Existing customers

Manage your
credit card

Coronavirus credit card support

We understand this is a difficult time for many of our customers. Following the latest government coronavirus announcements, we’ve updated our website to reflect what support is available to you if you are financially impacted.  

From 1 April 2021, we can only accept applications to extend an existing payment break provided you have not received the maximum of six months support. Any agreed extension will be for 3 months or stop after your July statement (whichever is sooner).

Is your existing credit card payment break coming to an end?

When your payment break comes to an end we'll get in touch to let you know what you need to do.

If you've had two payment breaks, please refer to the letter we'll send you around 3 weeks before your payments are due to restart for further help and support.

If you’ve had one payment break and you need additional support,  please visit our dedicated page to find out more about your options. Find out more about your options.

If you know your finances are unlikely to improve and you are worried about the long-term impact of coronavirus, it's important that you get in touch with us to discuss your options. Visit our dedicated page for more information. 

Struggling financially

Everyday management


Pay by direct debit

Paying by Direct Debit is easy and convenient, once set up your payment will be automatically taken each month to pay your credit card statement bill.

One off payments

You can make one off payments yourself, it's just as easy to do. There's a number of ways you can pay your credit card.

Fees & Charges

Manage your fees and charges

You can get the most out of your credit card by keeping on top of your monthly payments. Otherwise, you could end up paying fees and charges.


View your balance and available credit

View your credit card balance and available credit whenever you want and get the most up to date view with Digital Banking or via the Mobile App.

Review your PDF statement transactions

Review, save and print up to 7 years worth of your credit card PDF statement transactions at your own convenience securely with Digital Banking.

Check your transactions

Check what transactions you've made on your credit card and search through up to the last 4 months of your spending with Digital Banking or via the Mobile App.

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.

Plan ahead to repay your balance

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.

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.

You can see our range of credit cards by following the 'compare our credit cards' link below.

A second credit card could help you manage your spending

Keep balances separate by using a second credit card for a specific purchase, event or type of 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. You cannot open a second credit card of the same type as your current card.

Ways of managing your credit card

App available to Digital Banking customers with a UK or international mobile number in specific countries. Digital Banking is available to those aged 11 and over with an eligible Royal Bank of Scotland account.

5 reasons to download our app

  • If you have misplaced your card, you can lock and unlock it on the app
  • Take control of your spend by locking/ unlocking certain transaction types or setting a daily/ monthly budget.
  • Set up a direct debit, pay your credit card or view your last 2 years statements.
  • Request a pin reminder or unblock your pin
  • Register your travel plans

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


Something else we can help you with?