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Why is my Minimum Payment Plus higher when I’ve taken out a Balance Transfer or used my card abroad.  

The Minimum Payment Plus repays an amount equivalent to at least double any fees and interest. Therefore, if you incur a balance transfer fee, please bear in mind this fee is incorporated in to the Minimum Payment Plus calculation.

As an example, if you have a Balance Transfer fee for £150 charged on your previous statement, your Minimum Payment Plus will be at least £300 for that month.