Managing your Zempler Credit Card

If you’re eligible to increase your credit limit and have opted in to receive Zempler Bank marketing communications, we’ll send you an email invitation.

If you’ve opted out of receiving marketing communications, you won’t be receiving any credit offers from us including the option to increase your Zempler Credit Card limit.

You can review your communication preferences in the Zempler Bank app and Online Banking.

Just follow the steps below.

1. Log in to the Zempler Bank app or Online Banking
2. Go to Settings > Manage notifications
3. Select your notification preferences
4. Click ‘Marketing updates’ to view and decide what channels (if any) you’d like to be contacted by. If you’d like to receive future credit limit increase offers, make sure you’ve opted into the ‘email’ channel.

These are some reasons you might not be eligible for a credit limit increase:

• Your credit card has been open for less than 4 months
• You’re using more than 95% of your credit limit
• You’ve missed or been late making a payment recently
• You’re only making the minimum repayment each month

You’ll receive your PIN in the mail soon after you receive your card. 

Yes. You’ll have 30 days from the date your account opens to cancel your Agreement. You can do this by calling our Customer Service team. 

You can close your credit card at any time in the Zempler Bank app or Online Banking. You’ll be required to repay any outstanding balance, including interest and charges, after which your Agreement will be cancelled.

1. Log in to Online Banking or the app
2. Go to ‘Manage Account’
3. Select ‘Close Account’
4. Follow the prompts to close your account

You’re protected for purchases you make on your Zempler Credit Card under your Chargeback rights, which are governed by Mastercard’s Scheme Rules. You could be entitled to a refund if goods or services you’ve bought on your credit card are:

• Faulty
• Not delivered
• Or you’ve been charged the wrong amount

There are time limits on submitting a Chargeback request, usually 120 days. It can be less for certain types of transactions, so if you believe you have a claim, please call our Customer Service team as soon as possible.

You’re also protected for purchases you make on your credit card under Section 75 of the Consumer Credit Act 1974. You could be entitled to compensation from Zempler Bank Ltd if goods or services you’ve bought on your credit card are:

• Faulty
• Not delivered
• Or the information given about them was misleading

You’ll be able to make a claim under Section 75 of the Consumer Credit Act 1974 as long as:

• At least part of the goods or services were purchased on your Zempler Bank Credit Card by you, unless the purchase was made using an intermediary like PayPal.
• The total value of the goods or service was between £100 and £30,000
• The purchase was made less than six years ago

You can dispute a transaction or make a claim in the Zempler Bank app or Online Banking.

1. Log in to the app or Online Banking
2. Go to ‘Help & support’ (right hand corner in-app)
3. Select ‘Transaction dispute’
4. Follow the prompts 

If you prefer to speak to our Customer Service team, give them a call on 0330 024 0924.