Credit card
Find answers to our most frequently asked questions.
- What’s an automatic payment and how does it work?
- What is a Credit Cushion?
- How do I change or cancel my automatic payment amount?
- Can I control the contactless payment limit on my credit card?
- If I choose a custom amount, will this always stay the same?
- What can I do to get a credit limit increase?
- Will I be charged twice if I double tap on the card reader by chance?
- Should I be worried about losing my card and someone being able to spend without my knowledge?
- What should I do if my card is lost or stolen?
- Why was my transaction declined?
- My card/PIN is blocked, how do I unblock it?
- How do I pay my credit card by bank transfer?
- Where can I find information about my APR, interest and fees?
- How can I change my payment date?
- How do I set up automatic payments?
- How do I make a one-off payment?
- Why is contactless not working?
- Can I accidentally make a payment as I walk past a card reader?
- When will I receive my card?
- How do I raise a dispute about a transaction?
- How does the balance transfer card work?
- What should I do if I see a transaction I don't recognise?
- Is a credit limit increase right for me?
- How do base rate changes affect me?
- I'm struggling with my repayments. What should I do?
- How do I apply for a Zopa credit card?
- Do you offer balance transfers?
- How do I close my Zopa account?
- How do I close my Zopa credit card?
- What does pre-approved mean?
- How will you let me know if you’re going to change my interest rate?
- Why is there a new verification step when making credit card purchases?
- What happens if I miss a payment?
- Will my automatic payment amount change if I make extra one-off payments during the month?
- Can I transfer my available balance to another card or account?
- Why am I seeing a blank screen when trying to make a repayment?
- Who can get a Zopa credit card?
- What credit searches do you do?
- Why do I see “Hmm, we’ve got a technical problem” when I try to apply?
- When will I find out the result of my credit card application?
- Why was my application declined?
- When can I re-apply?
- How do I activate my credit card?
- How do I view/change my PIN?
- How will I receive my credit card PIN?
- What if my automatic payment falls on a weekend or bank holiday?
- What fees do you charge?