If we think a transaction is suspicious, you’ll receive a fraud alert from Creation by text – asking you to confirm if the transaction is being made by you.
The text message will only ever be either from “Creation” or +44 7366731432.
If the details from the text message match your transaction, simply reply YES. If however the transaction isn’t yours, reply NO – you’ll be given the option to contact our Fraud Team.
When you shop online or access your Online Account Manager, you may receive an OTP (One-Time Passcode) from Creation. If you receive an unexpected OTP, it’s likely to be fraud. Please do not share your OTP with anyone including Creation staff, in any circumstances to keep your account safe.
As well as an OTP, you will have set an OPC (Online Payment Code) which is unique to you. You will never be asked to enter your full OPC as part of an online payment. If you are ever asked for more than two randomly selected characters from your OPC, it’s likely to be a scam – stop and challenge the transaction.
Securely change your personal details, manage your Credit Limit, set up text or email alerts to keep track of your account, contact us securely and much more via your Online Account Manager (OAM) – log in or register today.
If you can’t recognise a transaction or haven’t received what you paid for, head to our dedicated Creation Card and Travel Disputes Portal for guidance on what you can do next.
If you suspect fraudulent activity on your account, you can contact us on 0371 3761489*. Please use this number for fraud queries only; if you have any other questions, we will transfer your call to Customer Services.
We’ll never ask you for your PIN or password
We’ll never ask you to move money to a ‘safe’ account
Scams will urge you to act now and threaten you with warnings
Check the domain name of the email sender
Research the seller before buying online
If in doubt, call the organisation’s official number directly and confirm if the message you received was from them