Egg to Barclaycard Transition Update

You've already received a communication to let you know your Egg Money account was transferred to us on 29th April 2011. We'd now like to introduce your new Barclaycard World MasterCard® - you'll continue to enjoy 1% cash back on your purchases and insurances to protect the things you buy, as well as many other new benefits.

You'll find details about your new Barclaycard World MasterCard® Terms and Conditions below and these will take effect from 7th November 2011. We'll shortly be sending you a new Barclaycard and PIN to replace your Egg Money card. As a new Barclaycard customer, you'll want to know more about the benefits of being with us so we've included details on this below.

Please make sure you read through all the following sections and review the online frequently asked questions and booklets so you don't miss out on any important information. Your interest rate and credit limit will remain unchanged and any balance transfer or promotional purchase rate is also unaffected.

What happens now?
You'll shortly receive a new Barclaycard World MasterCard® and PIN separately, by post. Your new card will automatically activate on 7th November 2011, until then you should continue to use your current Egg Money card as normal. Please make sure you keep your new card and PIN separate and in a safe place until then and securely destroy your PIN once you've remembered it.

Changes to your statements and payments
If your monthly repayments are made by Direct Debit they will continue to be collected in this way. Further information on the changes we will be making to your Direct Debit is available using the link below.

Read the Direct Debit update >

For further information on your statements and payments please see the frequently asked question information at the end of this e-mail.

Your Barclaycard World MasterCard® benefits
On 7th November 2011, your new Barclaycard World MasterCard® will automatically activate and you'll continue to benefit from:
1% cash back - earn up to Ј200 cash back a year on your spending
A range of insurances to protect the things you buy - missed event cover, purchase protection, extended warranty and price promise*
You'll also receive some nice little extras, including:
Barclaycard World MasterCard® Rewards website - a selection of deals and offers from specially selected retailers
Contactless payments - make quick payments on the go
Access to mybarclaycard - easy online account servicing
Barclaycard Unwind - giving you the chance to see some of the best live music and entertainment events
Travel Services - from discounted holidays, to help and assistance whilst you're overseas
Emergency Card Replacement and Cash Advance - extra reassurance whilst abroad and in the UK
For further information on your Barclaycard World MasterCard® benefits please take a look at the Welcome booklet using the link below.

Read the Welcome booklet >

* Missed event cover, price promise, purchase protection and extended warranty cover are arranged by International SOS Insurance Services. Terms and conditions apply.

Changes to your Terms and Conditions
A summary of all the changes that will take place on 7th November 2011 is provided and a full copy of your Barclaycard World MasterCard® Terms and Conditions are available using the link below. It's important you understand what the changes mean for you, so please read the following information carefully.

Minimum Payment - will be clause 2 of your Barclaycard World MasterCard® Conditions
If you have Card Repayment Protection insurance, the amount of your premium will no longer be included in your minimum payment. Remember you can always pay more than your minimum payment - you may wish to increase the amount you pay each month to cover this.

Interest - will be clause 6 of your Barclaycard World MasterCard® Conditions
Interest will be charged on all fees, including those on balance transfers. Default fees will only have simple interest charged - so you will not pay interest on interest.

The minimum amount of interest that will be charged on your statement will increase from 50p to Ј1. This only applies if there is an amount of interest on your account less than Ј1.

If we increase your interest rate, we will give you 30 days' notice before any reprice, and 30 days to opt out after you see the effect of the reprice on your statement.

Default Fees - will be clause 10.1 of your Barclaycard World MasterCard® Conditions
Default fees will be reduced from Ј16 to Ј12.

Balance Transfers - will be clause 12.6 of your Barclaycard World MasterCard® Conditions
When you ask us to make a payment from your account (like a balance transfer) we will process this transaction on the next working day unless you have agreed to make the payment on a future date. In that case the payment will be processed the working day after the date we have agreed.

Any promotional balances, such as balance transfers will now be paid off starting with the earliest expiry date first, rather than the earliest start date.

Other changes to your Terms and Conditions
The minimum possible credit limit on your account is now Ј250, reduced from Ј500
There is now a limit to the amount of cash you can withdraw on your Barclaycard World MasterCard®. This may be a percentage of your balance, or an amount. We will let you know before we make any changes
The fee payable if you want an additional copy of your statement will increase to Ј3. Remember your statements will still be available online
If you authorise a transaction in the European Economic Area and the amount wasn't specified beforehand and you later find out the amount is more than you could have reasonably expected, we will review this for you and refund the transaction
Your benefits will stay the same, however if you are in breach of your credit card conditions for 2 consecutive months, you may lose any accrued cash back. Please read the full copy of your cash back Terms and Conditions below
Read the full Barclaycard World MasterCard® and Cash Back Terms and Conditions >

Changes to your Insurance Terms and Conditions
The insurances provided with your Barclaycard World MasterCard® will continue as currently and remain with the same underwriter as the insurances provided by your Egg Money card. There are some minor changes to the policies reflecting that Barclays Bank PLC is now your card issuer and these are detailed below:
All references to Egg Bank have been changed to Barclays Bank
All references to Egg Money have changed to Barclaycard World MasterCard®
Policy Owner details on page 5 of the Travel Accident Insurance Policy Document have changed from Egg Bank to Barclays Bank, this section also details Barclays Bank's regulatory status
The We, Us, Our, Issuing member details on page 5 of the other insurances Policy Document have been updated to show Barclays Bank PLC's FSA register number which is 122702
For your information please take a look at page 9 of the policy documents and also the Guide to Insurances which give more details about Barclays Bank, using the link below.

Read the Barclaycard World MasterCard® Insurance Terms and Conditions >

Are your contact details up-to-date?
It's really important we have your most up-to-date contact details so we can send your new Barclaycard World MasterCard® and PIN to the correct address, get in touch by e-mail and post and send you reminders about key dates by text message. You can check and update your details by logging in to your Egg account at egg.com and clicking on the 'Personal details' tab.

Questions?
For further information, please see the frequently asked questions using the link below.

Frequently asked questions >

If you have any further questions, you can send us a secure message via the Egg website by logging in to 'your accounts' at egg.com clicking on the option to 'Contact us' then 'Send a message' and finally selecting 'Egg Money'. All you have to do then is select 'Transfer of Egg credit cards' from the drop-down box.

Remember to look out for future updates heading your way with more information about your new Barclaycard World MasterCard®. You'll also find all the latest news at barclaycard.co.uk/egg

Go to barclaycard.co.uk/egg >