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Existing customers
Manage your credit card
Mobile app
- Take control by locking/ unlocking certain transaction types.
- Set up a Direct Debit, pay your credit card or view your last 3 years statements.
- Register your travel plans.
- If you have misplaced your card, you can lock and unlock it on the app.
- Request a pin reminder or unblock your pin.
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Anytime Banking
- Set up and manage regular payments, including paying your credit card.
- View your balance and transactions.
- Register your travel plans.
- Adjust your credit limit.
- View up to 7 years of credit card statements.
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App available to personal and business customers aged 11+ using compatible iOS and Android devices and a UK or international mobile number in specific countries. Anytime Banking is available to customers aged 11+ with an eligible Ulster Bank Northern Ireland account.
Late or missed payments
It's important to make your payments on time otherwise you could be charged more in interest and it could impact your credit file.
Avoid late payments by setting up a Direct Debit
One simple way of avoiding missing or being late with payments is by setting up a Direct Debit. This would mean the payment would be taken automatically on a monthly basis. You can set the Direct Debit to pay the minimum amount, the full balance or a set amount.
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Going over your credit limit
It's important to stay within your credit limit otherwise you could be charged more in interest and it could impact your credit file.
To help you stay within your limit, we will send you a text when you are using 95% of the credit limit. Please ensure your mobile number is up to date so you receive these alerts.
Another simple way to help manage your credit card is by having our Mobile app which means you can log on anyway, anytime and see what your balance is.
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Returned payments
A returned payment is when the payment from your Direct Debit or cheque is rejected. This will have been due to insufficient funds in the account that the payment is being made from.
You might want to consider changing the date of your statement which will change your payment date, so that it is at a more convenient time.
If you would like to discuss this option please contact us.
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Using your card abroad
Going on holiday, or taking a business trip? Your credit card can be a safe and convenient payment method to make transactions abroad.
Our credit cards are widely accepted at millions of overseas retailers and ATMs. To use your credit card, just look for the Visa and MasterCard logos in retailers or on cash machines next time you are abroad, then use your card as normal.
Find out more about using your card abroad and the associated costs.
Contactless
Our credit cards come with Contactless technology, so you can pay for everyday essentials up to £100 - in less than a second.
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MasterCard offers
As a MasterCard customer you can enjoy lots of exclusive benefits and offers. Learn more by visiting the MasterCard site.
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Pay my card
For a fast, simple and secure way to pay your Ulster Bank credit card from another UK bank, on our app you can choose to Pay my Card which is powered by Payit. Payit™ is Ulster 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.