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What happens if I am unable to increase my payments if I'm in a Persistent Debt position?

If after monitoring 36 months of transactions on your account, it is still showing as being in Persistent Debt, we’ll write to you again to tell you what further action we will have to take, this may include suspending your Sainsbury’s Bank Credit Card to stop further spending.

If you cannot afford to increase your monthly payment or are having difficulty making your monthly payments we want to help you so please contact us to discuss the issue.



What are SMS notifications?

If you turn on transaction notifications, it’ll help you monitor spend that you make on your Sainsbury's Bank Credit Card. Simply log into the Sainsbury's Bank Mobile App, select Settings and SMS Notifications. You’ll then see the transaction types you can turn on to receive an SMS notification.

The notification types available are:

Online Purchase Notifications – if you switch this on we’ll send you an SMS each time you make an online purchase at merchants who are based in the UK and abroad.

Transaction Value Notifications – you get to set the minimum value in the Sainsbury's Bank Mobile App and we’ll send an SMS each time you spend on your card on or above that amount. For example if you set the value at £50 you will receive an SMS each time you make a purchase of £50 or more.

Note: you won’t receive this SMS for any online shopping. If you want this then switch on Online Purchase Notifications.

International Card Purchases – if you switch this one on we will send you an SMS each time your card is used abroad at shops or to make a mail/telephone order at a non UK merchant.

Note: you won’t receive an SMS for using your card at an ATM abroad. If you are looking to be notified about this then switch on Transaction Value Notifications. Similarly if you want to receive notifications about international online purchases you will need to switch on Online Purchase Notifications.



What fees do I pay on my credit card?

Fees and charges

These include:

• Late Payment Fee - £12
• Overlimit Fee - £12
• Returned Payment Charge - £12
• Changing your statement date more than twice in six months − £5

Cash advances

When you withdraw cash, you’ll be charged 3% of your withdrawal or £3, whichever is greater. There’s no interest free period on cash, so you’ll be charged interest from the day you withdraw it until it’s paid off.

Cash advances include:

• Cash obtained by using the card
• Finance payments or gambling transactions
• All ATM withdrawals

Balance transfers and money transfers

We may charge a fee for a balance transfer or money transfer. This fee will vary depending on your current offer. If we've sent you a personal offer you'll find details of the fees on it. Or you can contact us to find out.

Charges when you use your card abroad

When you use your card abroad, your payment will be converted into sterling at the rate determined by the payment scheme (Mastercard or Visa). You may be charged a fee of 2.75% of the value of the transaction.

There’s more information in the Terms and Conditions.



What should I do if I don’t recognise a transaction?

Here are some initial checks you could make:

• Check with any additional cardholder(s) as they may have made this transaction.
• Check your receipts/emails/PayPal account for any transaction/confirmation on the same day, for the same amount. 
• Check the retailer’s name as many retailers trade under different names, so it may not be what you expect. Try entering the name into a search engine to find out more.
• Check for regular payment amounts, for example to Amazon or PayPal. Or could this be an annual subscription?
• Have you purchased something in relation to games consoles? This might be an add on which is charged monthly.
• Have you purchased a care plan with a product? For example, AG Product Support are in partnership with Curry’s and provide care plans for laptops.
• Have you signed up for a free trial? This may have ended and you’re now paying for the goods/services.

If you or your additional cardholder(s) did not authorise this transaction, please call us straight away on 0800 032 1427.



Can I change an existing Direct Debit via the app?

Using the app, you will be able to amend the value of the Direct Debit to 1 of 3 options:

• Minimum balance: this will collect the minimum payment shown on your monthly statement. You can find out what the minimum repayment is for your Credit Card by looking at your Credit Card statement.
• Full balance: this will collect the total balance shown in your monthly statement.
• Fixed amount: this allows you to choose the fixed amount you want to pay each month. If the fixed amount is more than your statement balance we will set the payment to the statement balance. If the fixed amount is below the minimum, we will take the minimum amount due.

But you can still manage changes to other details of your Direct Debit using our online banking, for example your bank details.


How can I improve my credit rating?
Whilst using credit cards responsibly to build credit is one way you can help improve your credit score, you can also improve your credit rating by staying on top of your finances. Here are a few tips on how you can do this:
1. Make repayments on time. Making your payments on time, every time is an important way to build your credit score. Late or missed payments can be reported to credit reference agencies and are often used by lenders to ascertain your likelihood of making future payments.
2. Check your credit report regularly. You can check your credit report to pick up on any potential problems or suspicious activity before you make a credit application. Equifax, Experian, and TransUnion all let you see your report for free and you can get in touch with them directly if you spot any mistakes.
3. Get on the Electoral Register. If you're not signed up to vote or your details don't match, lenders can find it harder to check your identity. It's quick, easy and free to register to vote.
4. Settle any outstanding CCJs or credit agreement defaults as far as is affordable. It's important to settle any CCJs or defaults as soon as possible in order to prevent further harm to your credit score and get it moving in the right direction.
5. Spread out any credit applications, so they're not over a short space of time. Each application for credit leaves a mark on your credit report. Applying for too many credit products in a short space of time can be a warning sign to lenders.
6. Stopping frequent withdrawals of cash from your credit card. Taking cash out with your credit card can be seen by lenders as a sign of cash flow problems and could negatively affect your credit rating. Using your debit card for cash withdrawals helps keep your credit rating intact.
7. Stay within your credit limit. It's important to try to keep below your credit limit. Not only will this help avoid any overlimit fee, but it could make you look more reliable to lenders. Check your account balance regularly to get an idea of how close you're getting, or get in touch with your lender if you want to increase your limit or see what steps you can take if you need help.


Understanding your credit card statement

View our guide Your Credit Card statement explained (PDF, 138KB)
 

Understanding your account summary

Your account summary is in the right hand corner on page 1 of your credit card statement.

• Your 'Previous balance' is the closing balance from your last statement
• 'Payments and credits received' is the sum of any credits added to your account within the statement period. This includes payments you’ve made to your account and any refunds received
• 'New transactions & interest' is the sum of any new purchases, cash withdrawals, interest or balance transfers from other providers
• If you have a Direct Debit set up, the details of this will be shown under ‘Payment information’. The 'Direct Debit amount' will show the amount that’ll be collected on your payment due date
   

Understanding your fees and charges

The ‘Summary box’ on page 2 of your credit card statement contains information on any Fees, Charges or Default Charges you could be charged. This excludes interest.
 

Understanding your credit card transactions

‘Your credit card transactions’ on page 3 details all the transactions made on your card since your last statement. This includes payments and credits received as well as new purchases, transfers and interest.



Is Apple Pay safe?

Apple Pay is a secure way to pay, without the contactless limit. Get the same easy experience whether you're buying coffee in Sainsbury's or a coffee machine in Argos. It uses a device-specific number and unique transaction code when making payments – this means your card number is never stored and your information stays safe.



How is interest calculated?

We calculate interest:

• On a daily basis on transactions from the date the item is debited to your account until the balance is paid in full.
• On the whole balance shown on your statement until you make a payment. After that payment registers in your account, you’ll be charged interest on any balance that remains.

We don’t charge interest on purchases made during your latest statement period if you pay off your full balance (including any balance transfers and money transfers) by the payment due date and if you also paid your previous month’s balance in full by the due date.

If you don’t pay your balance in full we will allocate payments to balances with the highest interest rate before balances with the lower interest rates. Please refer to the Terms and Conditions (PDF, 167) for full details.

We don’t recommend that you only pay the minimum payment for prolonged periods.



What should I do if my credit card PIN has been locked?

If your PIN is locked you can unlock it at a cash machine.



What's the smallest payment I can make towards my credit card bill?

You need to make at least the minimum payment each month. You can check how much your minimum payment is by logging into online banking and looking at your statement – remember the exact amount varies every month depending on your balance.

Want to check your statement but not registered for online banking? You can register here. If you want to check how we calculate your minimum payment, take a look at the terms and conditions we sent with your credit card.



What if I have a disability that prevents me from using a PIN?

If you have a disability that makes it difficult for you to use or remember a PIN, you can request a Chip signature card – just call us on 08085 40 50 60.

We strongly advise that you never write down or tell anyone your credit card PIN. Also, you should never give your card or card number to anyone unless you’re giving payment details.

If you think anyone is using your card without your permission, call us immediately on 0845 300 0344. We sometimes record telephone calls for security purposes, or monitor them under our quality control procedures.



What notifications and alerts can I set up within the mobile app?

At the moment the mobile app doesn't support notifications or alerts but development is ongoing and this may be a feature in future releases.



What do I do if I lose my phone?

Find My Device (google.com/android/find) will help you find, lock, and erase your phone. Also, you can simply search “Find my phone” and Google will show you where it is on a map.

If you still can’t find your device, you should contact 0800 456 1232 (00 44 131 549 8040 if calling from outside of the UK) immediately so we can remove and suspend Google Pay. Lines are open 24 hours a day, 7 days a week.

You can use your plastic card as usual.

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.



What does variable APR mean?

Most credit cards have a variable APR, which means that your card's interest rate could change after it's opened. This can change depending on how much it costs us to provide you with credit - for example when the Bank of England base rate changes - our assessment of your ability to repay, or other factors. If the APR on your card is going to change, we'll usually tell you before it happens and explain how it could affect your monthly repayments.