Please call us as soon as possible on 0800 085 6934. If you want to make a Western Union transfer, at another agent location, please visit wu.com for details. You can find out more information and how to get help in our support section. Does anyone know what measures Asda credit card are offering as a results of the coronavirus. I don’t want to take my trip – am I covered? If you’re up to date with your payments, or have missed one payment, you’re eligible to apply for an emergency payment freeze. Foreign Commonwealth and Development Office (FCDO): www.gov.uk/foreign-travel-advice, World Health Organisation (WHO): https://www.who.int/, European Centre for Disease Prevention and Control (ECDC): https://www.ecdc.europa.eu/en, National Health Service (NHS): https://www.nhs.uk/conditions/coronavirus-covid-19/, UK Government Advice: https://www.gov.uk/government/topical-events/coronavirus-covid-19-uk-government-response, UK Government Advice about Cruise Travel: https://www.gov.uk/guidance/cruise-ship-travel. Bottom line. The airline has cancelled my flight – what should I do? I want to cancel my policy – what do I do? Manage your credit card . If eligible, we may be able to spread missed payments over your remaining direct debits or reduce the amount you pay each month for a period of time. If you’ve already had 6 months of payment deferrals, you can’t apply for another mortgage payment deferral. Make sure you have your proof of purchase to hand. Low Fee 26 Month Balance Transfer Credit Card, Low Fee 18 Month Balance Transfer Credit Card, https://www.insurance-sainsburysbank.co.uk/cancellation.html, https://www.nhs.uk/conditions/coronavirus-covid-19/, https://www.gov.uk/government/topical-events/coronavirus-covid-19-uk-government-response, https://www.gov.uk/guidance/cruise-ship-travel, Service Availability & Planned Maintenance, Contact the retailer in the first instance to request a refund – you may find this easier than obtaining a refund from some card providers, Call the credit card provider. My travel is not until a future date – what are my options? Returns within Tier 4 areas can be taken to an Argos store within a Sainsbury's supermaket whilst picking up essential shopping. Always be on the lookout for fraud and contact us immediately if you notice unusual activity on your account. If you’ve already had 6 months of payment freeze, you can’t apply for another extension. If you’ve already had an emergency payment freeze and it’s coming to an end we’ll write to you before your payments are due to restart. This could take up to 7 working days as we’re receiving a high number of requests, so please bear with us. If accepted, you won’t need to make the usual repayment amount for up to 3 months, this could be a reduced amount or your full monthly payment. Even if your credit card issuer hasn’t released an official statement on coronavirus, you should give them a call if you expect to experience financial hardship. Following guidelines, we have made some changes to our stores: In England - from Sunday 20 December, stores listed here are open for collection of pre-paid online orders only. We’re here Monday to Friday 8am to 8pm and 8am to 6pm Saturday and Sunday. By continuing, you agree to our cookie policy. 184514). Please call us as soon as possible on 08085 405060 then select option 2, so we can look at the options available to you. Be wary of suspicious emails or text messages – and never open any attachments. 1.Log into our mobile app. 3. If you have alternative dates to travel after contacting your Travel Agent or Tour Operator, airline and/or accommodation provider, please contact our team. If you’re up to date with your payments, or have missed one payment, you’re eligible to apply for an emergency payment freeze. Credit card payment holidays ... Support for mortgages, credit cards, loans, overdrafts, insurance and more. If you haven’t had an emergency payment freeze already, you can apply for a freeze on your payments for 3 months. Discretion may be exercised in exceptional circumstances. Sainsbury's were very understanding but would not return my money and I am unable to prove they never said anything about payment holidays. Branches and contact centre . I have been made temporarily redundant, and will struggle to meet my next payment. Please note we are currently experiencing a very high level of claims owing to COVID-19 and the Coronavirus, there may be longer than usual call waiting times. Missing payments could have severe consequences and make obtaining credit more difficult. All new Sainsbury’s Bank Travel Insurance policies include a COVID-19 section that covers you for cancellation before your trip commences if you are diagnosed with COVID-19, following a medically approved test showing a positive result of COVID-19, within 14 days of your departure date. If you are going to miss or have missed a payment, you can talk to us about payment options available to you. We’re here Monday to Friday 8am to 8pm, Saturday 8:30am to 6pm, Sunday 9:30am to 5:30pm. If you need to make a claim please use the claim line listed in your insurance documentation. 2. Loans & Credit Cards. A payment holiday is a period of three billing statements for which you will not be required to make a payment on your Account, you will not be charged any late payment fees and your credit score will not be affected. Remember, carefully consider if you need a payment holiday – and make payments if you can. Please contact your airline, Travel Agent or Tour Operator for a refund in the first instance. We will let you know if there is an additional cost because of change in location or trip duration. Usually the quickest and easiest way to get a refund is to go to the retailer first. You will need to apply by 31 March 2021 and all payment freezes on Normal Credit must end by 31 July 2021, your BNPL extensions may run for longer due to plan length. In some circumstances this may change the amount you need to pay. With an emergency payment freeze interest will continue to be applied, and it will take you longer to pay down your balance so choosing this option should be carefully considered. When completing our form, please try to be as accurate as possible when filling in your details. However, please be aware that lenders can look at a wide range of factors when assessing future credit applications, such as bank account information or information you provide. 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Register no. Set up your automatic card payments through your online credit card account. Please call us as soon as possible on 08085 405060 then select option 2, so we can look at the options available to you. To apply call us on 0800 600 5606. On this page you can apply for a payment holiday, find out what happens if your payment holiday is coming to an end, and learn about changes to our fees. The payment holiday won’t be automatic though – it will be up to lenders to decide if it's right for customers on a case by case basis. Martin went on: "While we have formal agreements for mortgage payment holidays, banks are offering credit card payment holidays." 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Register no. If you booked with a Travel Agent or Tour Operator, you should contact them first to see if you can make any changes to your trip, or if they are able to offer you a refund. If you are newly impacted by coronavirus and know that you will require the full 6 months, you should apply in good time before your February 2021 payment is due. In some cases, they’ll pose as genuine organisations such as banks, police, government or health service providers like the NHS or the World Health Organisation. This payment holiday effectively cost me an extra £ 122 on a £ 9700 unsecured motorbike loan. We're here Monday to Friday 8am-8pm and Saturday 8am-4pm. We can work together to agree a plan to help you. The FCDO is advising against travel to the country I am going to – what should I do? We may be able to change your Single Trip policy to match your new travel dates provided they fall within 6 months of the original date that you purchased your policy. There is no cover under your policy if you are not allowed entry to a country which has: If you are refused entry at passport/border control, you should contact your airline or transport provider to arrange changing your return ticket to allow you to come home early. If you do not have COVID-19 but are advised to shield or self-isolate at home and are told not to travel, then no cover is provided under the policy. Quote 'coronavirus credit card' in your message. We're here Monday to Friday 9am-8pm and Saturday 9am-2pm. If you have had less than 6 monthly mortgage payment deferrals, you have until 31st March 2021 to apply for a further deferral. If you’ve taken a payment holiday, or repayment deferral, here’s what you need to know. Quote 'coronavirus credit card' in your message. Santander, cahoot and Business Banking credit card customers We understand at the moment that you may be worried about paying your credit card. But, these are … Please call us on 03456 400 700.. We completely understand that, from time to time, your circumstances might change and you might struggle to make a payment. From here you can add a payment card or delete existing card details. By continuing, you agree to our cookie policy. For example, you’ll be charged a late payment fee of £12 if your payment is late or if you miss a monthly payment. To submit a request for a credit card payment holiday, you can fill out our online form. We may be able to extend your emergency payment freeze depending on your circumstances. We may be able to change your Single Trip policy to match your new travel dates provided they fall within 06 months of the original date that you purchased your policy. You can also use your debit and credit card for online purchases. Booked using my credit card. Your policy covers you if a number of things happen to stop you from travelling, which are listed in your policy wording. This cover is only provided if you are travelling to a destination where there’s no restriction from the FCDO. We’re here Monday to Friday 8am to 8pm, Saturday 8:30am to 6pm, Sunday 9:30am to 5:30pm. If you have any questions please visit our FAQs page. Credit cards are not suitable for long-term borrowing or financing existing debt. Due to the recent Government restrictions our travel money bureaux are temporarily closed. Apply for a payment holiday. There is no cover for not wanting to go on holiday because of the fear or risk of contracting Coronavirus. Please be aware these will affect your credit file and credit rating. Please be reassured that a payment freeze won’t result in late payment fees. You can contact us on 0800 923 1547*. Policies purchased after the 16th March and trips booked after this date do not provide any cover for claims relating to Covid 19 or Coronavirus. If you’ve already had a payment freeze, you may be eligible to apply for a further payment freeze up to a maximum of 6 months in total. 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Register no. Sainsbury's Bank plc is covered by the Financial Services Compensation Scheme (FSCS), details of which can be found here. We use cookies for a range of purposes, allowing us/our partners to enhance your browsing experience. Or for an event this may be the events company or venue. *Telephone calls may be recorded for security purposes and monitored under our quality control procedures. To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time. Tap 'Message us' 4. We’re here Monday to Friday 8am to 8pm and 8am to 6pm Saturday and Sunday. If you have been advised by the Government or NHS to self-isolate or shield and want to take my trip – am I covered? Please be aware these may affect your credit file and credit rating. You can request an emergency payment freeze on loans and credit cards. Under a credit card payment holiday, we will allow you to reduce your monthly payments to £1 per month, for 3 months. Please call us as soon as possible on 08085 405060 then select option 3, so we can look at the options available to you. Lines are open 24 hours a day, 7 days a week (except Christmas Day). If you booked your travel independently, you should still approach the travel provider (airline, accommodation provider etc) in the first instance to rebook or for a refund. See policy terms and conditions for details and the FAQ’s for further information. Tap 'Message us' 4. Tap 'Help' at the bottom of the screen . This does not apply for close relatives or travelling companions. Choosing not to travel or disinclination to travel is not covered under the travel insurance policy. Sainsbury's Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England and Wales, no. You can find more information on the further assistance available and what happens at the end of your payment deferral in our FAQs here. If you haven’t had an emergency payment deferral already (sometimes called a payment holiday), you’re eligible to apply for up to a 3 month payment deferral, subject to a maximum of 6 monthly payments in total. You have until 31st March 2021 to apply. We appreciate that how you use your car and home may have changed in the current circumstances, therefore you can review and update your cover online. How to apply for a credit card payment break . Deciding not to pay the balance and not getting clarity from your Airline or Tour Operator could mean that you lose the deposit, or even if the trip is subsequently cancelled, you may not get the money back. For a holiday or trip, this may include the hotel, travel agent or airline. You should contact your Travel Agent, Tour Operator, airline or accommodation or credit card provider for a refund in the first instance. Please be aware these may affect your credit file and credit rating. Manage your credit card . All claims will be assessed on its own individual merits, in line with the terms and conditions of the insurance contract that you have entered into by purchasing your travel insurance policy. We’re here Monday to Friday from 9am-5:30pm, closed Saturday and Sunday. There are other ways to make a credit card payment, find out more . **Calls are charged at local rates from landline and mobiles. Remember if you fall behind on your monthly payments you may have to pay extra interest and fees. Credit card payment break – if you’re struggling to make your monthly credit card payments, you may be able to apply for a payment break for up to 3 months at a time, with a total break of 6 monthly payments, ending no later than 31 July 2021. For further information visit our support section. If you have alternative dates to travel after contacting your Travel Agent or Tour Operator, airline and/or accommodation provider, please contact our team on 0345 305 2622 who will update your policy. We can work together to agree a plan to help you. The amount you owe will … This also covers emergency medical treatment abroad and/or medical repatriation if you contract COVID-19. If your GP has advised you not to travel because you or a family member has been placed in isolation because of Coronavirus you may apply for a refund of your premium if cancelling your policy during the 14 days cooling off period. If you’re having any problems at the moment, please do call us and we can talk through which options are available to you. If you’ve already had a payment freeze, you may be eligible to apply for a further payment freeze up to a maximum of 6 months in total. You can request an emergency payment freeze on loans and credit cards. If you’re still struggling to make your monthly payments we’ve a range of other options we can look at to suit your individual needs. Choosing not to travel or a disinclination to travel is not covered under the travel insurance policy. We’ll let you know when your payment is due and tell you what you should do if you’re still financially impacted by coronavirus. Sainsbury's Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England and Wales, no. Someone with a £4,000 credit card balance on a card with a 21.9 per cent APR would, according to figures from Barclaycard, incur £203 in interest over the course of a three-month payment holiday. Sainsbury's Supermarkets Ltd is an appointed representative of Sainsbury's Bank plc. If you want to find out more about applying for a credit card payment break, please visit our manage your credit card page. We can work together to agree a plan to help you. You can also find a document explaining the evidence you will need to provide so we can assess your claim. If you purchased your policy before the 16th March and your trip was previously booked, you may submit a claim for cancellation if you, a member of your immediate family as defined in the policy or travel companion were diagnosed with Coronavirus. We can work together to agree a plan to help you. You can make a claim under the Package Travel Regulations if any travel intermediary booked two or more parts of your holiday together and they are then unable to deliver the full package. If you or a family member are following UK Government advice to self-isolate because of having suspected symptoms of the Coronavirus you may apply for a refund of your premium if cancelling your policy during the 14 days cooling off period. The best way to do this is to provide the information as it is displayed on your statement. Credit cards are not suitable for long-term borrowing or financing existing debt. 2. Missing payments could have severe consequences and make obtaining credit more difficult. And they’ll never ask you to carry out a transaction or move money in to a safe account for protection. A full refund is available if your policy is cancelled within 14 days of purchase. Mr Lewis responded: "It doesn't affect credit cards, it's almost irrelevant for credit cards. If you have a Sainsbury’s Bank Life Insurance policy with us and have any questions, please visit our coronavirus FAQs. Managing your account . If you're already on a credit card or loan payment holiday, your lender should contact you before it comes to an end to find out if you can resume normal payments. The £45 limit increase may not be available in all shops, as not all systems have been updated yet, so it’s best to check with the retailer first. If you have our standard products and want to remove an optional cover, you can do this by calling us. If you’re worried about making your next mortgage payment, we’re committed to helping you. Click Payment card details. If you purchased your policy after the 7th October 2020 you may submit a claim for cancellation under the COVID-19 section if you, a member of your immediate family as defined in the policy or travel companion were diagnosed with COVID-19, as certified by a medical practitioner following a medically approved test showing a positive result for COVID-19, within 14 days of booked departure. If you applied after that date you can contact us on 0800 056 0565*. If you are not able to make your monthly credit card payments due to coronavirus, you can apply for a 3 month credit card payment holiday. Please read the FAQ’s below and remember online servicing allows you to manage your accounts wherever you are, whenever you want. Please ensure that you provide accurate details and the cover meets your needs before you make any changes. It is important to note any changes will increase the amount you pay each month, so should be carefully considered. You may be able to arrange alternative dates to travel by contacting your Travel Agent or Tour Operator, airline and/or accommodation provider. Credit card payment can be made using our automated phone service however - please call 0345 900 0900 and follow the instructions. This cover is only provided if you are travelling to a destination where there is no travel restriction from the FCDO. This means if you cannot reclaim from the retailer, you can then claim the refund from the credit card provider. For policies purchased after 16th March 2020 there is no cover if you have to cancel your trip due to the FCDO advising all or all but essential travel to your destination if you have purchased your policy or booked your trip when the FCDO advised against travel to there is no cover under this policy. How to apply for a credit card payment break . We will let you know if there is an additional cost because of change in location or trip duration. Have been trying to contact them but they are always busy Please call us as soon as possible. You can also visit our coronavirus FAQs. You cannot order travel money in store, online or by phone. In addition, a worsening status will not be reported on your credit file in respect of any payment freeze taken. 1.Log into our mobile app. Most importantly, please do not cancel any payments without contacting us first. If you want to find out more about applying for a credit card payment break, please visit our manage your credit card page. You should contact your Tour Operator or Travel agent to check that any additional payment is fully refundable should the trip be cancelled for any reason by the operator (for example: the balance of the holiday cost where you have only paid a deposit so far). See what you can do through online and mobile banking without leaving home. New rules introduce three-month payment holiday for credit cards and loans - what it means and how to apply for help Financial Conduct Authority (FCA) has put in … Outside the cooling off period, any refund will be at the Insurer's discretion and may be subject to deductions and administration charges. If you put something on a Credit card that is worth £100 or more (up to £30,000), your credit card provider is ‘jointly and severally’ liable if something goes wrong with the purchase. Alternatively, you can contact us on 0345 305 2622 to cancel or change your policy. Sainsbury's Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England and Wales, no. Policies sold prior 16th March 2020 for trips booked prior to that date may provide cover for claims related to COVID-19, including cancellation. If firms are already providing tailored support, they should continue to provide this. To help you understand how much money you have to pay, it may be useful to work out a budget to help you keep track of your spending and prioritise debt repayments. If you want to cancel your travel insurance policy, you can do so on online by visiting https://www.insurance-sainsburysbank.co.uk/cancellation.html. As a result of this, if you are an employee for any of these three retailers, you will be eligible for the various Sainsburys benefits and employee perks, which are explained below. You should think carefully before requesting an emergency payment freeze, and only do so if you need immediate help. To make a claim, you can get a claim form from the website https://csal.co.uk/claim-forms. Policies sold after 7th October 2020 do not provide cover for any other claims related to COVID-19. If you’ve already had 3 months of support and need longer, you can apply for a further 3 months (up to a total of 6 months). I want to reschedule or postpone my trip – what do I do? 184514). You can only take up to 3 months at a time (6 months in total). We will let you know if there is an additional cost because of change in location or trip duration. This does not apply for close relatives or travelling companions. Moneyadviceservice.org.uk has lots of tools and calculators including a free online budget planner, and a handy Money Navigator Tool. Sainsbury's Supermarkets Ltd is an appointed representative of Sainsbury's Bank plc. You should contact your Tour Operator or Travel Agent to check that any additional payment is fully refundable should the trip be cancelled for any reason by the operator (for example: the balance of the holiday cost where you have only paid a deposit so far). If you have a Sainsbury’s Bank Pet Insurance policy with us and have any questions, please visit our coronavirus FAQs. Your payment holiday will then run between February and July. It is important that you do check and get clarity from your travel provider that if your trip is cancelled, you should expect a full refund of the whole cost of the trip once you have paid the full amount. If you’re unable to make your payments we’ve a range of options we can look at to suit your individual needs. This is provided there was no travel advice advising against ‘all but essential travel’ or ‘all travel’ issued by the FCDO to your destination when booking your trip or purchasing your policy whichever was later. We’re here Monday to Friday from 8.30am-5.30pm. Don’t risk forgetting a payment. Tap 'Help' at the bottom of the screen . If you’re still struggling to make your payments we’ve a range of other options we can look at to suit your individual needs. Your policy does not cover you if you are travelling to a country, or by any form of transport the Government or the FCDO advises against, However as soon as the restrictions are lifted our normal policy benefits will resume. You can post a cheque and your bank giro credit slip from the bottom of your statement to Sainsbury’s Bank Credit Cards, PO Box 5166, Worthing, BN11 9GY. Sainsburys is one of the United Kingdom’s largest supermarket chains, and its parent company also owns both Argos and Habitat. Be aware that fraudsters may try to take advantage of this situation and attempt to trick you into revealing sensitive personal or financial information. If you’ve missed more than one payment and find yourself struggling financially we want to help. 3. A payment holiday is subject to approval. You can visit our coronavirus guidance and help if you have any questions and access your policy information 24/7 online or via our app. Alternatively, you can call our claims team on 01403 288 421. Enrolment into a payment holiday is subject to approval. Low Fee 26 Month Balance Transfer Credit Card, Low Fee 18 Month Balance Transfer Credit Card, fca.org.uk/consumers/dealing-financial-difficulties-coronavirus, Service Availability & Planned Maintenance. If you can't, then use that call or the contact details on the email, letter or secure message to talk to your lender. We use cookies for a range of purposes, allowing us/our partners to enhance your browsing experience. Policies sold after 16th March 2020 do not provide cover for any other claims related to COVID-19, including cancellation. We may be able to extend your emergency payment freeze depending on your circumstances. Where you move from our site to a partner site, we use cookies to make your experience as seamless as possible. Please allow extra time for your payment to reach us during Bank Holiday periods and remember there’s a £12 charge if you don’t make at least your minimum monthly payment by the payment due date. We understand you may be concerned about being impacted financially due to coronavirus (COVID-19) and want to reassure you that we’re here to help.