You’ve got options

You might want to look at other Credit Card options.

We work with ClearScore – a free service that can help you check what you’re eligible for without affecting your credit score.

Check your eligibility for purchase Credit Cards or compare balance transfer Credit Cards to find the most suitable option for you from their trusted partners. Creation will not earn a commission from any products that you may take.

Why ClearScore?

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Check your eligibility with no impact on your credit score

Check if you’re eligible with multiple Credit Card providers

Check my eligibility

ClearScore is a credit broker, not a lender.

If you take out a product or are introduced to a third-party provider, ClearScore will receive payment from that provider; the payment ClearScore receive may be a fixed or variable amount dependent on the product and lender, but it will not impact the amount you pay back. Creation will not earn a commission from any products that you may take.

What can you do next?

  • Visit clearscore.com to see what other Credit Cards might suit you.

  • You could look to pay off your balance in full using a loan from another provider.
  • Clear your Creation Card balance in full if you’re able to.
  • Keep paying off your Creation Card balance.

If you have any questions or worries, check our frequently asked questions below.

If you’d like to speak to someone, we’re ready to help:

Here’s some extra information that might help:

  1. What does Clause 14 mean?

    Clause 14 is part of your Credit Agreement with Creation Financial Services Limited. This clause gives Creation the right to end your agreement at any time by providing at least 2 months written notice. Your Creation Card will be closed after this notice period, but you will still need to repay Creation any outstanding balance by making at least the minimum repayment each month.

  2. Will the way I pay change?

    No. You can still use your Direct Debit or pay by debit card.

  3. What about my payment plan?

    If you’re on a payment plan – it’ll carry on as normal until the balance is paid off.

  4. Can I still use the app or manage my account online?

    Yes – you can still check your account and make payments using the Creation Credit Card App or your online account manager, until your balance is fully paid off.

  5. Will I still get statements?

    Yes, if there’s a balance and your Credit Card account is in good working order.

  6. What happens to my 0% or Flex offers?

    They’ll carry on as normal, if your account is up to date.

  7. Will this affect my credit file?

    If your account stays in good working order and you make payments on time, closing the card will not harm your credit file from your usage of credit with Creation.

  8. I’m worried about money, or I might need extra support – what can I do?

    We’re here to help if you’re worried about debt or going through a tough time. You can find support and ways we can help at creation.co.uk/support

  9. What if my account ends up in credit?

    If your account is in credit after 01 February 2026, we’ll get in touch to return that money to you.

  10. What if I need to ask about a past transaction?

    You can still get in touch with us. We’re here to help with any questions you might have about your account, please call us on 0371 376 92141.

  11. Cashback

    If you had a Creation Cashback Card, you won't be able to earn any more Cashback as your card is closed. Any Cashback earned will be credited to your Credit Card balance by 01 February 2026, if your account is in good working order. If your Credit Card account is in credit after this date, we'll contact you to send the money to your preferred bank account.
  1. Calls charged at basic rate. The number provided above may be included as part of any inclusive call minutes provided by your phone operator. We may record your call to help improve our service and to ensure your security. Please be aware, this includes periods of hold and whilst you are using our automated phone service.

    Opening hours:
    Monday - Friday:8:30am - 5:30pm
    Saturday:8:30am - 5:30pm
    Sunday:Closed