Santander are altering the deals that it offers on its two credit cards depending on whether you hold a current account and how you apply for the card.
It is now a better option to get the Santander Credit Card online, as the usual 13 month 0 per cent balance transfer deal is extended to 15 months.
Also, the typical APR is 15.9 per cent online, compared to 16.9 per cent in-store.
However, the Zero credit card won’t be available online anymore, unless the person applying for it already has a Santander current account.
However, consumer website Which? has slammed the plans, calling them "ridiculous" and urging Santander to "go back to the drawing board".