Where can I see my credit limit?

You can see your credit limit online (log in to your account though your desktop or mobile app) and on your monthly statement.

Haven't registered to manage your account online? Register now.

 

What’s the interest rate for my opus card?

You’ll find this on your statement summary.

There’s a section called ‘Your interest rates’ which lists the rates that apply to your card.

 

What happens if I go over my credit limit?

If you go over your credit limit at any time during the month you’ll be charged £12. This fee will show up on your next statement.

To make sure this doesn’t happen, why not set up a free text alert? We’ll send you a message if you’re getting close to your credit limit.

Log in to your online account to switch on text alerts.

Haven't registered to manage your account online? Register now.

 

How often do I have to make a payment?

If you have used your card or you have a balance you will get a statement from us showing where and when you used your opus card, together with the amounts you spent.

You have to make at least the minimum payment towards your outstanding balance every month.

Your minimum payment is the total of any interest and charges, plus 1% of the balance shown on your statement. It’s always at least £5.

If your balance is less than £5 we’ll ask you to repay the full amount.

As an opus customer, you can choose the monthly payment date that suits you best – you can do this up to two times a year.

 

What should I do if I don't receive a statement each month?

If you have a balance to pay, you’ll get a statement every month. 

If you have a balance and you haven’t received your statement, call us on 0333 414 1077* and we’ll see what’s happened.

You can also log in to your online account and choose to receive e-statements online.  We’ll let you know when each statement is ready to look at.

Haven't registered to manage your account online? Register now.

*Calls may be recorded and monitored for training and security purposes and to help us manage your account. Calls to 0333 numbers will be charged at a standard national rate. Call costs from mobile companies and operators may vary so please check before calling.

 

Can I change the day that my payment is due?

Yes. It’s one of the benefits of being an opus customer.

If you need to, you can change the date your payments are due, up to three times a year.

If you’d like to do this, call us on 0333 414 1077*.

*Calls may be recorded and monitored for training and security purposes and to help us manage your account. Calls to 0333 numbers will be charged at a standard national rate. Call costs from mobile companies and operators may vary so please check before calling.

 

Can I get a copy of my last statement?

If you have registered to receive eStatements, the easiest way to see and download your statements is to log in to your online account.

Haven't registered to manage your account online? Register now

You can also call us on 0333 414 1077* and ask for a paper copy of your statement. (There’s a charge of £5 for this).

*Calls may be recorded and monitored for training and security purposes and to help us manage your account. Calls to 0333 numbers will be charged at a standard national rate. Call costs from mobile companies and operators may vary so please check before calling.

 

How often do I get statements?

You’ll get a statement every month if:

 

Do I have to pay everything I owe on my opus card each month?

Because we’re a responsible lender, we always aim to make sure you can meet your monthly repayments comfortably. 

You can pay the full amount shown on your statement, or any other amount you want, as long as you make at least the minimum repayment. You should try to pay more than the minimum payment each month as the longer it takes you to repay your credit card balance, the more your debt will cost you overall.

Your minimum repayment is the total of any interest, any default charges, plus 1% of the balance shown on your statement (at least £5).

If your balance is less than £5, we’ll ask you to repay the full amount. 

 

Can I pay by Direct Debit?

Yes, you can. In fact, we think it’s a good idea – it can help you stay on top of your payments and avoid late payment fees.

You can set up a Direct Debit to cover:

For more details or to set up a Direct Debit, call us on 0333 414 1077*.

*Calls may be recorded and monitored for training and security purposes and to help us manage your account. Calls to 0333 numbers will be charged at a standard national rate. Call costs from mobile companies and operators may vary so please check before calling.

 

How can I pay the balance on my card?

The easiest way is to log in to your online account and pay online.

Haven't registered to manage your account online? Register now

You can pay over the phone by calling 0333 414 1077*.

Pay by post using the payment slip that came with your paper statement.

Or, to make sure you never miss a payment, set up a Direct Debit (see the question before this).

If you can’t pay for any reason, call us on 0333 414 1077* as soon as you can. We’ll do what we can to help.

*Calls may be recorded and monitored for training and security purposes and to help us manage your account. Calls to 0333 numbers will be charged at a standard national rate. Call costs from mobile companies and operators may vary so please check before calling.

 

I can't afford to make a payment this month. What should I do?

If you can’t pay for any reason, call us on 0333 414 1077* as soon as you can. We’ll do what we can to help. 

If you’re struggling with financial difficulties, you can contact the National Debt Line on 0808 808 4000* for free and impartial advice.

They’re also online at nationaldebtline.org 

*Calls may be recorded and monitored for training and security purposes and to help us manage your account. Calls to 0808 numbers are free. Calls to 0333 numbers will be charged at a standard national rate. Call costs from mobile companies and operators may vary so please check before calling.

 

What happens if I don't make a payment or my payment is late?

If you don't make at least your minimum payment by the payment due date, as shown on your statement, you’ll be charged £12.

If you can’t pay for any reason, call us on 0333 414 1077* as soon as you can. We’ll do what we can to help. 

If you’re struggling with financial difficulties, you can contact the National Debt Line on 0808 808 4000* for free and impartial advice.

They’re also online at nationaldebtline.org 

*Calls may be recorded and monitored for training and security purposes and to help us manage your account. Calls to 0808 numbers are free. Calls to 0333 numbers will be charged at a standard national rate. Call costs from mobile companies and operators may vary so please check before calling.

 

Do I have to get paper statements?

Not at all. Many people find it suits them better to receive electronic statements instead of paper ones.

Simply log in to your account, go to ‘Statement preferences’ and switch to e-statements.

Haven't registered to manage your account online? Register now

We’ll send you a reminder each month when your statement is ready to look at.

 

TPPs

Can I grant a third party access to my online payment account? 

Following changes to the law, from 13 January 2018 you can allow an authorised Third Party Provider (TPP) to have access to your online servicing account.   These TPPs are sometimes known as Account Information Service Providers and offer such services as the ability for you to look at all your bank and credit card accounts through one Mobile App or Website.   You can only use a TPP where you have registered for Online Account Manager. 

 

If you choose to use a TPP, please ensure you understand how their service works, such as how they access your account with us and how they will protect your data.    Please be aware that:

 

Customer Consent

Do I need to consent to you using my information to provide me with payment services?

When you enter into a credit agreement with us, you explicitly consent to us accessing, processing, and retaining any information you provide to us, for the purposes of providing payment services to you.

Please note that this does not affect any rights and obligations you or we have under the Data Protection Legislation and you may withdraw this consent by closing your account. If you do this, we will stop using your data for this purpose, but may continue to process your data for other purposes as set out in our Privacy Notice.