We will charge you a fee if you're late making a payment (or if you don't make a payment at all) or if you go over your credit limit. For full details of our fees please see "Rates & Fees" section or call 1890 924 257.

No-one likes paying fees if they don't have to so here are some simple tips on how to avoid being charged.

Late Payment Fee

A Late Payment Fee is charged if you fail to pay the minimum payment on time.

Tips on how to avoid the Late Payment Fee

• Your payment can take a while to reach us by post. Your statement will tell you when the minimum payment has to reach your account each month, the different ways you can make a payment and how long it'll take your payment to reach your credit card account. Make sure you send your payment in plenty of time to reach us.
• If your statement date/payment date doesn't suit you, you can change it to one that works with the date you are paid and the due date of your other bills. To change your statement/payment date call 1890 924 257.
• Set up a Direct Debit and you can be certain your payments will be made automatically and on time. You can choose to pay either the minimum amount each month or the full outstanding balance, whichever you find easier. To set up a Direct Debit just call 1890 924 257 or complete the Direct Debit mandate form available in any Ulster Bank branch.
• Make sure you budget for the payment to have enough money in your account when you need to make your payment, or when we claim the Direct Debit.

Overlimit Fee

An Overlimit Fee is charged if your balance goes over your credit card limit.

Tips on how to avoid the Overlimit Fee

• Keep track of your spending, your credit limit and how much you have available to spend. You can do this any time by registering for our online services at www.ulsterbankanytimebanking.ie or by calling 1850 424 365.
• If you've already gone over your credit limit make sure that your minimum payment is enough to bring you back within your credit limit, otherwise you'll need to pay more to avoid another overlimit fee.
• If you need a higher or lower credit limit we're happy to discuss it with you. A credit scoring system based on your current financial status is used to decide the fairest and most appropriate amount for you. If you think you'll have difficulty covering your credit card borrowings, we want to help so please let us know immediately by calling 1890 924 257 if you're feeling under pressure and we'll give you all the help we can.

Interest

Tips on how to avoid paying Interest

• If you pay the full balance by the payment date, and you also paid the full balance shown on the previous month's statement by the relevant payment date, we will not charge you interest on the purchase transactions shown on the statement.
• In an emergency it can be very useful to be able to withdraw cash from an ATM using your credit card but it may be cheaper to withdraw cash using your debit card. There are a few things you need to note:
• If you withdraw cash using your credit card we will always charge interest from the date the advance is charged to your account.
• The interest rate on your Credit Card that applies to cash advances is higher than the rate charged for purchases.
• A handling charge of 1.5% (minimum charge €2.54, no maximum charge) is payable on each cash advance.