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Frequently Asked Questions

All you need to know about Credit Cards

About AA Credit Cards


Can I transfer a balance from more than one other credit card or store card?

You can transfer the balance from as many other credit or store cards as you wish, up to 90% of your available credit limit. If you need a higher limit to do this, please ask and we'll be happy to consider your request. Transfers from other cards issued by the Halifax and Bank of Scotland are not accepted. We can process balance transfers from the majority of credit cards, however, there are some credit and store cards that we cannot transfer balances from, please call us for details.

Can I have a second cardholder on the same account?

Yes, as long as they're over 18, they are an immediate family member and primarily reside at your current address. They will share your credit limit but you'll be responsible for all their transactions. We'll only take instructions from you, the principal cardholder, but we can give out information to other users of your account. To add an additional cardholder call 0845 300 4706.

Who is responsible for making payments on an additional card?

As the principal cardholder, you are financially responsible for all payments made on the account.

How much is the minimum monthly payment?

The minimum payment is 2% of the outstanding balance or £5, whichever is the greater. If there is an outstanding balance of less than £5, the full amount will be due. If you have a balance at an interest rate of 26.75% of more, then the minimum payment will be 2.25% or £5 whichever is more.

How can I make payments?

You can make payments in many ways. For example: direct debit; cheque; postal order. Full payment instructions will appear on the back of your statements.

What happens if I'm late with payments?

A late-payment fee of £12 will be charged to your account.

What happens if my card gets lost or stolen?

Call us as soon as possible on 0845 300 0344.

About AA Credit Card Rewards


How can I earn AA Credit Card Rewards points?

All purchases will earn reward points when you shop using your AA Credit Card. Balance transfers, cheques and cash advances do not qualify for points.

How can I check how many points I have?

Call the Rewards Helpline on 0800 783 0167.

How can I redeem my points?

Call the Rewards Helpline on 0800 783 0167 or write to us at AA Credit Cards, PO Box 3, Diss, Norfolk IP98 1HH and give us details of the redemption you'd like to make.

AA Credit Card Secure


What is Credit Card Secure?

AA Credit Card Secure is a new service provided by AA Credit Card and certified by Visa International and by MasterCard International, offering secure Internet shopping, using your preferred form of Internet payment – the credit card. AA Credit Card Secure lets you add a personal password to your existing AA Credit Card, getting added security and the reassurance that only you can use your AA Credit Card online. AA Credit Card Secure is a part of MasterCard SecureCode.

How does AA Credit Card Secure work?

When you buy online at a participating retailer, AA Credit Card Secure issues a receipt at the end of the checkout process. The receipt includes details of your current purchase, such as site name, purchase amount and date. You sign the receipt by entering your personal AA Credit Card Secure password, then click 'Submit' to proceed with the purchase.

How does AA Credit Card Secure protect me?

With AA Credit Card Secure only you can sign your receipt and approve a purchase because only you know your personal AA Credit Card Secure password and personal message.

Will I need to apply for a new card to use AA Credit Card Secure?

No. All existing AA credit cards can be used for purchases through AA Credit Card Secure.

When will my account be charged for AA Credit Card Secure purchases?

There will be no change to your existing billing arrangements.

Where can I buy online with AA Credit Card Secure?

Many retailers are already a part of Verified by Visa or MasterCard SecureCode, and more retailers are signing up. A list of participating online retailers is available on the Visa website and MasterCard website.

Do I have to pay for AA Credit Card Secure?

No. AA is offering AA Credit Card Secure free of charge.

What are the computer system requirements for AA Credit Card Secure?

AA Credit Card Secure is optimised for the use of Microsoft Internet Explorer version 5.5 and 6.0, Windows Netscape 7.1 and 7.2, Windows AOL 9, Windows Firefox 1.0 and Macintosh Safari.

I have a smart AA Credit Card with a chip. Does my chip work with AA Credit Card Secure?

Your smart AA Credit Card will work with AA Credit Card Secure just like any other card. Just enter your password when it is requested in order to make a purchase.

What happens when my AA Credit Card expires?

When your new AA Credit Card comes through, the AA Credit Card Secure service is automatically updated with the new card information. You do not need to re-enrol in order to continue using the AA Credit Card Secure service.

What happens if I cancel or lose my AA Credit Card and then get a new one with a different account number?

You will need to register the new card to use the AA Credit Card Secure service (see Enrolment section for details)

Can I set my computer to reject cookies?

Yes, however, we use cookies to enable our computers to recognise you and enhance your use of the website. While you can set both Netscape and Internet Explorer to alert you when a cookie will be placed on your computer (giving you the opportunity to accept all, some or none of them), we do not recommend disabling cookies on our website. Doing so may limit the ways in which we can serve you online.

Enrolment


What is enrolment and how do I do it?

You need to enrol your AA Credit Card for the AA Credit Card Secure service. During enrolment you set up your password and personal message. You also register a log-in name so that you can use the AA Credit Card Secure Personal Account Manager facility. You will also need to review and accept the AA Credit Card Secure conditions of use. You can enrol your Visa card or MasterCard now. You will also be invited to enrol, if you have not already done so, when you purchase at a Verified by Visa or MasterCard SecureCode retailer.

How many cards can I enrol with AA Credit Card Secure?

You can enrol any number of AA Credit Cards. You can enrol all of your AA Credit Card accounts at one time.

Can I use the same password for all of my AA Credit Cards?

Yes. When you enrol with AA Credit Card Secure you will select a log in and a password. These will be valid for any of the cards you have enrolled. You must select a password between six and 20 characters, which includes at least one digit and one letter. You may not use passwords that you have used previously for AA Credit Card Secure. We recommend that you select a password that will be easy for you to remember and difficult for others to guess.

Can additional cardholders on an account use the same password or should they enrol for AA Credit Card Secure separately?

Only the primary cardholder can enrol with AA Credit Card Secure. All other additional cardholders on the same account should use the same log in and password as established by the primary cardholder.

Why do I have to supply personal information during enrolment?

The personal information you are supplying is used as a security measure to make sure you are the real cardholder. The information you supply is verified against the data stored in the AA database. This same information will also be used in case you forget your AA Credit Card Secure password and need to re-enrol.

Why am I required to supply my email address during enrolment?

Your email will only be used for important notifications from AA, and in full accordance with the privacy policy and the terms of use.

What is a personal message?

The personal message is a short phrase (6 to 30 characters long) that you set up during enrolment. This text should be personal, however not secret. Each time you get an AA Credit Card Secure receipt, you should look for the personal message, which proves it is a genuine AA receipt. Please note – you cannot select a personal message that will be identical to the password. Your password must be kept secret, while the personal message is openly displayed to you on the receipt during the purchase authentication process.

What is the card security code?

This is the last three digits that appear on the back of your card, in the top right-hand corner of the signature panel. It is requested as an extra security measure to make sure you're in possession of the card you're enrolling.

What do I do if I have problems during enrolment?

The enrolment process should be straightforward. But, in the unlikely case you experience difficulties, the enrolment website has online information available to help you. If you continue having difficulties, please contact us, using the number on the back of your credit card.

Activation during shopping


What is the AA Credit Card Secure service?

AA Credit Card Secure is a service offered by AA Credit Card in partnership with Visa and MasterCard. AA Credit Card Secure provides a way to password-protect credit card usage on the Internet. Simply register your credit card and choose a password. Your password is required when you use your card to make Internet purchases at participating Visa and MasterCard merchants. The requirement of your password prevents unauthorised usage of your card on the Internet, giving you more confidence about making secure purchases online.

What is 'activation during shopping'?

As an AA Credit Card client, we offer you the chance to activate AA Credit Card Secure when you shop at participating Visa and MasterCard merchants. The activation process is simple and quick – all you have to do is enter a few identifying pieces of information and select the personal password you will be using in your future purchases. Please make sure you read and agree to the conditions of use, as activating the service indicates you have done so. Note that you may not be offered to activate the service online if you have already registered your card to the service in the past.

I activated AA Credit Card Secure, and now I have received an email message saying I should personalise my account online. What does that mean?

When you activate AA Credit Card Secure during shopping, you receive a pre-assigned log-in name and personal message. When you personalise your account you can select a different log-in name and personal message.

What is the 'log-in name'?

When you activate AA Credit Card Secure during shopping, a pre-assigned log-in name that AA Credit Card has selected for you is displayed. The log-in name is based on your first and last name. You will need this log-in name in your future purchases, and also in order to access your Personal Account Manager. After activating AA Credit Card Secure you receive an email message with a link. You can use this link to go online and change your log-in name.

What is a 'personal message'?

When you activate AA Credit Card Secure during shopping, a pre-assigned personal message that AA Credit Card has selected for you is displayed. When you pay online, always look for your personal message before you enter your password to ensure that you're using the authentic AA Credit Card Secure service. After activating AA Credit Card Secure you receive an email message with a link. We recommend that you click on this link and create a new, truly personal message. Please note that your personal message must not be similar to your password.

I activated AA Credit Card Secure. Can I activate it for additional cards?

After you activate AA Credit Card Secure for one card, you are welcome to add to the service any of your AA Credit Cards. This includes AA Credit Card branded cards as well as our partner cards. To activate additional cards, follow the 'Update Details' links on the right-hand menu.

Shopping with AA Credit Card Secure


How do I buy with AA Credit Card Secure?

When you buy online at a participating retailer, AA Credit Card Secure issues a pop-up electronic receipt window at the end of the checkout process. The receipt includes details of your current purchase, such as site name, purchase amount and date. You check that the receipt contains your personal message, and then sign the receipt by entering your password, and click 'Submit' to proceed with the purchase. When you shop online with your AA Credit Card, the AA Credit Card Secure service will automatically be active at participating online stores.

Where can I buy with AA Credit Card Secure?

Many retailers are already a part of Verified by Visa or MasterCard SecureCode, and more retailers are signing up. A list of participating online retailers is available on the Visa website and MasterCard website.

How soon after enrolment can I begin to use the AA Credit Card Secure service to make online purchases?

You can start to use the AA Credit Card Secure service immediately after you complete the enrolment process.

What should I do if I purchase online but the AA Credit Card Secure receipt does not appear?

First, check to make sure that the card you used for the purchase is one that you have enrolled with the AA Credit Card Secure service. Second, determine whether the retailer is a participating Verified by Visa or MasterCard SecureCode retailer. If the retailer is participating and you are using the right card, contact the retailer's customer service centre for help.

Can I shop at retailers that do not participate in the Verified by Visa or MasterCard SecureCode scheme?

Yes. However you will not be able to use AA Credit Card Secure. To complete the purchase at such retailers, simply follow the regular checkout process.

Where can I view the history of my AA Credit Card Secure purchases?

You can view your receipt history by logging in to the Personal Account Manager. You will find a link to the Personal Account Manager website on the AA Credit Card Secure website.

I forgot my password. What should I do?

You must re-set your password by clicking the 'Forgot your password?' link on the purchase receipt or the Personal Account Manager log-in page. You will need to provide the same personal information as you did when you enrolled the card for AA Credit Card Secure. If you enter the wrong password several times your AA Credit Card Secure log in will be locked. You can unlock it at any time by re-setting your password as above.

I don't see my personal message on the receipt. What should I do?

Always look for your personal message before signing the receipt. If your personal message does not appear on the receipt, please do not sign it with your password, and call the AA help desk. The number is on the back of your credit card.

The personal message on the receipt is not mine. What should I do?

Always look for your personal message before signing the receipt. If a personal message other than yours appears on the receipt, please do not sign it with your password, and call the number on the back of your credit card.

The Personal Account Manager


What is the Personal Account Manager?

The Personal Account Manager is a special service offered by AA Credit Card Secure, which helps you trace the receipts of your AA Credit Card Secure purchases. In addition, it enables you to change your account settings: change your email address, password and personal message. You will find a link to the Personal Account Manager website on the AA Credit Card Secure website.

Do I need to write down the details of my online purchases?

No. You do not need to write down details of your online purchases. When using AA Credit Card Secure you do not need to record or even type the purchase details anywhere. Reviewing your previous receipts online is a convenient option through the Personal Account Manager feature.

I am trying to log in to the Personal Account Manager but I have forgotten my password. What shall I do?

If you forget your password, click on the 'Forgot your password?' link on the log-in page. You will need to provide the same personal information as you did when you enrolled the card for AA Credit Card Secure. If you enter the wrong password several times, your AA Credit Card Secure log in will be locked. You can unlock it at any time by re-setting your password as above.

How do I change my password?

In the Personal Account Manager, access 'Manage Your Profile', and select 'Change Your Password'. You will be required to enter the old password, select a new password and retype it for verification. You must select a password between 6 and 20 characters, which includes at least one digit and one letter. You may not use passwords that you have used for AA Credit Card Secure in the past. We recommend that you select a password that will be easy for you to remember and difficult for others to guess.

How do I change my personal message?

In the Personal Account Manager, access 'Manage Your Profile', and select 'Change your personal message'. Your old personal message will be presented, and you will be able to select a new one (6 to 30 characters long). Please note that your personal message must not resemble your password.

How do I update the email address?

Your email address is used for important notifications from the AA. It is therefore important that you keep the email address in the AA Credit Card Secure service updated. In the Personal Account Manager, access 'Manage Your Profile', and select 'Update Your Email'. Your old email address will be presented, and you'll be able to enter a new one.

I have been using AA Credit Card Secure for a while and I would like to add another card to the service. What should I do?

You can either access the regular enrolment, or add another card through the Personal Account Manager: access 'Manage Your Profile', and select 'Enrol Additional Card(s)'.

Useful information


Need help?

If you need any help or want to contact us, please call us on one of the helplines below:

General enquiries 0845 300 4706
Lines open Monday to Friday 7am to midnight, weekends 8am to 6pm

Lost or stolen cards 0845 300 0344
Lines open 24 hours a day, seven days a week

Rewards Helpline 0800 783 0167
Lines open Monday to Friday 9am to 5pm