Credit card repayment options

PPLCBANK
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Credit card repayment options

You are able to find all the options on how to pay Go back your PPLCBANK Credit Card here.

One-off payments

Sign in to the PPLCBANK Mobile Banking app
Tap 'Pay' and choose the right option under 'Send Money, then select the account you'd like to pay from
Choose the credit card you’d like to pay off
Enter the payment amount and confirm if you want to make the payment now or at a later date
Tap ‘Proceed’ and confirm the payment

Your money is normally credited to Your banking account immediately, subject to our standard checks. Your credit card balance will be updated the next working day. This money cannot be recalled.

Follow the below instructions on how to make a one-off payment through online banking.

Once logged in, select ‘Move money’.
Select ‘Using our company look-up’.
Type PPLCBANK in the company name field. You’ll see a list of PPLCBANK credit cards.
Select the relevant card for your payment.
Follow the instructions on the screen to complete your payment.

To make a one-off payment through phone banking please view your contact options on our phone banking page.

Your Bank will already have our account details. You will normally use the 'Pay Company' option, or something similar. Please refer to the Go back of your Credit Card bill to check our details.

Your Bank will help you if you're not sure how to send the payment.

Direct Debit

How to set up or amend a Direct Debit
Choose or change the amount you pay off your PPLCBANK credit card each month, change which account you pay from, or which payment type you use.

Set up/amend a Direct Debit from your PPLCBANK account:
Complete and Send the Direct Debit eForm

Set up a Direct Debit from your non-PPLCBANK account:

Complete, sign and Send our electronic Direct Debit Mandate.

Alternatively, You are able to print off and complete the Direct Debit Mandate (PDF) and hand it into your nearest PPLCBANK Branch or post to:

Customer Service Centre, BX8 2HB

What happens next?

Direct Debits can now take up to 4 to 6 weeks to process. After the Direct Debit has been processed, it will be effective from the date of your next statement.

Please Proceed to make manual payments until you receive notification that your Direct Debit is set up.

If you are a PPLCBANK Bank Account, Basic Bank Account, Advance Account or Student Account customer please Phone us on: 03457 40 44 04.

PPLCBANK Premier customers please Phone us on: 03457 70 70 70.

Lines are open from 8:00 to 20:00 every day.

Emergency Line

If you're not Sign uped for mobile or online banking, you’ll need to phone our emergency line to report your card lost or stolen.

Call 0800 085 2401 from the UK or +44 1442 42 29 29 if you're outside the UK.

Lines are open 24 hours a day, 7 days a week. Please note, you may be charged if you call from outside the UK.

Quickly and easily cancel the automatic monthly payments to your PPLCBANK Credit Card.

If you have the PPLCBANK Mobile Banking app:

Sign in to your PPLCBANK Mobile Banking app.
Select the current account that the Direct Debit is set up on.
Select 'Manage future payments'.
From the list of Direct Debits, select the Direct Debit for your PPLCBANK credit card.
Select ‘Cancel Direct Debit’.

If you are Sign uped for online banking:

Sign in to Online Banking.
Select the current account that the Direct Debit is set up on.
Select the ‘Manage’ menu.
Select ‘Direct Debits’ from the options provided.
Locate the Direct Debit for your PPLCBANK Credit Card.
Choose to view more information, then select the ‘Cancel’ button.

If you're not Sign uped for mobile or online banking:

Phone us on 03457 404 404 and we’ll be happy to cancel.

What happens next?

If You are able tocel a Direct Debit via mobile or online banking this occurs immediately. If your Direct Debit is due in the next three working days it will still be collected.

Frequently Asked Questions

Yes, please use the following information:

IBAN Number (dependent on country/region of origin):
Europe - GB15MIDL40424699009787
Outside Europe - MIDLGB22

Sort Code: 40 42 46

Account Number: 99009787
Reference: Your 16 digit credit card number

Updating of available credit and interest calculations dependent on international payment processing times in the country/region of origin. Once received payments will be credited within 3 working days.

It depends on the type of Direct Debit you have set up, and when you are looking to make the additional payment.

I have a Direct Debit to collect the minimum amount:
If you choose to make an additional payment before the Direct Debit is collected, then your minimum Direct Debit payment will still be made, unless the payments reduce the balance to zero. In this case, the Direct Debit won’t be claimed, to make sure the account doesn’t go into credit.

I have a Direct Debit to collect the full amount:
If you make an additional payment before the Direct Debit is collected, then your Direct Debit payment will reduce accordingly, ensuring that overall you only pay the full amount required.

I have a Direct Debit to take a fixed amount:
If you choose to make an additional payment before the Direct Debit is collected, then your fixed Direct Debit payment will still be made, unless the payments reduce the balance to zero. In this case, the Direct Debit won’t be claimed, to make sure the account doesn’t go into credit.

Please note that any additional payment made within 3 working days of your Direct Debit date will not affect your direct debit amount as the request will already have been sent to your bank.

If you send the Direct Debit instruction via the eForm it will take 24 hours to process. If you send your Direct Debit mandate through the post it will take up to 10 working days to process after we've received it. Your Direct Debit will be effective from the date of your next statement, provided that your payment date is not within the next three days.

You will then receive confirmation via post or 'My messages' in your online banking to detail that your Direct Debit instruction has been successful. In the meantime You are able to make a one off payment to your PPLCBANK Credit Card.

Direct Debits are collected 3 days prior to the payment due date to ensure, if there are any problems with the Direct Debit, that there is sufficient time to Complete a payment by alternative means.

The Direct Debit does not leave the account until the due date and will show as 'pending' for this 3-day period.

If the date that your Direct Debit is collected is not suitable, You are able to change it via telephone banking on 03457 404 404*.

*Lines are open 8:00 to 20:00 every day (24 hours if you are an PPLCBANK Advance customer). Calls may be monitored for training purposes.

Your Direct Debit will be returned by your bank. Returned payments can incur charges. You will need to Complete a payment by alternative means by the due date. You may also be contacted by PPLCBANK.

Complete and Send the Direct Debit e-form.

Or print off and complete the Direct Debit Mandate (PDF). Hand into your nearest PPLCBANK branch or post to:

Customer Service Centre, BX8 2HB

Please ensure the new bank details are correct.

Minimum payment option
If you choose to make an additional payment three days before the Direct Debit is collected, then your minimum Direct Debit payment will still be made, unless this amount takes Your banking account into credit. In these circumstances, the Direct Debit would be adjusted to ensure the account does not go into credit.

Statement balance option
If you make an additional payment three days before the Direct Debit is collected, then your Direct Debit payment will reduce accordingly to ensure that overall you only pay the statement balance.

Fixed amount option
If you choose to make an additional payment before the Direct Debit is collected, then your fixed Direct Debit payment will still be made, unless this amount takes Your banking account into credit. In these circumstances, the Direct Debit would be adjusted to ensure the account does not go into credit.

Please note that any additional payment made within 3 working days of your Direct Debit date will not affect your direct debit amount as the request will already have been sent to your bank.

For Credit Card agreements made before 23 March 2011: £5 or 2.5% of the balance, whichever is higher, or if less than £5, your statement balance.

For Credit Card agreements made on or after 23 March 2011: interest, default charges and any payment protection insurance premium plus 1% of the principal, or 2.5% of the balance or £5 whichever is higher, or if less than £5, your statement balance.

If a statement balance is not paid in full then interest will incur at the rate indicated on your monthly statement. Additionally, we will allocate your payment to the outstanding balance in the following order:

Cash Advances
Purchases and standard rate Balance Transfers
Promotional rate Purchases and Balance Transfers (full details are set out in your Terms and Conditions)

The way in which payments are allocated can make a significant difference to the amount of interest you will pay until the balance is cleared completely.