PAYMENTS

1. Where can I see when my next payment is due?

Simply click on Your Account when you are logged into your online servicing account to see your payment due date, it is under the ‘Your next statement’ section.

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2. Can I change the date my payment is due?

Unfortunately the date your payment is due cannot be changed.

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3. Why have I received a late payment fee?

A late payment fee is applied when we receive payment after the due date or if it was for an amount lower than the minimum amount required.

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4. How can do I avoid a late payment fee?

You need to ensure that you have allowed sufficient time for your payment to reach us.
Please note: cheque payments can take up to 14 working days and debit card can take 3-5 working days. Bank holidays are not counted as a working day.

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5. What does the 'You Have Failed to Make a Minimum Payment' message mean?

This means that the payment you have made to your account was lower than the minimum payment amount required.

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6. Why have I received a returned payment / failed Direct Debit fee?

This may be because you had insufficient funds available to make the payment or Direct Debit. Please refer to your bank for further information.

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7. How do I set up a Direct Debit?

You can set up a Direct Debit online via the Direct Debit page within MyAccount, please follow the instructions.
If you would like to set up a Direct Debit from a joint account, please call us on the number on the back of your card.

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8. Can I amend or cancel my Direct Debit online?

If you wish to amend or cancel an existing Direct Debit please call us on the number on the back of your card.

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9. Am I able to set up a standing order to make payments to my account?

Yes, to set up a standing order you will need to quote the 16 digit number on your card as your reference along with our Sort Code and Account Number

To pay your MasterCard account quote: Sort code: 40-02-50 and Account number: 71236466.

To pay your storecard account quote: Sort code : 30-00-00 and Account number: 00242675

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10. Can I make a payment using my debit card?

Yes, to do so, go to the Debit card payment page and follow the instructions.

Please note we can only take payment by Debit Card, Credit Cards are not accepted as a payment method.

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11. How do I pay my account using my bank's Telephone Banking?

You can make a payment to us via your Telephone Banking by quoting your 16 digit card number (starting 5299)  as your reference along with our Sort Code and Account Number:

To pay your MasterCard account quote: Sort code: 40-02-50 and Account number: 71236466.

To pay your storecard account quote: Sort code : 30-00-00 and Account number: 0024267

Allow five working days for payments to reach us.

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12. How do I pay my account at a bank?

You will need to complete the Giro slip at the bottom of your printed statement and take this into your own bank or any HSBC branch to make a payment. A fee may be charged if you use another bank. Allow five working days for payments to reach us.

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13. Can I make a payment to my account by post?

Yes, to do so, please post us a cheque to Payments, Sygma Bank UK, Providence Row, Durham DH1 1RR.  DO NOT SEND CASH. You'll need to write your 16 digit card number (starting 5299) on the reverse of the cheque.

To pay your MasterCard account, make the cheque payable to SYGMA BANK UK LTD

To pay your storecard account, make the cheque payable to Creation Financial Services Ltd

Please allow seven working days for payments to reach your account.

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14. Can I post-date a cheque?

Yes, but ensure that you send it to us allowing 14 working days to reach your account.

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15. How can I make a payment in the event of a postal delay?

To ensure that your payments reach us in time, we would recommend that you make a payment to us either via our online servicing site or by your bank's internet or telephone banking.

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16. How do I make a payment from abroad?

To ensure that you payments reach us in time, we would recommend that you make a payment to us either via our online servicing site or by your bank's internet or telephone banking.

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17. What happens if I cannot make my minimum payment?

Failure to pay by the due date will likely result in fees being charged to your account. This will affect your credit file. If you are experiencing difficulties making a payment and wish to look at setting up a payment plan arrangement you can do so by calling 0844 844 0535.

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18. Can I transfer money to my bank account?

To transfer money to your bank account from your card account, you need to request a Cash Advance.

Please call us on the number on the back of your card and we can look into this for you.
Please note this is subject to account status.

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19. What do I do if a payment I have made goes missing?

Please call us using the number on the back of your card. We will need to have full details of the payment in order to investigate.

Please note we can only investigate a payment that has actually been debited from your bank account and not received into your card account.

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20. My account is in credit. How do I get these funds returned to my current account?

To request a refund of your credit balance, please call us using the number on the back of your card.

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