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