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How can I make a payment?


Credit Cards

Direct Debit

By setting up a monthly Direct Debit, you don’t need to worry about remembering to make repayments - just set it up once and your repayments will be taken regularly. You also have protection under the Direct Debit Guarantee.

Online

The easiest way to manage your account is using Online Account Management. You can make payments, view transactions and update your details securely. If making a payment through Online Account Management, please allow three working days for the payment to reach us.

Bank transfer

Your account number (starting 5299) must be quoted as a reference. For store cards, your account number (starting 6319) must be quoted as a reference.  Please allow five working days for payments to reach us. Our payment details are:

Credit Cards Store Cards

Account name: Creation Financial Services Limited

Account name: Creation Financial Services Limited

Sort code: 40-02-50

Sort code: 30-00-00

Account number: 71236466

Account number: 00242675

Telephone

0371 376 9214

Please have your account number to hand when you call. Allow three working days for payments to reach us. Calls may be recorded. Calls charged at basic rate. The number provided may be included as part of any inclusive call minutes provided by your phone operator.

At a bank

Take the payment slip from your monthly statement and your payment to your own bank or any HSBC branch. A fee may be charged if you use another bank. Please allow five working days for payments to reach us.

By post

Complete the payment slip and make cheques/ postal orders payable to Creation Financial Services Limited. Remember to write your account number (starting 5299 for credit cards or 6319 for store cards) on the back. Please do not staple or fold the cheque/postal order/giro.

Send both to:

Creation Financial Services Limited,
Providence Row,
Durham,
DH1 1RR

You should allow seven working days for payments to reach us. Do not send cash under any circumstances.

 

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What are “contactless” payments and how do they work?


Contactless payments can be made by tapping contactless enabled cards against certain terminals for purchases of up to £30. It reduces the need to enter your PIN, making your overall transaction quick and easy. The process uses wireless technology within your card and the reader - both with the same security levels as Chip and PIN transactions.

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How secure are “contactless” payments?


Contactless payments use the same technology as Chip and PIN transactions, and no additional details are transferred during your transaction. There are also key measures in place to keep you safe when using any card payment services, such as:

  • Capped transactions – you can only make payments of up to £30, and can never make the same transaction twice. This keeps you secure as your card will automatically refuse a repeat transaction, or anything over the limit
  • Fraud protection – any suspicious activity on the account, noticed by you or by us, will result in future contactless features being blocked immediately. You will not be liable for any fraudulent activity with your account unless you have been negligent with your PIN – which should always remain a secret.

Although your card may be contactless-enabled, the choice to use this feature is entirely yours. Your card will work in a normal Chip and PIN manner without any interference, if you insert your card rather than tap it into card machines. 

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Have I been sent the right Creation card?


At Creation, we've recently redesigned our suite of Creation cards, so you may have received a Creation card that looks different to the one shown when you applied, or one you’ve had previously. With our green Creation purchase card and silver Creation cashback card there's a Creation card to suit everyone. Please be assured that all the great offers and benefits of the card that you applied for are exactly the same, as are all the terms and conditions.

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How do I activate my card?


Activating your new card is easy, just call us on 0371 376 9243 and follow the instructions.

Calls may be recorded. Calls charged at basic rate. The number provided may be included as part of any inclusive call minutes provided by your phone operator.

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My card is damaged, how do I replace it?


Give us a call using the number on the back of your card and we'll issue you with a replacement card. Your new card will be delivered within 7-10 working days.

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My card has expired and I have not received a new one as yet. What should I do?


Please call us on the number on the back of your card and we'll arrange for a new card to be sent.

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If I am due to go on holiday, should I advise you where and when I am going?


Yes, it is always good to do so. We can then prevent your card from being unnecessarily declined when spending abroad.

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Can I use my card when I am abroad?


Yes if you have a credit card account with us.

Your MasterCard can be used in over 33 million locations worldwide, wherever the MasterCard symbol is displayed.

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When I use my credit card abroad will I incur any charges for doing so?


There is a 2.99% foreign conversion charge per transaction. For all our Credit Cards except our Everyday Credit Card that has no fee.

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How do I know my account is closed when cancelled?


You may request confirmation in writing that your account has been closed.

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If I need to contact you from abroad, what number do I need to call?


If you need to call us from overseas the number is +44 121 712 5715.

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How do I close or cancel my account?


To close or cancel your account with us, please call us on the number on the back of your card.

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What are your opening hours?


Our UK-based call centre is open:

  • Monday to Friday, 8.30am - 8.00pm
  • Saturdays, 9.00am - 6.00pm
  • Sundays, 10.00am - 4.00pm

Jargon Buster

Get to grips with confusing phrases you'll come across when finding a credit card

Additional cardholder

Some credit card accounts allow the account holder to nominate a trusted additional cardholder. This will allow that person (who must be over 18) to spend on the main cardholder's account using your card. Any spending on the additional card will be charged to the main account, and will be payable by the main cardholder. Credit card companies may specify conditions about who that additional cardholder can be.

Annual fee

Some companies charge a yearly fee for a credit account. This fee is separate from any interest that may be charged on the account.

APR

APR stands for Annual Percentage Rate; this is the rate of interest at which any outstanding balances are charged.