Can I manage my account online?
Our lines are currently very busy and we're sorry for the inconvenience. Meanwhile, you can still use our online or automated services:
- Log into or register your account online, or download our Credit Card app from the Google Play or Apple App stores. Services include checking your balance, viewing transactions, PIN services and updating your contact details.
- Call our 24/7 automated phone self-service on 0345 600 5606 to check your balance, previous transactions and make a payment.
Do you offer a payment break?
If you think you'll struggle to make your monthly credit card payments due to the coronavirus situation, you can request a payment break of up to 3 months. You can apply up to 31 October 2020.
This means we can temporarily reduce your monthly credit card payment to just £1.
However, you'll still be charged interest on the full balance for each month during the payment break.
The payment break won't impact your credit score.
While a break can help short-term problems with your cash flow, do consider if it's right for you. If you can afford to pay at least your contractual minimum payment, you should continue to do so. This will reduce the amount of interest you pay, and pay off the balance more quickly.
Am I eligible for a payment break?
At the moment, we're only offering a payment break if:
- You're up to date with your payments, or you've only missed your most recent payment.
- Your income has been impacted as a result of the coronavirus situation.
- You are the primary cardholder.
If you're already in arrears, or have financial difficulties that are likely to last more than 3 months, then a payment break might not be right for you. If this is the case, call us on 0345 600 5606 and we can discuss your individual circumstances.
What should I know before requesting a payment break?
- Only the primary cardholder can apply for a payment break - we can't accept applications from additional cardholders.
- The payment break is for a 3 month period. During this time we'll reduce your minimum payment to £1.
- You'll be charged interest on the full balance for each month during the payment break. Your monthly statement will show you the interest charged and estimated interest for the following month.
- By taking a payment break it'll cost you more to repay your balance. Your minimum payment will increase after the payment break due to the interest charged and any spend that has taken place during this period.
- At the end of the payment break, your monthly payment will go back to your contractual minimum payment. Your statement will show your minimum payment amount due when you need to pay it.
- During the payment break, you can carry on using your card up to your available credit limit.
- You can continue to make additional payments to reduce your balance if you want to during the payment break.
- If you usually pay by Direct Debit, we'll advise you of any changes required. Check your monthly statement too as this will confirm how much and when your Direct Debit will be taken.
- We won't report this payment break to credit reference agencies. However, lenders may obtain payment break information through other sources and take account of it in future lending decisions.
How much might a payment break cost?
During the payment break we'll reduce your minimum payment to £1. You'll be charged interest on the full balance for each month during the payment break so your balance will increase. As a result your minimum payment will go up once the payment break has ended.
Examples of how much a payment break could cost are shown below:
- The figures used are for illustration only and don't show exactly what will happen to your account. The minimum payment in these examples is calculated as the maximum of £5, 2.5% of balance or 1% of balance plus interest.
- The examples above show how a 3 month payment break could impact the minimum payment due. They assume no additional spend on the account during the payment break - any additional spend will increase the balance and this will mean your minimum payment will be higher.
- The amount of interest charged to you during the payment break will depend on your balance, your interest rate, and the amount you spend on your card. This will also determine the minimum payment due when the payment break has ended.
- Estimated additional interest per year assumes minimum payments resume after the break period and no further spend on the account..
How will I know when my payment break is ending?
We'll contact you by email before your payment break ends. When it's ended, your next statement will show your new contractual minimum payment, and when it's due to be paid.
Be aware this payment will be higher: it will be based on the outstanding balance, including any new spend and interest accrued during the payment break.
If you can resume your minimum payments at the end of the payment break, you should do so. You don't need to contact us to do this.
And if you can afford to pay more than your minimum payment, this will help to pay off your balance more quickly, and save money through reduced interest charges.
What if I can't afford to pay my minimum payment once my payment break ends?
If you're confident that you can resume your minimum payments within the next 3 months, but need further temporary support due to the coronavirus situation, we may be able to offer you a further payment break.
If you're worried that you won't be able to resume your minimum payment once your payment break ends, call us as soon as possible. We'll ask about your everyday spending, so it will help to have details about your income and outgoings to hand.
Your income will include salary, any benefits and other income. Outgoings can include:
- Mortgage or rent
- Utility bills, such as gas, electricity, water
- Credit card or loan payments
- Vehicle expenses, such as fuel, insurance, tax, maintenance
- Gym or sports membership
If you want free, confidential and impartial advice about your finances, you can contact these organisations:
They will explain the different options available to you. If you're already in touch with an organisation that's giving you financial advice, tell us and we can deal with them directly.
The Financial Conduct Authority also provides consumer information and details of free sources of impartial financial help.
You should seek help that you feel best suits your circumstances.
Can I apply for a further payment break?
If you can resume your monthly payments, it's in your best interests to do so.
If you still have or are likely to experience short term issues with your finances as a result of the coronavirus situation, you can apply for one further payment break for up to 3 months.
Remember that if you do apply for a further payment break the amount you owe will increase, because interest will continue to be charged on the outstanding balance and on any new spend.
Accordingly, your contractual minimum payments will increase once your payment break ends, so do consider if you can afford the increased payments.
We won't report to credit reference agencies that a payment break has been requested. But lenders may take into account other information when making future lending decisions, including information provided by you or bank account information.
We can only offer a maximum of 2 consecutive payment breaks on your credit card account
A payment break isn't right for me but I'm still impacted by coronavirus
If you're concerned about your ability to repay your credit card, call us on 0345 600 5606 and we can discuss your circumstances.
For more help, the following organisations offer independent financial advice:
Persistent debt update
If you received a letter from us saying your account is in persistent debt, and that your card will be suspended if you don’t contact us within 30 days, don’t worry.
Due to the coronavirus situation, and following advice from the Financial Conduct Authority (FCA), we’re extending the deadline for you to get in touch with us until 31 October 2020.
This means that if we don't hear from you, your card won't be suspended and you can continue to use the card for now.
We recognise that these are challenging times. If you're having financial difficulties and are concerned about paying your credit card, do call us on 0345 600 5606.
How can I claim for something I've paid for with my card?
If a transaction paid for by your credit card has been affected by the coronavirus crisis, such as the cancellation of an event, you can make a claim by writing to us at:
Chargeback Unit, AA Credit Cards, PO BOX 2138, Belfast BT1 9RX
You'll need to include the following information:
- 16 digit card number
- cardholder's name
- cardholder's address
- your phone number
- copies of all documents regarding the purchase
- the name of the payee shown on your credit card or bank statement, for example easyJet, Ticketmaster
- date of purchase – DD/MM/YYYY
- payment amount shown on your card or bank statement
Due to the large number of transaction claims, processing them is taking longer than usual, so bear with us.
If you've already made a claim, there's no need to call us. We'll be in touch if we need more information.
When is your call centre open?
Due to staffing restrictions arising from the coronavirus situation, we've had to adjust our opening hours. The times are shown above, and we're sorry for any inconvenience.
Meanwhile, you can log into or register your account online, or download our Credit Card app from the Google Play or Apple App stores.
Is the contactless card limit changing?
From 1 April, the limit for contactless payments increased to £45.
The new limit may take some time to be introduced by retailers at this difficult period, so do bear with them.