Manage your credit card - Credit Cards | Ulster Bank

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Manage your credit card

All you need to know about managing your credit card

Manage your credit card Anytime Internet Banking

A great way to manage your credit card is via Anytime Internet Banking. Here are a few examples of the services available:

Set up a Direct Debit

Get a PIN reminder

Request a balance transfer

Add a second cardholder

Report your card lost and order a replacement

Change your credit limit

These can be found in the Cards section of Anytime Banking.

Log in to Anytime Banking
Fees and charges

A credit card has many benefits but to get the best from it, you need to be organised with your monthly payments otherwise you could end up paying fees and charges.

There are two main fees you need to know about. Both of these fees are £12.

  • Late payment fee - if you're late paying your monthly bill
  • Over limit fee - if you go over your credit limit

 

Here are some tips on how to avoid paying charges and interest on your credit card:

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Keep on top of your payments. Your statement will tell you when the minimum payment has to reach your account each month.

There are many ways to pay your credit card bill. Make sure you have enough money in your account before a payment is due to come out and send it in plenty of time.

If your statement date or payment date doesn't suit, give us a call and we can change it to one that works for you.

Ways to pay your bill Call us

To change your statement / payment date call 0345 300 4642 for Classic, Clear Rate and Student cardholders, 0345 300 4643 for Gold cardholders or 0345 301 7628 for World cardholders.

Calls cost up to 10p per minute plus up to 16p connection charge from BT lines. Calls from other networks may vary. Calls may be recorded.

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Keep track of your credit limit and how much you have available to spend. You can do this any time by registering for online banking or calling 0345 742 4365.*

If you've already gone over your credit limit make sure that your minimum payment is enough to bring you back within your credit limit, otherwise you'll need to pay more to avoid another over limit fee.

If you need a higher or lower credit limit we're happy to discuss this with you. A credit scoring system based on your current financial status is used to decide the fairest and most appropriate amount for you. If you think you'll have difficulty covering your credit card borrowings, please let us know immediately and we'll give you all the help we can.

*Lines are open 24 hours a day. Calls cost up to 10p per minute plus up to 16p connection charge from BT lines. Calls from other networks may vary. Calls may be recorded.

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If you pay your full balance, and you paid the full balance shown on the previous month's statement by the payment dates, we will not charge you interest on the purchases on the statement.

In an emergency it can be useful to withdraw cash from an ATM using your credit card but it may be cheaper to use your debit card. We charge interest of 3% from the date the advance is charged to your account. This is higher than the rate charged for purchases.

Using your card abroad

Going on holiday, or taking a business trip? Your credit card can be a safe and convenient payment method to make transactions abroad.

Our credit cards are widely accepted at millions of overseas retailers and ATMs. To use your credit card, just look for the Visa and MasterCard logos in retailers or on cash machines next time you are abroad, then use your card as normal.

Find out more about using your card abroad and the associated costs.

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Transferring a balance

If you have other credit or store cards, you might find that you’ll save money by moving these balances onto your Ulster Bank credit card. To do this, just call us on 0345 300 4642 (Clear Rate and Classic Credit Card holders), 0345 300 4643 (Gold Credit Card holders) or 0345 301 7628 (World Credit Card holders).

You can transfer up to 95% of your credit limit (minimum amount £100).

The amount that we can process will depend on the allocated credit limit. If your credit limit is insufficient to process all your requests, we will action them in the order in which you have provided them. 

You may not transfer the balance from another Royal Bank of Scotland Group credit card.

Lines are open 24 hours a day. Calls cost up to 10p per minute plus up to 16p connection charge from BT lines. Calls from other networks may vary. Calls may be recorded.

Add another cardholder

You can add your spouse, partner or close friend to your credit card via Anytime Internet Banking. Additional cardholders must be 18 years old or over. Alternatively, please complete the additional cardholder form and post it or present to your local Ulster Bank branch.

We may need some further documentation for the additional cardholder before we can issue another card. We'll write to you at your home address asking for this if applicable.

 

Get more from your credit card

Contactless

Credit card used to pay for a coffee

Our credit cards come with Contactless technology, so you can pay for everyday essentials under £30 - in less than a second.

More on Contactless

MasterCard offers

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As a MasterCard customer you can enjoy lots of exclusive benefits and offers. Learn more by visiting the MasterCard site.

Visit the MasterCard website

 

Take a look at our guide to credit cards for more useful information on credit cards.

Next steps Manage your credit card
Log in to Anytime Banking
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