Demo rate card0% on purchases for 18 months, then 24.9% illustrative APR (variable)
The pound values and percentages on this page are invented AcornBank product terms, chosen for a realistic bank-style example. They are not current market offers, an invitation to deposit or invest money or a forecast of what a real bank will pay.
| Product detail | Demo terms |
|---|---|
| Account type | 0% purchase credit card |
| Rate, reward or charge | 0% on purchases for 18 months, then 24.9% illustrative APR (variable) |
| Illustrative credit limit | £500.00 to £6,000.00 |
| Access | 0% on purchases for 18 months from opening, then 24.9% APR (variable); missing a payment ends the offer in the model |
| Eligibility in the scenario | An adult story applicant; the promotional period assumes every monthly payment is made on time |
| Fees | No model account fee |
| What ends the offer | A missed or late payment in the model |
| Currency | GBP (£), used solely for fictional calculations |
Try your own numbers
Change the amounts to see what Zero Nut Zone Card would do in the story. Fictional figures, no application, no advice.
- Payment that clears it inside the 18-month 0% window
- £66.67No interest if every payment is on time.
Zero Nut Zone Card in charts
The same fictional model as the tables below, drawn rather than written. Hover or focus a mark for its value, or open the table view.
- Balance
- Interest so far
Interest rounded monthly; eleven equal payments and an adjusted final payment.
View as a table
| Point | Balance | Interest so far |
|---|---|---|
| Start | £1,200 | £0.00 |
| M1 | £1,110 | £22.44 |
| M2 | £1,018 | £43.20 |
| M3 | £924.53 | £62.24 |
| M4 | £829.25 | £79.53 |
| M5 | £732.19 | £95.04 |
| M6 | £633.31 | £108.73 |
| M7 | £532.58 | £120.57 |
| M8 | £429.97 | £130.53 |
| M9 | £325.44 | £138.57 |
| M10 | £218.96 | £144.66 |
| M11 | £110.48 | £148.75 |
| M12 | £0.00 | £150.82 |
The leftover is repaid over a further 12 months at the standard rate.
View as a table
| Category | Interest charged |
|---|---|
| Cleared in time | £0.00 |
| £600 left at end of offer | £75.41 |
Clearing a £1,200.00 purchase inside the 0% window
| Purchase | Interest-free months | Monthly payment that clears it in time | Interest charged |
|---|---|---|---|
| £1,200.00 | 18 | £66.67 | £0.00 |
If £600.00 is still owed when the offer ends
| Balance at end of offer | Standard APR | Repaid over | Interest charged | Total repaid |
|---|---|---|---|---|
| £600.00 | 24.9% | 12 months | £75.41 | £675.41 |
Offer assumptions: every payment is made on time, no cash withdrawals or transfers, and nothing else is spent. A missed payment ends the 0% period in the model and the standard rate applies to the whole balance from then on.
If £1,200.00 is borrowed at the standard rate after any promotional period
| Month | Payment | Interest charged | Balance after payment |
|---|---|---|---|
| 1 | £112.57 | £22.44 | £1,109.87 |
| 2 | £112.57 | £20.76 | £1,018.06 |
| 3 | £112.57 | £19.04 | £924.53 |
| 4 | £112.57 | £17.29 | £829.25 |
| 5 | £112.57 | £15.51 | £732.19 |
| 6 | £112.57 | £13.69 | £633.31 |
| 7 | £112.57 | £11.84 | £532.58 |
| 8 | £112.57 | £9.96 | £429.97 |
| 9 | £112.57 | £8.04 | £325.44 |
| 10 | £112.57 | £6.09 | £218.96 |
| 11 | £112.57 | £4.09 | £110.48 |
| 12 | £112.55 | £2.07 | £0.00 |
Borrowing assumptions: one £1,200.00 opening balance, no new spending, no fees or cashback, and 24.9% APR held constant. The equivalent monthly rate is (1 + 0.249)^(1/12) − 1. Interest is rounded monthly; eleven equal payments are followed by an adjusted final payment. Total repaid: £1,350.82; total interest: £150.82. This chosen repayment plan is not a minimum-payment schedule. Reward and offer tables describe separate situations from this one.
Zero Nut Zone Card is 0% purchase credit card in the Credit cards range, used for spreading a planned purchase over 18 interest-free months. Its live rate card, summary and worked tables sit above this text and update whenever the product record changes.
Follow the numbers, not just the headline
The tables show the opening amount, time period and result for this product type. Savings figures are before tax unless the wrapper is tax-free; investment figures are scenarios, not forecasts; borrowing figures separate payments, interest and outstanding balance. A displayed result is conditional on its assumptions, not a guarantee. Keep unrelated examples separate rather than adding their balances together.
See the whole Credit cards range or compare every product on the rates page.
What the example does not promise
All figures are invented and shown to make the demo useful to read and crawl. No money is held, no application is available, and no deposit-protection, regulatory or tax-wrapper status is claimed. Calculations do not account for personal tax, inflation or unstated changes in rates. The fictional bank manager can guarantee only that the next paragraph contains no real acorns.
Related reading
- This Is a Fictional Bank — No Real Banking Here
- Site Map — Every Branch of AcornBank
- Rates — Savings, Borrowing and Rewards
- Help — Unruffle Your Tail
- Credit Cards — Plastic with a Bushy Tail
- Zero Nut Zone Card — How Much Fits in a Hollow?
- Zero Nut Zone Card — Compare the Canopy
AcornBank: entirely fictional banking, exceptionally committed squirrels.