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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.


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 3 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 5 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: 40-63-84

Sort code: 40-63-84

Account number: 86447010

Account number: 86009016


0371 376 9214

Please have your account number to hand when you call. Allow 3 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 5 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,

You should allow 7 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 compatible 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 terminal. To start using your contactless credit card, you’ll need to activate it and make one Chip and PIN transaction first. Then you’re ready to go, simply hold your card over the Chip and PIN terminal to pay. Contactless payments offer the same security you’re used to with Chip and PIN so although there’s no need to enter your PIN every time, you may be asked to occasionally.

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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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What is an Eligibility Check?

An Eligibility check means we will do a "soft" search of your credit file before an application, you will see a search on your credit report but this is only visible to you and us. A "soft" search won't affect your credit score but will give you a better understanding of your chances of acceptance before you apply. Please note, however, that if you are eligible this doesn't guarantee acceptance. Click here for more info.

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How do I activate my card?

Activating your new card is easy, go online to and register or login to complete. You can also call us on 0371 376 9243.

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 3-6 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. The foreign currency conversion fee may differ depending on which of our cards you have, the specific details will be listed in your Terms and Conditions, or you can call us to confirm.

You can also withdraw cash abroad, from whereever the Mastercard symbol is displayed (subject to your available cash limit), there will be a 2.99% foreign conversion charge and a Cash Handling Fee up to 5% or £5 (whichever is greater) for each transaction. Please note the cash machine may also charge a 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. If you have a balance on your card when you close it you will continue to receive your monthly statements, once your balance reaches zero these will stop. 

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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.

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.


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

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.