Refund of credit card cash advance fees
Refunds on request for RBS credit card cash advance fees, where you've needed to access cash in an emergency.
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Existing customers
Manage your credit card
Paying your minimum monthly payment can help you reduce your costs in the short term, however it means that it would take longer to pay off your credit card debt. If you are able to pay more than the minimum monthly payment you could clear your balance sooner and prevent interest from building up.
Credit card payment holiday
If you still feel that you cannot pay the minimum, then we could provide a credit card payment break without impacting your credit score. This would mean for 3 months, you will only pay £1 per month. Interest will still be applied during this time so your minimum payment may be higher than usual once the payment break ends. If you have an instalment plan setup, this will be cancelled and your remaining balance will be added to your overall credit card balance.
To apply, log into our mobile app, simply tap 'Help' at the bottom of the screen followed by 'Message us' and quote 'coronavirus credit card' in your message.
Find out how to get the app
App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries. Digital Banking available to customers aged 11+ with a Royal Bank of Scotland account.
Credit card payment holiday FAQs
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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.
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.
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 3 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 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