* Monthly repayments generated by this calculator are approximate and for information purposes only. Establishment Fee and Annual Account Fee are excluded from the calculation. * Fees & charges vary for other Latitude Financial Services Limited card types. Refer to card terms and conditions for further information. * We suggest that you pay your purchase (and fees) off before the end of the interest free period, so you avoid interest. * This calculator assumes that you make repayments in equal instalments over the interest free period. * Importantly, these results are only valid for the amount that you have entered into this calculator and do not take into account any other purchases. * The minimum monthly repayments required, as shown on your monthly Gem Visa credit card statement may be more or less. Please note however you are required to make minimum monthly payments of 3% of the outstanding balance on your account. * Remember, if you do not pay your purchase (and fees) off before the end of the interest free period, interest will be charged on the remaining balance. * You must apply and be approved. Credit provided by Latitude Financial Services Limited.