For a holiday or trip, this may include the hotel, travel agent or airline. If you have been given alternative dates to travel by your airline or accommodation provider, please contact our team on 0345 305 2622 or through Live Chat. Please be aware these will affect your credit file and credit rating. Tap 'Help' at the bottom of the screen . 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. From Saturday 26 December, stores listed here will also change to collection only. 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. 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. The FCDO is advising against travel to the country I am going to – what should I do? Booked using my credit card. In addition, a worsening status will not be reported on your credit file in respect of any payment freeze taken. Missing payments could have severe consequences and make obtaining credit more difficult. If you have alternative dates to travel after contacting your Travel Agent or Tour Operator, airline and/or accommodation provider, please contact our team. You can find out more information and how to get help in our support section. Calls are free from a landline and from a mobile when calling from the UK. If you can't, then use that call or the contact details on the email, letter or secure message to talk to your lender. Quote 'coronavirus credit card' in your message. Manage your credit card . 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. 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. We use cookies for a range of purposes, allowing us/our partners to enhance your browsing experience. Please read the FAQ’s below and remember online servicing allows you to manage your accounts wherever you are, whenever you want. Lines are open 24 hours a day, 7 days a week (except Christmas Day). 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Register no. 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 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. 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. 184514). 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. The amount you owe will … Remember, these legitimate organisations will never ask you to divulge any sensitive information, like security details, card details, PIN numbers, or online banking login details. I told them "if I had known I would never have taken any payment holiday, I had no need of it"! 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. If you haven’t had an emergency payment freeze already, you can apply for a freeze on your payments for 3 months. 3. 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. 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. By continuing, you agree to our cookie policy. This cover is only provided if you are travelling to a destination where there’s no restriction from the FCDO. 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 want to make a Western Union transfer, at another agent location, please visit wu.com for details. Instead please complete this credit card payment holiday update form to help us understand more about your circumstances. Please check your operator terms and conditions. I want to reschedule or postpone my trip – what do I do? 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 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. If firms are already providing tailored support, they should continue to provide this. Sainsbury's Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England and Wales, no. 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. 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 be aware these may affect your credit file and credit rating. 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. We will let you know if there is an additional cost because of change in location or trip duration. There is no cover for not wanting to go on holiday because of the fear or risk of contracting Coronavirus. From here you can add a payment card or delete existing card details. 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. See policy terms and conditions for details and the FAQ’s for further information. Guidance on credit card refunds. See what you can do through online and mobile banking without leaving home. 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. If you haven’t had an emergency payment freeze already, you can apply for a freeze on your payments for 3 months. Your payment holiday will then run between February and July. Sainsbury's Supermarkets Ltd is an appointed representative of Sainsbury's Bank plc. If you booked your travel independently, you should still approach the travel provider (airline, hotel etc) in the first instance to rebook or for a refund. My GP has advised me to isolate or self-isolate and not to travel – am I covered? You can also visit our coronavirus FAQs. 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. If you need to make a claim please use the claim line listed in your insurance documentation. Please use our claim form or call 01403 288 421. We can work together to agree a plan to help you. Please visit our FAQs linked below for more detail on eligibility and how to apply. You won’t be eligible for a further payment holiday if you are in arrears that are unrelated to coronavirus. How to apply for a credit card payment break . Credit cards are not suitable for long-term borrowing or financing existing debt. Outside the cooling off period, any refund will be at the Insurer's discretion and may be subject to deductions and administration charges. I want to cancel my policy – what do I do? Please call us as soon as possible on 08085 405060 then select option 3, so we can look at the options available to you. We're here Monday to Friday 9am-8pm and Saturday 9am-2pm. 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. Please call us as soon as possible on 08085 405060 then select option 2, so we can look at the options available to you. 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. Tap 'Message us' 4. 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. If you’ve taken a payment holiday, or repayment deferral, here’s what you need to know. The airline has cancelled my flight – what should I do? You may be able to arrange alternative dates to travel by contacting your Travel Agent or Tour Operator, airline and/or accommodation provider. To find out if a payment holiday is the right solution for you, get in touch through our Debt Care … If you applied after that date you can contact us on 0800 056 0565*. Make sure you have your proof of purchase to hand. Where you move from our site to a partner site, we use cookies to make your experience as seamless as possible. 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. This means if you cannot reclaim from the retailer, you can then claim the refund from the credit card provider. Depending on how far in the future your date of travel is, there may not be anything to do just yet. 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. Enrolment into a payment holiday is subject to approval. Your claim information on the lookout for fraud and contact us on 0800 085 6953 if have! Should think carefully before requesting an emergency payment freeze, and its parent also! Increase the amount you need to make a Section on their website about dealing with Financial difficulty during coronavirus fca.org.uk/consumers/dealing-financial-difficulties-coronavirus! 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