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Do additional payments affect my Direct Debit?

If you make an additional payment towards your balance and also regularly pay by Direct Debit we will still continue to collect the Direct Debit amount either:

• Up to the stated value on your last statement
• Minimum payment percentage

This is dependant on your balance at the time of Direct Debit collection. It is important to note that the amount we collect may include payment towards purchases made after your statement was issued to you.



Is there a cap on points on my credit card?

There are limits to some of the other points offers and introductory offers on our credit cards. Call our credit card customer services if you need any more information about these. You’ll collect 1 Nectar point for every £2 you spend at Sainsbury’s, Argos, Habitat and Tu Clothing when you use your credit card. You’ll collect 1 Nectar point for every £5 you spend elsewhere.**



Is my contactless card payment secure?

Contactless cards and devices have multiple layers of security to protect against fraud. And as they have the same protection as Chip & PIN payments, they’re safer than cash.



If my card is lost or stolen, can the person that finds it keep using it?

If someone makes several contactless payments in a row, they'll be asked to enter the card's PIN for security purposes. And contactless payments can only be made on single purchases up to the value of £100. To buy anything above that amount, the cardholder will be asked to make a Chip & PIN payment in the usual way.



Is there an annual fee on my credit card?

No, we don’t charge an annual fee on any of our credit cards.



Why is it important that I take action if I'm in a Persistent Debt position?

Please visit our persistent debt 'Help and advice' information where we’ll help you to identify if you’re in persistent debt and provide information around repayment advice.



How will I know when my Sainsbury's Bank Credit Card account is not in Persistent Debt?

We will continue to monitor your account and we’ll write to you at appropriate intervals and let you know how you’re getting on with repaying your credit card balance.



Is Sainsbury's Bank verified by Visa?

Yes, we’re part of the global 'Verified by Visa' and 'MasterCard Secure' programmes. So only you can use your Sainsbury’s Bank Credit Card to buy things on the Internet.



Can I keep using my Sainsbury's Bank Credit Card if I'm in a Persistent Debt position?

Yes, as long as your account is open and your card is not suspended, you can carry on using it within your existing credit limit. Just remember, if you do spend more, your minimum payment will increase, but remember if you keep only paying the minimum it will take you longer to repay your balance and it will cost you more.



How will I know if my account is in a Persistent Debt position?

If you’ve received a letter or email from us about this issue, then we believe this affects your account and you should consider whether you are able to take action to move your account out of Persistent Debt. We want to help you so please contact us to discuss the issue.



Once my application is accepted, how long will it take to receive my card in the post?

It usually takes 10 days but may take up to 3-4 weeks for your card to arrive in the post.

If you still haven't received your card after this time then contact us.



If your holiday company is no longer operating

You should look at the company’s website for more information on how to get a refund as most package holidays are covered by ATOL.



How do I find out the balance of my credit card online?

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. Your balance is on the main screen after you've logged in

Online Banking

1. Log in to your online banking
2. Your balance is on the main screen after you've logged in:
    

Be aware that your balance will exclude pending transactions which can take up to 24 hours to show.

Alternatively, contact us and select Option 2 (Cards), followed by Option 1 – say or key in your 16 digit card number, your date of birth and your expiry date. You can then check your balance.



How does Apple Pay work?

When you make a purchase, Apple Pay uses a device-specific number and unique transaction code. So your card number is never stored by merchants or on Apple servers. And when you pay, your card number is never shared by Apple with merchants.



Is it OK to use your credit card daily?

Yes, you can use your credit card daily but remember you will need to ensure you are able to afford the repayments, including any interest that might be charged if you don’t pay off the balance in full every month. 

Using your credit card daily could mean you earn rewards on your daily spending habits and build your credit rating provided you make all monthly minimum repayments on time.