What happens to the balance owing on my account at 16 April 2023? The balance on your account at 16 April 2023 is payable in accordance with the Value Plus Credit Card Terms & Conditions. Related articles I have forgotten the email address I used to create my account? How do I subscribe to your HS Friends newsletters? Will all current methods to pay my Account remain available? Can I still make a payment in a Harris Scarfe store? Do you offer Lay-by online? Are there any items that cannot be returned with Change of Mind?