Interest free credit

Wharton Goldsmith is able to offer an interest free credit agreement on items with a minimum sales value of £500. Unfortunately we are not able to offer this service through this online store. If you are interested in a certain item shown within our online jewellery store and are interested in purchasing it using our interest free credit facility, please visit either of our showrooms in St. Albans or Cambridge.

The interest free credit facility that we offer is provided by Barclays Partner Finance and a deposit of ten percent is required to take advantage of this facility. Upon successful application, you will receive a Wharton Goldsmith credit card with a recommended credit limit. This card can then be used at anytime in either of our showrooms (but not online) for further purchases.

What do I need to do to apply?

To apply for the interest free credit facility, there is a five step easy credit application form that can be filled out and processed in approximately five minutes. However, we will need to have proof of signature and proof of address. To verify this, you will need to bring the following documentation with you to either of our showrooms:

Passport or a photo driving license

And one of the following bills/statements that are less than six weeks old with your current address:

• Telephone bill
• Gas bill
• Electricity bill
• Water board bill
• Bank statement

The minimum lending criteria:

• You must be 18 years of age or over.
• You must be in regular employment (minimum 16 hours per week) and not of a temporary nature. Alternatively, you may be a homemaker living with a spouse who is in regular employment (your spouse's employment details will be required).
• You must be on the electoral register.
• You must have at least a three year residential history within the UK.

Use of Your Information

In considering your application Barclays Partner Finance will search your record at credit reference agencies. They will add to your record details of our search and your application and this will be seen by other organisations that make searches. Information held about you by the credit reference agencies may already be linked to records relating to one or more other persons. For the purposes of an application, you may be treated as financially linked and your application will be assessed with reference to any "associated" records. If you are a joint applicant or if you have informed Barclays Partner Finance of some other financial association with another person, you must be sure that you are entitled to: disclose information about your joint applicant and anyone referred to by you; authorise us to search; link or record information at the credit reference agencies about you and anyone referred to by you.

Please telephone Barclays Partner Finance on freephone 0800 970 8101 if you want to have details of those credit reference and fraud prevention agencies from whom we obtain and to whom we pass information about you. You have a legal right to these details. You have a right to receive a copy of the information Barclays Partner Finance hold about you if you apply to them in writing. A fee will be payable.