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I already have another provider's card on my Wallet, can I add more than 1 card for Apple Pay?

Yes, you can add more than 1 unique card.



I’m an additional cardholder. Can I add my card to Apple Pay?

Yes. However, the primary cardholder must have activated their card before the additional cardholder can add their card to Apple Pay. Please note that additional cardholders cannot access the Sainsbury’s Bank app so would need to add their card directly through the Wallet.



Can I use Apple Pay abroad?

Yes. Just look out for the contactless or Apple Pay logos. Remember, when you use Apple Pay abroad there might be different payment limits, and the standard overseas transaction charges will apply.



I’ve used Apple Pay for a purchase. How do I get a refund?

You should get in touch with the retailer in the usual way. You may need your card and device for the refund to go through.



More information about Apple Pay

Please visit the Apple Pay support page for more info.



How to use Google Pay

Google Pay works anywhere you see a Google Pay or contactless symbol at the checkout.

Just unlock your phone and hold it near the terminal. You don’t need to open the app.



I'm an additional cardholder. Can I add my card to Google Pay?

Yes.

However if you and the primary cardholder have the same 16 digit card number (16 digits on the front of your card) you’ll need them present when you are registering your card as they need to help with the verification process.



Can I use Google Pay abroad?

Yes. Just look out for the contactless or Google Pay logos. Remember, when you use Google Pay abroad there might be different payment limits, and the standard overseas transaction charges will apply.



I've used Google Pay for a purchase. How do I get a refund?

You should get in touch with the retailer in the usual way. You may need your card and device for the refund to go through.



How can I improve my credit score?

There are lots of different things that you can try to improve your credit score. These include:

• Checking for any errors on your credit report that may affect your chances of being accepted
• Making sure that all your personal details are up to date and you’re on the electoral register
• Paying back any debts you currently have to help reduce the available credit you have

You also need to make it a priority to make all regular payments on time, to show that you are a reliable person to lend to.

Discover our guide to credit scores to find out more.



When should I pay my credit card bill?

You’ll get a bill – or statement – each month from your credit card provider, which details your spending, remaining balance, how much you have to pay, and when. Make sure you keep on track with these repayments.



Applying for a balance transfer

If you’re registered for online banking then you can request a balance transfer by:

1. Logging in to your account. Not already registered? Register here.
2. Land on 'My Accounts'.
3. Select 'Account Details' for your credit card account.
4. Then select 'Request a balance transfer' from the list of links on the right hand side of the screen or at the bottom of the page if you’re using a mobile phone.

Log in 

Alternatively you can call us between 8am and 8pm, Mon-Fri and 8am and 6pm Sat-Sun on 08085 40 50 60*, select Option 2 (Cards), followed by Option 1.



Understanding your transactions

'Your credit card transactions' are on page 3 of your statement and details all the transactions made on your card since your last statement. You can view your statement online via the Credit Card App or Online Banking. To use these you'll need to register.

Credit Card App

The last 6 months' transactions are available in the app.

1. Download the app and log in.
2. On 'Overview' tap on arrow by Current balance / Available balance.
3. Recent transactions are displayed. Swipe right to move back by month.

Online Banking

1. Log in to your account.
2. Land on 'My Accounts'.
3. Select 'View statements' for your credit card account.
4. Then select the statement you would like to view. Your most recent statement will be at the top of the list.

Log in 

If a transaction appears on your credit card statement that you do not recognise, please call us immediately on 0800 032 1427 from the UK or +44 131 549 8040 from abroad. Lines are open 24 hours a day, 7 days a week. Be aware that calls may be recorded for security purposes and monitored under our quality control procedures. Calls to 0800 numbers are free from a landline and from a mobile when calling from the UK.



Changing your direct debit details

You can do this using the Credit Card App or Online Banking. To use the app or online banking you'll need to register  .

Credit card app

1. Download the app and log in.
2. Select 'Payments' at the bottom of the screen.
3. Tap on 'Upcoming Direct Debit' and here you can 'Edit Direct Debit' or 'Cancel Direct Debit'. Just tap on the relevant option.

Online banking

If you’re registered for online banking then you can view or change your Direct Debit amount (either minimum monthly payment or full balance) or bank details by:

1. Log in to your account.
2. Land on 'My Accounts'.
3. Selecting 'Account Details' for your credit card account.
4. And selecting 'Manage my Direct Debit' on the right hand side of the screen.

Log in 



How does the interest rate reduction work?

Providing you are using your card regularly and make all your minimum payments, you may be eligible for a reduction of your Purchase interest rate within the first year of you opening your account.

As set out in our Terms and Conditions and Credit Agreement, we may vary the interest rates applicable to your account for a number of valid reasons, and for any rate increase we'll tell you at least two months before making the change. 

This means that if your rates go up or down, the interest rate reduction you get will be applied to that new higher or lower rate.