Terms and Conditions for bt credit Card Rewards

These terms and conditions apply to the provision of BT Credit Card Rewards by British Telecommunications plc (also referred to in these terms as ‘BT’, ‘our’, ‘us’ and ‘we’) earned from spend on Eligible Purchases using the BT Credit Card.

1. 
   Any holder of a BT Credit Card, whether as the main or an additional BT Cardholder on that account, is entitled to earn BT Credit Card Rewards from the date of the first Eligible Purchase using the BT Credit Card.
   

2. 
   Eligible Purchases are retail purchases made using your BT Credit Card, but exclude cheque or cash transactions, balance transfers or money transfers, finance and interest charges, default charges and handling fees and other such amounts billed to the BT Credit Card account, or the premiums for BT Credit Card Payment Protection Cover or Lifestyle Protect.
   

3. 
   BT Credit Card Rewards are awarded as a discount on your applicable BT telephone bill (‘the BT Credit Card Discount') at the rate of 1p for each £1.50 (but not part of) spent on the relevant BT Credit Card on Eligible Purchases per month or part of a month.
   

4. 
   BT Credit Card Rewards earned by an additional BT Cardholder will be added to the BT Credit Card Rewards earned by the main BT Cardholder.
   

5. 
   BT Credit Card Discounts are applied to the total amount of your next available BT telephone bill (either monthly or quarterly depending on the billing frequency you have chosen) after they have been earned and which is issued at least one week after your BT Credit Card statement has been issued.
   

6. 
   We will round down fractions of 1p to the nearest whole pence when calculating your BT Credit Card Discount.
   

7. 
   If any BT Credit Card Discount shall have been calculated or applied to your BT telephone bill in error, then an appropriate adjustment may be made to your next BT telephone bill.
   

8. 
   The amount of any BT Credit Card Rewards which have already been applied as the BT Credit Card Discount to your BT telephone bill, in respect of a BT Credit Card transaction which is subsequently refunded, will be deducted from the amount of any BT Credit Card Rewards you earn from your next Eligible Purchase(s) using your BT Credit Card.
   

9. 
   In order to redeem BT Credit Card Rewards, you must tell us your current BT home telephone number which you wish us to discount with your BT Credit Card Rewards. This must be a telephone number which is provided as part of a service to you at your home address and which is the same billing address for your BT Credit Card. This cannot be a telephone number for any of the services listed in paragraph 12. You can nominate the same telephone number to receive BT Credit Card Rewards earned from different BT Credit Cards registered to the same address.
   

10. 
    You can change the telephone number you have given us to receive your BT Credit Card Rewards by ringing BT Credit Card Customer Service on 0800 111 4000. If you do not tell us when your telephone number changes, or if you have imported your telephone number from another service provider, then we may not be able to apply your BT Credit Card Rewards to the correct BT billing account and we accept no liability for any failure to apply the BT Credit Card Rewards correctly in these circumstances.
    

11. 
    If you do not tell us the telephone number of the BT billing account you wish us to discount with the BT Credit Card Rewards you have earned, then these will accrue until such time as you do tell us. All accrued BT Credit Card Rewards will expire after 3 years from the date of the relevant Eligible Purchase to which they relate, or you cancel your BT Credit Card, or it is ceased for any other reason, whichever occurs first.
    

12. 
    BT Mobile, BT Broadband Talk, BT Openzone, BT Business accounts, BT telephone numbers not registered at your home address, and BT telephone bills which are paid in full by BT, are not eligible to be discounted with your BT Credit Card Rewards.
    

13. 
    At BT’s discretion, BT may do any or all of the following in respect of BT Credit Card Rewards: the BT Credit Card Rewards may be suspended, may not be earned on and may not be discounted from your BT telephone bill. BT will only do this in the event that you breach the BT Credit Card Terms and Conditions. Examples of breaches include, but are not limited to:
    

1. 
   if any payment due to us from you for whatever reason is more than 30 days in arrears;
   
2. 
   if any payment due from you under your BT Credit Card Account has not reached the account by the payment due date;
   
3. 
   expenditure on your BT Credit Card has exceeded your designated credit limit;
   
4. 
   you enter into an arrangement with your creditors or are made bankrupt;
   
5. 
   you are investigated for fraud.
   

14. 
    Your monthly BT Credit Card statement will include the amount of the BT Credit Card Reward, which you have earned in the relevant statement period, and which will be discounted off your next available BT telephone bill. You can also view your BT Credit Card statement including the BT Credit Card Rewards you have earned by visiting www.bt.com/mycreditcard
    

15. 
    The amount of any BT Credit Card Discount will be shown separately on your BT telephone bill for each month. A separate amount will be shown for BT Credit Card Discounts earned by other BT Credit Card Holders eligible to apply their BT Credit Card Rewards to your BT Account.
    

16. 
    If the amount of any BT Credit Card Discount available to be applied to your next BT telephone bill exceeds the amount required to pay the total of that BT telephone bill, then it will be carried forward as a credit towards your next BT telephone bill. This amount of credit will be treated in the same way and subject to the same conditions as all other credit balances on BT telephone accounts irrespective of how the credit has been accrued.
    

17. 
    If your BT Credit Card Account is closed or suspended (except where your card is lost or stolen) after you have earned BT Credit Card Rewards but before they have been applied to your BT telephone bill as a BT Credit Card Discount, the discount will be lost.
    

18. 
    If you have any queries relating to your BT Credit Card Rewards please contact BT Credit Card Customer Service on 0800 111 4000.
    

19. 
    If you are a BT Customer you can view your BT bill including your BT Credit Card Discounts through the ‘Home’ option on www.bt.com
    

20. 
    If you have any complaints about the BT Credit Card or BT Credit Card Rewards please send them to us at BT Credit Card, PO Box 2001, Chester CH4 9WZ.
    

21. 
    BT reserves the right to change these Terms and Conditions (including the earning and redemption rules) or withdraw the BT Rewards programme at any time. We will give you at least 30 days notice of any significant changes. The current BT Reward Terms and Conditions can be viewed at www.bt.com/creditcard
    

22. 
    Subject to clause 23 below, we have no responsibility to pay you compensation for financial loss, for any information which is lost or corrupted, any indirect, special or consequential loss, loss of goodwill or loss of reputation or for any loss which could not have been reasonably foreseen. Any liability which we may have, whether in contract, tort or otherwise, is limited to the actual value of the BT Credit Card Reward in relation to any claim or series of claims arising out of or in connection with the receipt (or non-receipt), ownership (or non-ownership) or use of a BT Credit Card Reward.
    

23. 
    We do not exclude or limit liability for personal injury or death caused by our negligence or that of our sub-contractors, for fraudulent misrepresentation, or any other liability which cannot be excluded by law.
    

24. 
    Sometimes we may not be able to do what we have agreed because of something beyond our reasonable control. In these cases, we do not accept responsibility for what has happened.
    

25. 
    These terms and conditions are governed by English Law and any disputes which arise in connection with these shall be dealt with by the courts of England and Wales.