a result. Restricting the use of your account We may prevent or limit the use of your account, stop service providers from making payments on your behalf, or end your ability to borrow more under this agreement, if we reasonably consider this is necessary for any of the following reasons: • To protect the security of your account. account • Because we’re worried there may be unauthorised or fraudulent use of your account. account • Because the risk of you not paying any current or future balance on your account has significantly increased. increased • Because we believe you no longer live or trade at the address we have on record for you, which means we may not be able to contact you. you • Because allowing you to use your account means we may break a law, regulation, code or other duty that applies to us, or could expose us or other Barclays companies to action or criticism from any government, regulator or law-enforcement organisation. organisation • You have used a feature of your account to tell us that you do not want to make future transactions or a certain type of transaction. transaction • If You have set up a paydown plan • You have been in persistent debt (where you’ve paid more in interest, fees and charges than you try have paid towards paying back what you’ve borrowed) for two consecutive 18-month periods, and you have not yet repaid your balance • You have set up a paydown plan on another account with us, but you have not kept to use your account to carry out transactions the terms and conditions of that we have told you that we will not authorise, for example, buying or trading in cryptocurrencies such as Bitcoin. If this happens, weplan We’ll let you know at the time or get in touch with you by phone, email or post to tell you this has happened as soon as we can. Transaction limits If you use your card to withdraw cash, we might limit the number of these transactions or the amount you can withdraw on any day. We might also restrict your cash limit to a certain percentage of your overall business credit limit. If you’ve got a contactless card, this will have a maximum contactless limit. For each of these limits, we’ll let you know what they are and when they change. Making transactions in a foreign currency Non-sterling transactions will be converted to sterling at a reference exchange rate. The reference exchange rate For purchases this is made up of the payment scheme exchange rate on the day the transaction is processed and the non-sterling transaction purchase fee. For cash transactions, the non-sterling purchase fee is not included. The payment scheme exchange rate will be either the MasterCard Visa or Visa Mastercard exchange rate, depending on the card you use. The relevant payment scheme exchange rate This is the one rate that applied on the date that MasterCard or Visa the payment scheme processed the non-sterling transaction, which may be different from the rate when the transaction took place. The payment scheme exchange rate changes daily. Please visit our website or get in touch with us to find out details about these exchange rates. You can see the cost of the currency conversion as a percentage markxxxx-up against the European Central Bank (ECB) rates for several currencies under the ‘Compare the cost of spending abroad’ heading in the credit and charge card help Using Your Card Abroad section of our website. This information allows you to compare our rates against the rates issued by the ECB. You can use the information to compare rates offered by other providers. Refunds If You may receive an electronic notification telling you or an additional cardholder has agreed that a retailer in the UK or the European Economic Area can take a payment from your account (for example, if you’ve given your card details to a retailer for the purpose of making a payment), you can ask us to refund a payment if all cost of the following conditions apply: • The approval you gave didn’t specify the exact amount to be paid. • The amount charged to your account was more than you could reasonably have expected to pay, based on circumstances including your previous spending patterns. • You make the refund request within eight weeks of the date when the payment was charged to your account. You must give us any information we ask for that’s reasonably necessary for us to investigate whether or not you’re entitled to the refund. When we refund a payment we’ll also refund any related interest, fees and charges. We’ll only refund any other transaction that you’ve approved if the retailer asks us to. If you tell us that a transaction was not authorised, we will immediately refund the amount applied and return your account to the position it would have been in if the unauthorised transaction had not taken place. This means, for example, that we will refund interest or charges which we applied currency conversion as a result of percentage xxxx-up against the unauthorised transactionECB rates. We will only send this notification if we have no further liability to youdo so by law. You agree that we can send you the notification by text message, email, online account servicing or through our app. We may ask will tell you to confirm in writing that you or an additional cardholder did not authorise the transaction. If we then discover that you were not entitled to a refund, how we will treat send the refund as a mistake and be entitled to reapply the transaction, including any interest and charges, to your account. Similarly, if notifications before we refund the transaction and then discover that the supplier has also refunded the transaction we will reapply the transaction to your account. If there are reasonable grounds for thinking that you may not be entitled to a refund, we may investigate before giving you a refund. Any investigation will be carried out as quickly as possible in the circumstances and, unless we can show that the transaction was authorised by you or an additional cardholder or that you are liable for the transaction under this agreement, we will immediately refund the amount applied and return your account to the position it would have been in if the unauthorised transaction had not taken place. You won’t be able to use a claim against the retailer (or anyone else) to make a claim against us, or to refuse to pay us. However, this doesn’t affect your rights under Section 75 of the Consumer Credit Act 1974 (or any replacement act or rule)send it.

Making transactions. You and any additional cardholder can use your cards card to make transactions such as cash withdrawals, purchases purchases, balance transfers and any other use that we allow, including using another service provider to make an online payment on your behalf, with your permission. If you or any additional cardholder wants want to make a transaction using your cards card or card details, you’ll 'll need to approve it so that we can check it’s 's genuine. You can do this using one of the following: • The card itself or another device, such as a mobile phone, to confirm your identity • A password, passcode, personal identifier, codes, personal identification number (PIN) • Biometric ), or biometric data such as voice recognition or behavioural data • A combination of the above, such as your card and PIN How we authorise your transactions When deciding whether we should authorise a transaction or not, we take into account amounts of money that have already been authorised but haven’t n't already been added to your account and interest, fees or charges that you might have to pay. When you make a transaction from your account, we’re 're not able to change or cancel it unless you withdraw your approval. You can only do this if the transaction is approved for a future date (for example, if you set up a regular payment) by contacting us or the retailer by the end of the business day before the transaction is due to be made. If you contact us to cancel a regular payment, you may also want to contact the retailer to ask them to stop requesting payments. We’ll 'll try our best to stop the transaction from going through – - but if for any reason it’s 's taken after you’ve 've asked for it not to be, we’ll 'll refund the amount and any related interest or fees. When we may refuse transactions We may refuse to authorise a transaction if any of the following applies: • The transaction seems unusual compared with the way the you normally use your card is normally used. • We reasonably suspect fraud or illegal activity. activity • The You've reported your card is reported as lost or stolen. stolen • We reasonably consider this is necessary to protect the security of your account. account • We reasonably believe the transaction would damage our reputation. reputation • We need to restrict the use of your account for any of the reasons set out below. • We have told you that we do not allow that type of transaction, for example, buying or trading cryptocurrencies such as Bitcoin. • The transaction relates to gambling, betting or gaming. • If any additional cardholder is no longer employed by you, we will block their transactions. below Also, we may refuse a transaction if there’s 's a risk you’ll 'll go over either your business credit limit or your cash limit. By ‘'cash limit’ ' we mean the limit on the value of transactions that get allocated to your cash balance. This may not be the same as your credit limit. If we authorise a transaction that would take you over your business credit cash limit or your cash credit limit, it doesn’t n't mean we’ve 've agreed to an increase in your limit. If you go over your credit limit, you'll have to pay an over credit limit fee. If we refuse a transaction but you’re 're not sure why, you can get in touch with us to find out. If we refuse a transaction, this agreement will continue, and we won’t n't be responsible for any loss or damages caused as a result. Restricting the use of your account We may prevent or limit the use of your account, stop service providers from making payments on your behalf, or end your ability to borrow more under this agreement, if we reasonably consider this is necessary for any of the following reasons: • To protect the security of your account. account • Because we’re 're worried there may be unauthorised or fraudulent use of your account. account • Because the risk of you not paying any current or future the total outstanding balance on your account you owe has significantly increased. increased • Because we believe you no longer live or trade at the address we have on record for you, which means we may not be able to contact you. you • Because allowing you to use your account means we may break a law, regulation, code or other duty that applies to us, or could expose us or other Barclays companies to action or criticism from any government, regulator or law-enforcement organisation. • You have used a feature of your account to tell us that you do not want to make future transactions or a certain type of transaction. • If you try to use your account to carry out transactions that we have told you that we will not authorise, for example, buying or trading in cryptocurrencies such as Bitcoin. If this happens, we’ll let you know at the time or get in touch with you by phone, email or post as soon as we can. organisation Transaction limits If you use your card to withdraw cash, we might limit the number of these transactions or the amount you can withdraw on any day. We might also restrict your cash limit to a certain percentage of your overall business credit limit. If you’ve 've got a contactless card, this will have a maximum contactless limit. For each of these limits, we’ll 'll let you know what they are and when they change. Making transactions in a foreign currency Non-sterling Sterling transactions will be converted to sterling Sterling at a reference exchange rate. The reference exchange rate , which is made up of the payment scheme exchange rate on the day the transaction is processed (which may not be the same as the rate on the day the transaction took place) and the non-sterling Sterling transaction fee. The payment scheme exchange rate will be either the American Express, MasterCard or Visa exchange rate, depending on the card you use. The relevant payment scheme exchange rate is the one that applied on the date that American Express, MasterCard or Visa processed the non-sterling non- Sterling transaction, which may be different from the rate when the transaction took place. The payment scheme exchange rate changes daily. Please daily - please visit our website or get in touch with us to find out details about these exchange rates. You can see the cost of the currency conversion as a percentage mark-up against the European Central Bank (ECB) rates for several currencies under the ‘Compare the cost of spending abroad’ heading in the credit and charge card help section of our website. This information allows you to compare our rates against the rates issued by the ECB. You can use the information to compare rates offered by other providers. Refunds If you or an additional cardholder has agreed that a retailer in the UK or the European Economic Area can take a payment from your account (for example, if you’ve given your card details to a retailer for the purpose of making a payment), you can ask us to refund a payment if all of the following conditions apply: • The approval you gave didn’t specify the exact amount to be paid. • The amount charged to your account was more than you could reasonably have expected to pay, based on circumstances including your previous spending patterns. • You make the refund request within eight weeks of the date when the payment was charged to your account. You must give us any information we ask for that’s reasonably necessary for us to investigate whether or not you’re entitled to the refund. When we refund a payment we’ll also refund any related interest, fees and charges. We’ll only refund any other transaction that you’ve approved if the retailer asks us to. If you tell us that a transaction was not authorised, we will immediately refund the amount applied and return your account to the position it would have been in if the unauthorised transaction had not taken place. This means, for example, that we will refund interest or charges which we applied as a result of the unauthorised transaction. We will have no further liability to you. We may ask you to confirm in writing that you or an additional cardholder did not authorise the transaction. If we then discover that you were not entitled to a refund, we will treat the refund as a mistake and be entitled to reapply the transaction, including any interest and charges, to your account. Similarly, if we refund the transaction and then discover that the supplier has also refunded the transaction we will reapply the transaction to your account. If there are reasonable grounds for thinking that you may not be entitled to a refund, we may investigate before giving you a refund. Any investigation will be carried out as quickly as possible in the circumstances and, unless we can show that the transaction was authorised by you or an additional cardholder or that you are liable for the transaction under this agreement, we will immediately refund the amount applied and return your account to the position it would have been in if the unauthorised transaction had not taken place. You won’t be able to use a claim against the retailer (or anyone else) to make a claim against us, or to refuse to pay us. However, this doesn’t affect your rights under Section 75 of the Consumer Credit Act 1974 (or any replacement act or rule)rate.

Making transactions. You and any additional cardholder can use your cards card to make transactions such as purchases, cash withdrawalswithdrawals or cash-like transactions, purchases balance or money transfers and any other use that we allow, including using another service provider to make an online payment on your behalf, with your permission. If you or any additional cardholder wants want to make a transaction using your cards card or card details, you’ll need to approve it so that we can check it’s genuine. You can do this using one of the following: • The card itself or another device, such as a mobile phone, to confirm your identity • A password, passcode, personal identifier, codes, personal identification number (PIN) • Biometric data data, such as voice recognition or behavioural data • A combination of the above, such as your card and PIN How we authorise your transactions When deciding whether we should authorise a transaction or not, we take into account amounts of money that have already been authorised but haven’t already been added to your account and account, as well as interest, fees or charges that you might have to pay. When you make a transaction from your account, we’re not able to we can’t change or cancel it unless you withdraw your approval. You can only do this if the transaction is approved for a future date (for example, if you set up a regular payment) by contacting us or the retailer by the end of the business day before the transaction is due to be made. If you contact us to cancel a regular payment, you may also want to contact the retailer to ask them to stop requesting payments. We’ll try our best to stop the transaction from going through – but if for any reason it’s taken after you’ve asked for it not to be, we’ll refund the amount and any related interest or fees. When we may refuse transactions We may refuse to authorise a transaction if any of the following applies: • The transaction seems unusual compared with the way the you normally use your card is normally used. • We reasonably suspect fraud or illegal activity. activity • The You’ve reported your card is reported as lost or stolen. stolen • We reasonably consider this is necessary to protect the security of your account. account • We reasonably believe the transaction would damage our reputation. reputation • We’ve told you that we don’t allow that type of transaction • We need to restrict the use of your account for any of the reasons set out below. • We have told you that we do not allow that type of transaction, for example, buying or trading cryptocurrencies such as Bitcoin. below • The transaction relates to gambling, betting or gaming. • If any additional cardholder is no longer employed by you, we will block their transactions. gaming Also, we may refuse a transaction if there’s a risk you’ll go over either your business credit limit or your cash limit. By ‘cash limit’ we mean the limit on the value of transactions that get allocated to your cash balance. This may might not be the same as your credit limit. If we authorise a transaction that would take you over your business credit cash limit or your cash credit limit, it doesn’t mean we’ve agreed to an increase in your limit. If we refuse a transaction but you’re not sure why, you can get in touch with us to find out. If we refuse a transaction, this agreement will continue, and we won’t be responsible for any loss or damages caused as a result. Restricting the use of your account We may prevent or limit the use of your account, stop service providers from making payments on your behalf, or end your ability to borrow more under this agreement, if we reasonably consider this is necessary for any of the following reasons: • To protect the security of your account. account • Because we’re worried there may be unauthorised or fraudulent use of your account. account • Because we reasonably suspect that you’re using your card in a way we’ve told you isn’t allowed • Because the risk of you not paying any current or future balance on your account has significantly increased. increased • Because we believe you no longer live or trade at the address we have on record for you, which means we may might not be able to contact you. you • Because allowing you to use your account means we may might break a law, regulation, code or other duty that applies to us, or could expose us or other Barclays companies to action or criticism from any government, regulator or law-law- enforcement organisation. organisation • You have You’ve used a feature of your account to tell us that you do not don’t want to make future transactions or a certain type of transaction. transaction • If You’ve set up a paydown plan • You’ve been in persistent debt (where you’ve paid more in interest, fees and charges than you’ve paid towards paying back what you’ve borrowed) for two consecutive 18-month periods, and you try have not yet repaid your balance • You’ve set up a paydown plan on another account with us, but you haven’t kept to use your account to carry out transactions the terms and conditions of that we have told you that we will not authorise, for example, buying or trading in cryptocurrencies such as Bitcoin. If this happens, weplan We’ll let you know at the time or get in touch with you by phone, email or post to tell you this has happened as soon as we can. Transaction limits If you use your card to withdraw cash, we might may limit the number of these transactions or the amount you can withdraw on any in a single day. We might may also restrict your cash limit to a certain percentage of your overall business credit limit. If you’ve got a contactless card, this will have a maximum contactless limit. For each of these limits, we’ll let you know what they are and when they change. Making transactions in a foreign currency Non-sterling transactions will be converted to sterling at a reference exchange rate. The reference exchange rate For purchases this is made up of the payment scheme exchange rate on the day the transaction is processed and the non-sterling transaction purchase fee. For cash transactions, the non-sterling purchase fee isn’t included. The payment scheme exchange rate will be either the MasterCard Visa or Visa Mastercard exchange rate, depending on the card you use. The relevant payment scheme exchange rate This is the one rate that applied on the date that MasterCard or Visa the payment scheme processed the non-sterling transaction, which may might be different from the rate when the transaction took place. The payment scheme exchange rate changes daily. Please visit our website or get in touch with us to find out details about these exchange rates. You can see the cost of the currency conversion as a percentage mark-up against the European Central Bank (ECB) rates for several currencies under in the ‘Compare the cost of spending abroadUsing Your Card Abroad’ heading in the credit and charge card help section of our website. This information allows you to compare our rates against the rates issued by the ECB. You can use the information to compare rates offered by other providers. Refunds If you or an additional cardholder has you’ve agreed that a retailer in the UK or the European Economic Area can take a payment from your account (for example, if you’ve given your card details to a retailer for the purpose of making a payment), you can ask us to refund a payment if all of the following conditions apply: • The approval you gave didn’t specify the exact amount to be paid. • The amount charged to your account was more than you could reasonably have expected to pay, based on circumstances including your previous spending patterns. • You make the ask for a refund request within eight weeks of the date when the payment was charged to your account. You must give us any information we ask for that’s reasonably necessary for us to investigate whether or not you’re entitled to the refund. When we refund a payment we’ll also refund any related interest, fees and charges. We’ll only refund any other transaction that you’ve approved if the retailer asks us to. If you tell us that a transaction was not authorised, we will immediately refund the amount applied and return your account to the position it would have been in if the unauthorised transaction had not taken place. This means, for example, that we will refund interest or charges which we applied as a result of the unauthorised transaction. We will have no further liability to you. We may ask you to confirm in writing that you or an additional cardholder did not authorise the transaction. If we then discover that you were not entitled to a refund, we will treat the refund as a mistake and be entitled to reapply the transaction, including any interest and charges, to your account. Similarly, if we refund the transaction and then discover that the supplier has also refunded the transaction we will reapply the transaction to your account. If there are reasonable grounds for thinking that you may not be entitled to a refund, we may investigate before giving you a refund. Any investigation will be carried out as quickly as possible in the circumstances and, unless we can show that the transaction was authorised by you or an additional cardholder or that you are liable for the transaction under this agreement, we will immediately refund the amount applied and return your account to the position it would have been in if the unauthorised transaction had not taken place. You won’t be able to use a claim against the retailer (or anyone else) to make a claim against us, or to refuse to pay us. However, this This doesn’t affect your rights under Section 75 of the Consumer Credit Act 1974 (or any replacement act or rule).