Manage your credit card
All you need to know about managing your credit card
A credit card has many benefits but to get the best from it, you need to be organised with your monthly payments otherwise you could end up paying fees and charges.
There are two main fees you need to know about. Both of these fees are €8.50.
- Late payment fee - if you're late paying your monthly bill
- Over limit fee - if you go over your credit limit
Here are some tips on how to avoid paying charges and interest on your credit card:
Icon expand Late payment fee
Keep on top of your payments. Your statement will tell you when the minimum payment has to reach your account each month.
There are many ways to pay your credit card bill. Make sure you have enough money in your account before a payment is due to come out and send it in plenty of time.
If your statement date or payment date doesn't suit, give us a call on 1890 924 257 and we can change it to one that works for you. Calls may be recorded.
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Keep track of your credit limit and how much you have available to spend. You can do this any time by registering for Anytime Banking or calling 1850 424 365 (calls may be recorded).
If you've already gone over your credit limit make sure that your minimum payment is enough to bring you back within your credit limit, otherwise you'll need to pay more to avoid another over limit fee.
If you need a higher or lower credit limit we're happy to discuss this with you. A credit scoring system based on your current financial status is used to decide the fairest and most appropriate amount for you. If you think you'll have difficulty covering your credit card borrowings, please let us know immediately and we'll give you all the help we can.
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If you pay your full balance, and you paid the full balance shown on the previous month's statement by the payment dates, we will not charge you interest on the purchases on the statement.
In an emergency it can be useful to withdraw cash from a cash machine using your credit card but it may be cheaper to use your debit card. We charge interest from the date the advance is charged to your account (1.5% of the amount of the cash advance, minimum charge €2.54). This is higher than the rate charged for purchases.
Details of the interest you that you may be charged will be listed on your monthly credit card statement.
How do I pay my credit card bill?
There are many ways to pay your credit card bill. You can find out more information here.
How do I order a replacement card?
If your card is destroyed you can order a replacement card in Anytime Banking.
Alternatively please contact us on 1890 924 257 (Classic, Gold and Zinc Credit Card holders) or 1890 253 209 (World Credit Card holders).
Calls may be recorded.
How do I report my card lost/stolen?
If you lose your card or you suspect that it has been stolen please call us immediately on: 1800 245 399.
If you're signed up to Anytime Banking, you can also report your card lost and order a replacement within the Cards section.
Calls may be recorded.