On this page
Overlay
Existing customers
Manage your credit card
Everyday management
Repayments OpenClose
Fees & Charges OpenClose
Transactions OpenClose
How to dispute a credit card payment
If you’ve not received the goods or services you’ve paid for by credit card, the first step in making a claim is speaking to the retailer to see if they can resolve. If the payment was made through PayPal, please refer to their Disputes team for details on how to resolve.
Pay my card
For a fast, simple and secure way to pay your Royal Bank credit card from another UK bank, on our app you can choose to Pay my Card which is powered by Payit. Payit™ is Royal Bank's new payment solution that allows a fast, simple and safe way to pay. It removes the need for you to enter card or account details, passwords or authorisation codes when you are paying online. Instead, you can make secure, instant payments directly from your bank account or mobile banking.
If you use a credit card to buy goods or services, then the transaction could be covered by Section 75 of the Consumer Credit Act. This means that your credit card provider and the retailer or supplier may be equally liable for compensating you if something goes wrong. You may be able to make a claim under Section 75 where:
- the cash price of the goods or services is over £100 but not more than £30,000 (the £100 minimum amount applies to each item or set of items that you buy rather than the total bill- so for example, if you bought two items that together cost more than £100, but each cost less than £100, Section 75 would not apply)
- all or part of the purchase was made using a credit card (even if it is just the deposit)
- there has been a breach or misrepresentation of your contract (i.e. where the goods or services were not as described, were faulty or were not received at all) or
- the retailer or supplier goes into administration before you've received your goods or services
Unfortunately, Section 75 of the Consumer Credit Act was intended to apply to private individuals, sole traders and partnerships only. Claims made by companies and limited companies are not covered under Section 75 of the Act.
It’s important to note, firstly, that liability under Section 75 arises in certain circumstances. Charge cards are not as classified as credit card, and therefore, is not covered by the terms of Section 75.
Information Message
Credit card repayment calculator
Find out how much faster you could clear your existing credit card balance by fixing your payments, instead of paying the minimum amount.
Information Message
Fancy a change?
If you're looking for a credit card that matches your lifestyle and spending habits, you might want to consider choosing from our full range of credit cards.
Information Message
You can see our range of credit cards by following the 'compare our credit cards' link below.
Could a second credit card help you manage your spending?
It's important to remember that a second credit card will mean you could have two balances to pay off every month, including accrued interest. There may also be two annual fees to pay, if you choose a card with an annual fee
Eligibility applies.
Information Message
Reasons to download our app
- If you have misplaced your card, you can lock and unlock it on the app.
- Set up a Direct Debit, pay your credit card or view your last 2 years statements.
- Request a PIN reminder or unblock your PIN.
Information Message
Manage your credit card simply and safely with Digital Banking
- Set up and manage instalment plans and regular payments.
- View your balance and transactions.
- Register your travel plans.
- Adjust your credit limit.
- Request a balance transfer.
Information Message