Frequently asked questions
Here you'll find answers to frequently asked questions - from how to make a payment, to what to do if you spot a transaction you don’t recognise.
In February 2019 we made updates to almost all of our services.
Some changes are more obvious that others, so we’ve created a page to highlight the important stuff.
If your card is lost or stolen, please let us know as soon as possible.
If your card is lost, you suspect it’s been stolen or has been used without your knowledge or consent, we’ll take steps to secure your account.
When we issue a new card, you’ll need to update the payment details for any regular transactions you’ve got set up (e.g. subscriptions or insurance premiums) and any details you’ve stored online to make payments (e.g. Apple Pay) as soon as your replacement arrives.
Check out our security page to find out more about keeping your card and account details safe.
You’ll find everything you need to know about this at the updating your details page.
Your credit card is ready to use in most countries around the world both for shopping and withdrawing cash. There's no need to let us know before you jet off, but it's a good idea to check your card won't expire while you're away.
To learn more about using your card overseas, what fees will apply and making payments in other countries, have a look at our travelling abroad page.
You’ll find detailed information about how we calculate payments on our minimum payments page.
There are lots of different ways to make payments to your account. Some are faster than others, so make sure your payment will clear in time for your due date.
Take a look at our making payments page to find out how to pay by debit card, Direct Debit and more.
You’ll find full details about activating your card on our dedicated page.
For the full list of ways to say hello, have a look at our contact us page.
You’ll find information about both promotional and standard interest rates in a couple of places. You can read through the terms and conditions of your account, which include all sorts of useful information.
Alternatively, for a more current view including details of offer expiry dates and rates that currently apply to portions of your outstanding balance, refer to your latest statement. You might find the ‘Breakdown of balance’ and ‘Summary box’ on the statement particularly helpful.
If your account’s set up with paperless statements, you’ll need to log in or register to view them online.
Important - not all balances will have a promotional rate, in which case it’s the standard contract rates that apply.
You can change or unlock your credit card PIN at any cash machine with the Link symbol. You can’t unlock your PIN abroad.
If you’d prefer a paper reminder, you can request one online or by calling us, it’ll be sent to you by post in 3-5 working days.
You can change your payment due date up to two times in any 12-month period, but you'll need to get in touch to discuss your options.