No Interest Card

Summary Box

The information contained in this table summarises key product features and is not intended to replace any terms and conditions.

Consumer APR Rates as shown, depending on individual circumstances	Representative 29.99% Variable APR
Corporate APR	Representative 67% Variable APR

Interest Rates (variable)

One Time Charge: Credit Access Fee

We may make promotional offers from time to time

10% of Original Credit Limit or Net Credit Limit Increase for Personal Cards and 17% of Original Credit Limit or Net Credit Limit Increase for Corporate Cards

Charged Upon Approval or Credit Limit Increase

	Promotional Rates*	Monthly Rate	Annual Rate
Purchases	We may make promotional offers from time to time	0%	0%
Cash transactions (if available)	We may make promotional offers from time to time	N/A	N/A
Balance transfers (if available)	We may make promotional offers from time to time	N/A	N/A
Money transfers (if available)	We may make promotional offers from time to time	N/A	N/A
Instalment Plans (if available)	Charged at a rate equal to your standard purchase rate or as we let you know at the time	N/A	N/A

Interest Free Period

We do not charge interest.

Allocation of Payments

If you do not pay off your balance in full, we will allocate payments to balances with the oldest billing date before balances with a newer billing date.

Minimum Repayment

Your minimum payment is the the full balance of your card balance plus 1% of the balance spent. If you do not make this required minimum payment, we will provide up to 180 days of credit, and charge you a fee according to the above late payment scale. In the event you do not repay your card balance over that 180 day period, we will cancel your card and allocate your security deposit against the remaining card balance on the 181st day. Any remaining credit will be refunded to you in the manner of your choice after all card charges have been cleared.

Credit Limit

Minimum Credit Limit	£250
Maximum Credit Limit	Subject to status

Subscription Fees

There is a monthly subscription fee per calendar month.
Consumer cards - £19.99
Corporate cards - £50.00

Charges

Balance transfers (if available)	N/A
Money transfers (if available)	N/A
Cash transactions	N/A

For further details, please refer to the credit agreement

Foreign Usage (if available)

Payment scheme exchange rate	Rates available at https://www.mastercard.com/global/currencyconversion
Foreign exchange conversion charge	2.99% of the amount of the transaction

Default Fees

Late payment fee	as above
Returned payment fee	£12.00
Overlimit fee	£12.00
Trace fee (charged if you change your details and you do not tell us where you may be contacted)	£20.00

*To benefit from any promotional offers you must not break the agreement, e.g. by not making at least your contractual minimum payment in full and on time or exceeding your credit limit. If you do break the agreement, we may charge the standard rate, as applicable, instead of the promotional rate.

Credit available to UK residents aged 18 and over. Subject to status. Terms apply. The APR applicable to your account will depend on our assessment of your application.

Credit is provided by D&D Leasing UK Ltd. T/A DND Finance and it is a company registered in England and Wales with registered number 06638748. The registered office for this company is 10-12 Garden St, Tunbridge Wells, Kent, England TN1 2XB . D&D Leasing is authorised and regulated by the Financial Conduct Authority (FCA). Score is a brand of D&D Leasing UK Ltd.

Why build credit after moving to the UK?

Moving to a new country can be fun and exciting. New places to go, friends to make, and opportunities to explore. Unfortunately, newcomers to the UK have no credit history, which means any form of borrowing is virtually not an option.

When you make such a big life change, you need to set yourself up for success so that you can live your very best life in a new place. While it may not feel like a priority at first, building credit is one of the first things you need to tackle. Without a good credit score, lenders will see you as “high risk”, even if you’re not, and you’ll be limited in your ability to secure loans, utilities, cellular contracts, credit cards, and more.

The sooner you start to establish good credit in the UK, the sooner you can take advantage of all the wonderful things this beautiful country has to offer. Read our blog: 8 of the best ways to build credit.

The Score Mastercard is a perfect solution if you:

Have ever been declined for a credit application
Are a newcomer to the UK looking to establish credit in the country
Have completed a past bankruptcy or IVA (individual voluntary arrangement), and are looking to rebuild your credit
Are a business looking to establish your company’s credit history while managing your expenses
Are a student building credit for the first time
Want to rebuild your credit but don’t want to get into unaffordable consumer debt
Want the highest chance of getting approved for a credit card, regardless of your past credit history

Minimum eligibility requirements require that applicants must be UK residents aged 18 or over, with a valid UK bank account, subject to successful identity and residency verification. DND does not have a minimum credit score requirement for the Score Mastercard, which makes it unique to the UK. See https://www.scorebydnd.com/card-agreements for full Terms and Conditions.

Just start by clicking the Apply Now button on our website, and you’ll be directed to provide some basic contact information, followed by a link to access our secure application dashboard. After completing our simple application (typically about 5 minutes) and receiving an approval, you’ll be directed to download our app and sign in to complete the onboarding process.

There are both up-front fees to active your card, as well as ongoing monthly costs to maintaining access to your card as a credit building solution. Whether you are a personal cardholder, or a business, you can see a comprehensive list of all fees here

You will receive the card in approximately 10-13 working days after you order your card. Please note that this time frame also applies to reissues for lost, stolen or expired cards. If you haven't received your card within 10-13 working days, please contact Customer Service at 0800 170 0213 or +44 203 150 4634.

Please call 0800 170 0213 or +44 203 150 4634 and one of our Score Customer Service team members would be pleased to process your credit limit increase request. Please note that upon approval, a Credit Access fee relating to the increased credit limit portion will apply.

Your pre-funded deposit will be refunded to you once the statement period has completed, less any outstanding fees or balances owing. Please call 0800 170 0213 or +44 203 150 4634 and one of our Score Customer Service team members would be pleased to process your account closing and answer any questions.

> Privacy Policy

1. Introduction
This is the Privacy Policy of D&D Leasing UK Limited of Studio 404, The Light Bulb, 1 Filament Walk, London, SW18 4GQ.Your
privacy and security is of the utmost importance to us.
This policy sets out the basis on which any personal data we collect from you (or others provide to us), will be processed by us and
shared with third parties. Please read our Privacy Policy carefully.
We have put in place a number of measures to ensure that any personal data we obtain from you is processed and maintained in
accordance with legal requirements and the accepted principles of good information handling in accordance with the Data
Protection Act 1998 (the “DPA”) and the UK General Data Protection Regulations (“UK GDPR”).
The Data Controller is D&D Leasing UK Limited. We determine the purposes for which and the manner in which your personal data
will be processed.
2. Who does this Privacy Policy apply to?
This Policy applies to customers who seek finance facilities from us. It will cover how we process data in connection with the initial
finance application and then our ongoing management and servicing of the account. As well as individuals, “customers” will also
include partnerships, unincorporated and incorporated bodies (including limited companies and limited liability partnerships). This
policy also applies to guarantors.
Although in general the legal requirements only apply to the handling of personal data in relation to individuals, we also seek to
apply the same standards of good information handling in respect of all customers.
Where there are two or more persons named in the finance agreement, this Policy applies to each of them separately.
Before we provide services, goods or financing to you, we undertake checks for the purposes of preventing fraud and money
laundering, and to verify your identity. These checks require us to process personal data about you.
3. What is personal data?
This is any information that either alone, or in combination with other information, would identify a person as a living individual.
Details of the personal information that will be processed include, for example, name, address, date of birth, contact details,
financial information, employment details and device identifiers including IP addresses.
4. How we collect your personal information
We may as a result of your interaction with our website and when you apply for finance, process and store your information on our
computer systems and our manual files. We will also collect and store personal and financial information about you when you or
an introducer provide us with information over the telephone or by email, and when we access information held by credit reference,
fraud prevention and business information agencies about you. We also collect personal information when we communicate with
you during our servicing of your agreement with us.
The personal data you have provided, we have collected from you, or we have received from third parties will be used to prevent
fraud and money laundering, and to verify your identity.
We will collect the data shown below, whether or not you become a customer in connection with your application. If you become
a customer we will use it to manage and service your account.
5. The types of data we collect and use
The type of data we collect and the reasons why include the following:
• Credit Assessment. We collect personal and financial information from you and from credit reference agencies (CRAs) and
fraud prevention agencies to help us carry out identity checks and to assess your ability to meet your financial commitments
and to check that you are creditworthy. Where you have applied to act as a personal guarantor we will assess your financial
suitability to act as a guarantor.
For individuals, such information includes your current and recent addresses, whether you are on the electoral role, your age,
email address and telephone number, whether you are a home owner or tenant, personal data about bank accounts, credit
cards, mortgages and other agreements that involve a credit arrangement like utilities and communications contracts
(including mobile and internet) and how you are meeting your payment obligations to these organisations and whether you
have any court judgments. We will also search and record information gathered from the Land Registry to confirm your property
ownership.
We may also collect information about a business you own or are involved with including requesting financial records, such as
accounts and information held by public bodies such as Companies House. Similar information will also be collected where
you are an incorporated body and may include your registered office, business addresses and contacts details, bank details,
VAT number, number of employees, business history and information gathered from credit information providers to inform us
about your financial performance and credit standing.
• Prevent and detect crime: We collect personal and financial information from you and from CRAs, fraud prevention agencies
and public or government bodies to help us to detect and prevent crime and fraud and to verify your identity (or in the case of
an incorporated body, its beneficial owners) under our anti-money laundering obligations. We and fraud prevention agencies
may also enable law enforcement agencies to access and use your personal data to detect, investigate and prevent crime.
• Servicing of your facility: The information we collect will enable us to communicate with you about your finance facility and to
service your account, for example to issue statements, to process your payments onto our systems, to contact you about any

> Complaints Policy

Our Complaints Policy

Quality is central to our culture at Score Mastercard® by DND, and we aim to provide excellent service. Should you be unhappy or dissatisfied with the service provided, please contact us and we will investigate the matter further in order to come to a satisfactory and appropriate outcome.

If you have a complaint, you may email us at support@scorebydnd.com, or alternatively write to the address below:

Studio LU.404

The Light Bulb

1 Filament Walk

Wandsworth

SW18 4GQ

Should Score Mastercard® by DND receive a complaint this will be acknowledged in writing. We will aim to resolve this within 15 days.

In the unlikely event that the complaint is not resolved within 15 days, Score Mastercard® by DND will send a response explaining the matter and the final response will be sent within 35 days.

Where Score Mastercard® by DND fails to resolve a client’s complaint within the 15 day time frame, or where the client feels that the complaint was not handled appropriately, (including cases where the complaint was not properly identified as a complaint), the client have the right to file a complaint to PayrNet if they believe that we provide our services improperly or our operations breach customers’ rights or legitimate interests. The filing of complaints and complaint handling process is free of charge at PayrNet.

PayrNet shall accept complaints submitted in person (directly to Customer Service employee, verbally or in writing), by regular or registered mail (sending it to PayrNet’s registered office 138 Holborn, Holborn, London EC1N 2SW or actual place of business), email (at the address complaints@payr.net) or through the digital channels provided by PayrNet’s online and mobile platforms.

If you are not satisfied with the response, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of the final response letter. If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances.

In order to contact the Financial Ombudsman Service, you should write to them at Exchange Tower, London E14 9SR, telephone them on 0800 023 4567 or 0300 123 9123, e-mail them at complaint.info@financial-ombudsman.org.uk.

Further information can be found at: www.financial-ombudsman.org.uk

> Card Agreements

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Are you new to the UK? Start building your credit score from today!