- How can I get my money back if I haven’t received what I expected or do not recognise the transaction?
How does a Credit Card work?
A Credit Card is a form of payment that enables you to pay for goods and services in shops or online. Once you have obtained a Credit Card, you have an agreed credit limit with your provider which is the maximum amount you can spend using the card. You are required to pay off any balances on the card in full at the end of each month, otherwise you are charged interest on the amount outstanding on your account. You can also use Credit Cards to transfer balances from other cards, and to withdraw cash.
- What sort of borrowing should you use a Credit Card for?
Applying for a Credit Card
Will I need a credit check?
Yes. A credit check will be completed to ensure that the Credit Card you’ve applied for is right for you. This search will be recorded by the agency we use and may impact your ability to get credit in the short term.
Details of the account, if opened, will be passed to Credit Reference Agencies and information about the running of the account such as the limit and balances as well as payment performance may be used by others.
- Who do I contact if I do not receive my card?
Interest and Charges
- Where can I find out about interest rate and charges?
How is interest calculated?
Your Credit Card may have different rates of interest for purchases, balance transfers and cash withdrawals.
You’ll find your interest rates on your statement.
Interest is calculated as a percentage on the amount you borrow. The longer it takes you to pay off your balance, the more interest you will have to pay.
How do I make a balance transfer?
You can request a balance transfer during the application process. You'll need the card details you wish to transfer the funds from including the card number and amount to be transferred.
If you've already applied and wish to make a balance transfer you can do this through your online account or you can call 0345 3098 099 and we can do this over the phone for you.
The total balances we can transfer will depend on your credit limit. It may take between 2 and 3 weeks to process your application. Until then you may need to make a payment to your other Credit Card.
Security and Payments
What is a Contactless payment?
Contactless is a fast, easy and secure way to pay for goods and services under £30 without entering a PIN. To make a payment, all you have to do is follow the instructions on the terminal and place your contactless card over the contactless reader.
- How will I know what my PIN is?
- Will I be able to change my PIN?
What happens if I forget my PIN or get it wrong?
You'll have 3 chances to enter your PIN correctly when you're trying to pay. If you enter it incorrectly 3 times in a row your PIN will be locked and you'll need to unlock it before you can use it again. To unlock it call customer services on 0345 3098 099. If you've forgotten your PIN you call customer services on 0345 3098 099 and they can send you a new one by post.
Managing your account
How can I manage my account?
Our Customer Service Centre is available to answer any questions you may have about your Mastercard account. You can contact Customer Services by calling 0345 3098 099 at local call rate from anywhere in the United Kingdom or from abroad +353 567 757 747. Our staff are available: Mon-Fri 8am-8pm and Sat 10am-5pm, Sun 10am-5pm to take your calls.
You can also check your credit card balance at any Bank of Ireland 365 cash machine. You’ll find this useful option under “Other Services”. Simply key in your credit card PIN to have your balance displayed on screen or printed out for you.
If you have 365 Online Banking you can also manage your account online.
Can I get help if I get into financial difficulty?
Contact your lender or financial services provider sooner rather than later to see if they can help. There are a number of options they may be able to discuss with you.
If you do get into financial difficulty, it’s important that you let the Customer Service Team know as soon as possible so they can take steps to help. You can call them on 0345 3098 099.
- Where can I get independent financial advice?
Servicing your account over the phone
How do I manage my account over the phone?
All you need to access your account over the phone is your credit card. Once you call us we’ll simply ask you to enter your 16 digit credit card number, your date of birth and your CCV number (the three digits on the back of your card) via the key pad on your phone. Once you’ve entered this information you’ll be able to access all the services available via our automated service.
How do I use the automated service?
Using the automated service is simple. All you need to do is listen to the list of options read out and then select which transaction you wish to use by selecting the option via your telephone keypad. Then the service will automatically direct you to the relevant channel. If you wish to talk to a member of our customer service team you can also select that option from the automated service.
- What services are available over the automated service?
- What if I need to speak directly to a member of staff?