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If you have a Premium Credit Card and have Travel Insurance included, you can call from home or abroad at any time to receive assistance in the event of a medical emergency. The phone line is open 24 hours a day, 365 days a year.   In the case of a medical emergency, you can call Assistance International - the Medical Emergency helpline. This is a 24 hour worldwide service for medical emergencies. To call from the UK - 023 8064 4633. To call from Europe - 00 44 23 8064 4633 To call from USA & Canada - 011 44 23 8064 4633   Different dialling codes may apply from different locations worldwide.
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Yes, in order to fully process your application details the information you provide will be subject to a credit search with a credit reference agency. The credit search allows us to assess your credit rating, and establish your identity.   Each time a credit search is carried out it is recorded against your details held at the credit reference agency. 
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If a transaction you make, or other fees or interest take you over your credit limit, then you will be charged a fee. Any balance over your limit will need to be paid back in full as soon as possible to avoid further fees. Note you’ll pay interest on this fee at the rate we charge for purchases. How can we help? To avoid this why not set up an alert via Online Banking to remind you when you are getting close to your credit limit?  
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If you make payment by Direct Debit, cheque or any other method and you don’t have enough money to cover it, you’ll be charged a Returned Item fee.   If this causes a delay and means you don’t get your payment to us on time that month, you’ll also be charged a Late Payment fee. Make sure you give yourself enough time for your payment to arrive and avoid unnecessary interest and fees – see ways to pay.
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When paying online with your credit card, we might need to check its you making the purchase by sending a one time passcode to your phone. This is an extra layer of security for online card payments. We will ask you to choose your phone number and we’ll send you a code. We’ll then prompt you to enter the code online to confirm its you. You must not share this security code with anyone else.  To make sure you’re able to make payments online, we need the correct number(s) for you and your additional cardholder(s). If you need to update your contact number, please refer to our FAQ 'How do I update my phone number’. Read more about our secure online card payments. Some other things to consider: If you don’t have a mobile phone you can choose for us to send the code to a landline number The code can take a little bit of time to arrive. Make sure your phone is able to receive the code and then wait a few minutes. If you still don’t receive it then ask us to send a new code. If you are using your phone abroad, even if it is a UK mobile number, this could cause a delay in receiving the code.
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