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The document explains when the agreement is regulated by the Consumer Credit Act 1974, and how protections may not apply if eligibility criteria such as sole trader/partnership/association and credit of £25,000 or less are not met. It defines “Charity” and “Micro-enterprise”, outlines key borrowing, repayment, and minimum payment rules, and describes interest and charges for purchases and cash-related transactions.",{"@graph":63,"@context":119},[64,80,102],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":36,"@type":70,"position":76},"https://docshare.wps.com/template/forms/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/the-co-operative-bank-business-credit-card-terms-and-conditions-agreement/280634/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/the-co-operative-bank-business-credit-card-terms-and-conditions-agreement/280634.png","ImageObject",442,249,{"name":88,"@type":89},"Franzy","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-22","2026-09-16",true,{"@type":98,"interactionType":99,"userInteractionCount":101},"InteractionCounter",{"@type":100},"ViewAction",7,{"@type":103,"mainEntity":104},"FAQPage",[105,111,115],{"name":106,"@type":107,"acceptedAnswer":108},"Who are “we/us/our” and who is “you” in the business credit card agreement?","Question",{"text":109,"@type":110},"“We/us/our” means The Co-operative Bank p.l.c. and “you” means the person or business entering into the agreement.","Answer",{"name":112,"@type":107,"acceptedAnswer":113},"When is the agreement regulated by the Consumer Credit Act 1974?",{"text":114,"@type":110},"It is regulated only if you are a sole trader, an association with individual members, or a partnership of two or three partners, and the bank provides credit of £25,000 or less.",{"name":116,"@type":107,"acceptedAnswer":117},"How is the minimum monthly payment calculated and when must it be received?",{"text":118,"@type":110},"Each month you must pay at least the minimum payment shown on your statement, which must reach the bank by the payment date (typically 25 days after the statement date, or the following business day). 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Please read it carefully and keep it in a safe place. You may ask for a copy of this agreement at any time during the term of the agreement.  \nIn this agreement:  \n‘we’, ‘us’ or ‘our’ means The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP; and ‘you’means the person or business entering into this agreement.  \nThis agreement is only regulated by the Consumer Credit Act 1974 if you’re a:  \n• sole trader, an association where at least some members are individuals (such as a club or society) or a partnership of two or three partners; and  \n• we provide you with credit of £25,000 or less.  \nIf the above doesn’t apply to you, this agreement isn’t regulated by the Consumer Credit Act 1974. That means the protections under the Act, including those referred to in any notices or headings in this agreement, don’t apply to you.  \nSome of the terms and conditions in this document don’t apply to you if you aren’t a Microenterprise or Charity, and others may apply in their place. We will tell you in the relevant section if that is the case.  \nWhat do we mean by Charity?  \nIn this agreement, this means a body defined by law as a charity and whose annual income is less than £1 million.  \nWhat do we mean by Micro-enterprise?  \nMicro-enterprise means an enterprise which, at the date of entering into this agreement, had fewer than 10 employees and an annual turnover and/or annual balance sheet total of €2 million or less.  \nKey conditions  \nYou can borrow up to your credit limit. We’ll tell you your credit limit after we’ve signed the agreement. We’ll provide the credit when you use the card or card number, for example to make purchases or withdraw cash.  \n| How much do you have to pay and when? |\n| --- |\n| Each month you must pay at least the minimum payment shown on your statement. Your payment must reach us by the payment date specified on your statement. This is 25 days after the statement date or, if this is not a Business Day, the following Business Day. If you want to pay less interest, you can always pay more than the minimum payment. Your statement tells you how to make sure payments reach us on time. You must make payments from your Co-operative Bank business current account.\u003Cbr>The minimum payment will be the highest of:\u003Cbr>(a) 2% of the total balance on your statement (including interest and charges);\u003Cbr>(b) £5; or\u003Cbr>(c) the sum of (i) interest for the period from your last statement, (ii) any charges and (iii) 1% of the total balance on your statement (excluding interest and charges).\u003Cbr>We round up the minimum payment to the nearest pound. If you owe less than £5, you must pay us the full amount you owe.\u003Cbr>Repayments will pay off:\u003Cbr>1. the minimum payment shown on your statement; then\u003Cbr>2. the remaining balance shown on your statement; then\u003Cbr>3. any items not yet included on a statement.\u003Cbr>If you pay less than the total amount owing, your payment reduces higher interest-rate balances first, before lower interest-rate balances. If some amounts are charged at the same interest rate, we apply your payment to the oldest amounts first.\u003Cbr>You must also pay the amount of any missed payments and the amount you owe above the credit limit immediately.\u003Cbr>You must try not to pay into your account more than you owe us. We may return any funds that exceed the balance owing on your account to the account from which the money has been sent, or pay the funds into a deposit account you hold with us. Alternatively, we may use any excess funds to pay off transactions that have not yet appeared on your statement in the same order as those that do appear on your st","cbCairsrIqSBAFlU","https://ap.wps.com/l/cbCairsrIqSBAFlU","pdf",286363,"English","# Terms & conditions\n## Parties and regulation status\n## Definitions: Charity and Micro-enterprise\n## Key conditions\n## How much do you have to pay and when?\n## How much does it cost to borrow?","[{\"question\":\"Who are “we/us/our” and who is “you” in the business credit card agreement?\",\"answer\":\"“We/us/our” means The Co-operative Bank p.l.c. and “you” means the person or business entering into the agreement.\"},{\"question\":\"When is the agreement regulated by the Consumer Credit Act 1974?\",\"answer\":\"It is regulated only if you are a sole trader, an association with individual members, or a partnership of two or three partners, and the bank provides credit of £25,000 or less.\"},{\"question\":\"How is the minimum monthly payment calculated and when must it be received?\",\"answer\":\"Each month you must pay at least the minimum payment shown on your statement, which must reach the bank by the payment date (typically 25 days after the statement date, or the following business day). The minimum payment is the highest of 2% of the total balance (including interest and charges), £5, or the sum of monthly interest, charges, and 1% of the total balance (excluding interest and charges).\"}]","The Co-operative Bank Business Credit Card - Terms and Conditions - Agreement | PDF",1789553104,6]