1. What promotional offers are available on my account?
You will be sent details of promotions periodically within your statement by mail or via text, email or by phone (if you have signed up to be contacted by these means - if not please go to Change preferences).
2. How do I request an increase to my credit limit?
A request to increase your credit limit can be made from 3 months after the date you opened your account. Click on Change credit limit from your statement page within MyAccount and follow the instructions. In most cases this will result in a credit bureau verification check being conducted.
You can transfer a balance from another credit or store card in your name at any time.
Please note: until the transferred balance appears on your monthly statement you should continue to make payments to your other lender. Balance transfers are not permitted from existing credit card accounts and loans issued by Creation Financial Services Ltd, Creation Consumer Finance Ltd and credit card accounts issued by Sygma Bank UK.
As you’d expect, there is a limit to the amount that can be transferred at a promotional rate. The minimum amount is £50. The maximum amount will be up to 90% of your available credit limit. For example, if you have a credit limit of £1,000 and your current balance is £500, you can transfer £450. However, if your current balance is £0, you can transfer £900.
If you would like to transfer a balance larger than your current credit limit would allow, or want to ensure that you still have funds for new purchases, then call the customers services team on 0871 376 9236, and we’ll do our best to help.
We regularly offer promotional rates to our existing customers. These can differ from month to month and could be for a fixed period of time, or until the transferred balance has been repaid in full.
The rate and period of any promotional offer can be found within the balance transfer terms and conditions relating to that particular offer.
You'll be charged interest (where it applies) at the promotional rate from the day the balance is transferred. If you're offered a rate for a fixed period of time, any balance remaining at the end of the period will revert to your standard rate.
10. How much will I have to repay each month for a balance transfer?
Your monthly statement will tell you the minimum amount you need to pay and the date that payment is due. You can then choose to pay either this amount - or more if you prefer.
We will allocate your payments to pay balances relating to higher Interest rates first. Where fees and charges are payable your payment will be allocated to the Interest rate applicable to these fees and charges, again relating to the higher Interest rate first. See clause 7 of customer terms and conditions for full details.
Please remember that our promotional offers all have offer close dates, so to benefit from a specific rate make sure you apply before the offer end date. We reserve the right to refuse a balance transfer.
It depends. If you have a cash limit displayed on Your Statement page, then you are able to withdraw cash from any ATM Machine displaying either the LINK or MasterCard logos (up to £250 for Storecard holders and up to £300 per day, for MasterCard holders, up to your available credit limit).
Please note: there will be a Cash Handling Fee of 3% or £5 (whichever is greater) for doing so.
14. What if I do not have a PIN and want to withdraw cash?
Please check that you have a cash limit on Your Statement page. If you do and you don't have a PIN, please call us on 0871 376 9236 and we can request one for you. Please note: they can take between 7-10 working days to be delivered.
A Cash Handling Fee is charged for withdrawing cash from an ATM, requesting a cash transfer or a Cash Advance and for certain transactions that request cash from your account, such as gambling and mobile top ups.