Managing My Account
How do I change my bank account details?
If you need to change the bank account linked to your Cred account, please email us at help@getcred.co.uk. We'll send you a short online form to securely capture your new bank details and update your direct debit mandate. Please note that changing ...
How do I update my personal details?
It’s important that we always have your up-to-date contact information, particularly your address and email address, so that statements and important notices reach you. If any of your details change, please let us know as soon as possible through the ...
Can I request a copy of my credit agreement?
Yes. A copy of your credit agreement is always available in the documents section of your Cred app. If you’d prefer a copy sent to you by email or post, just let us know and we’ll arrange it.
What if I don’t receive a statement?
If you don’t receive your monthly statement for any reason, your payment is still due. You can log into the Cred app at any time to find your current balance, minimum payment and due date. If you’re concerned about not receiving a statement, please ...
How do I read my monthly statement?
We send you a statement every month to your Cred app, and you’ll receive a push notification and email when it’s ready. Your statement shows your previous balance, all drawdowns and payments made during the month, your current outstanding balance, ...
What happens to my balance if I close my account?
When your account is closed, whether by you or by us, your full outstanding balance becomes immediately due and payable. Any remaining instalment plan balances will be transferred to your main running account balance. Your current interest rate will ...
Can I pay back early or make extra payments?
Yes, you can repay any amount at any time, in full or in part, and there’s no penalty for doing so. The more you pay and the sooner you pay it, the less interest you’ll be charged overall. You can make a one-off payment at any time through the Cred ...
Can I change my payment due date?
Yes. You can ask us to change your payment due date, and you can do this up to twice in any 12-month period. Just get in touch using the contact details in the app and we’ll get that sorted for you.
How do I set up a repayment method?
You’ll need at least one automatic repayment method in place to cover your monthly payments. We currently support three options: A Direct Debit is a standard instruction to your bank to pay us each month, and it’s protected by the Direct Debit ...
How much do I need to pay back each month?
Each month we’ll send you a statement showing your minimum payment and the date it’s due. Your minimum payment is made up of: any overdue amounts from previous months (always cleared first) any instalment plan payments due that month for plans of 12 ...
How do I access my Cred account?
Everything is managed through the Cred app. From the app you can: check your available credit and current balance make drawdowns set up and manage instalment plans make payments view your monthly statements and access a copy of your credit agreement. ...
What do I do if I want to close my Cred account?
If you’d like to close your account after the 14-day cooling-off period, please get in touch with us by phone or email. To close your account you’ll need to repay your full outstanding balance, including any interest accrued up to the date of ...