Your Classic card is a credit card - use it for all your day-to-day expenses: weekly shopping, going to the cinema etc.

And what makes the Classic Credit Card so unique is that it's also a Payment Plan facility:

• You can opt to transfer larger purchases (between €500 and 80% of credit limit) over to your Payment Plan facility. This means you can buy something now, and spread the cost over 12 months, at a much discounted rate of only 6.9% APR.
• Move up to two purchases at any one time onto the payment plan
• The key difference with other types of finance is that the facility is always there on your card so you don't have to fill out an application form each time you want to use it. To transfer a purchase to the Payment Plan, simply call the Customer Service Centre on 1890 251 251.

Simply complete the application form and return it to your nearest Bank of Ireland branch, or apply online. You can also apply by calling 1890 365 100.

Just call our Customer Service Centre on 1890 251 251 It only takes a few minutes to set you up. Calls are charged at local rate.

No need to fill out an application form - simply call the Customer Service Centre on 1890 251 251 or if abroad call +353 56 775 7747

You need:

• The specifics of the particular purchase you want to transfer to the Payment Plan
• The date you made the purchase
• The amount it was for
• The name of the retailer or merchant from whom you made the purchase

Yes, the Payment Plan Facility can be added to Bank of Ireland Standard, Gold and Platinum cards by calling the Customer Service Centre on 1890 251 251. This facility is not currently available for student or affinity credit cards

The Classic limit encompasses both the Credit Card and the Payment Plan Facility. For example, if you have a limit of €2,000 and decide to put a purchase worth €1,000 on the Payment Plan then you will have €1,000 of credit remaining on the credit card. As you make the monthly payments on the Payment Plan, your available credit increases accordingly.

The transfer happens overnight on your account or the next working day if on the weekend or a bank holiday.

When transferring your purchase you will be told the full repayment amounts and the first payment will be detailed separately on your next Credit Card Statement.

Yes - the monthly repayment on Payment Plan and the credit card balance are due at the same time, on the payment date specified on statement.

The minimum payment is the monthly payment on the payment plan and 2.5% of your credit card balance.

You can transfer a purchase up to two months after the transaction appears on your statement. It is best to make the transfer soon after the purchase to make sure you don't miss out on the Payment Plan facility.

No, the minimum amount is €500. The maximum is up to 80% of credit limit.

No, only two purchases can be on the Payment Plan at any one time.

No - The monthly repayment is always calculated over a 12-month period. But you can clear your balance early - there are no penalties.

No, cash advances or interest payments cannot be transferred over to the Payment Plan. It is only available for purchases.

The Payment Plan monthly amount is automatically paid first, then the credit card balance, therefore €50 will be paid on the Payment Plan, then €350 off the credit card balance. Thus, there will be €150 outstanding on the credit card balance - 17.4% APR purchases or 26.0% APR cash will be charged as appropriate.

Yes, a late payment fee of €7.50.

Yes, a fee of €5.

Yes, a fee of €7.50.

If you return the product, as per usual the amount is credited back to your credit card and the plan ceases to exist.