GE Money UK : Credit Card : GE Money Credit Card : Your Questions

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GE Money Credit Card

Is there an annual fee for my GE Money Credit Card?

No. Enjoy all the benefits of having a card without paying an annual fee. So there´s nothing to stop you having your card in case of emergencies or unexpected bargains.

Once I´ve applied, when will my card arrive?

As soon as you submit your application, we will perform some credit checks. If your application is accepted, we´ll get the paperwork done and your GE Money Credit Card will be on its way to you in 10 to 14 days. When you receive you card, call one of our helpful Customer Service advisers and we´ll get it activated straight away.

Is there anything I need to do when I receive my card?

Simply call 0871 522 5151* (Open: Mon – Fri 8 am to 8 pm;
Sat – Sun 9am – 5 pm), to activate your card.

*Calls may be recorded or monitored for quality and security purposes. Calls cost 10p per minute plus network extras.

If my application is declined, can I find out the reasons why?

When we consider your application, we rely on details provided by a credit reference agency. We use the credit agencies Experian and Equifax as well as our own credit scoring system. In case of a decline, we will send you details of how credit scoring works. To see a copy of your credit file, send your name, your addresses for the last six years and a cheque for £2 to:

Experian Ltd
P.O Box 8000
Nottingham
NG80 7WF

You could also write to our credit reference agency:

Equifax PLC, PO Box 3001
Bradford BD1 5US.

What should I do if my card gets lost or stolen?

Call the 24-hour Lost and Stolen Card Line 0871 522 5151*
(Open: Mon – Fri 8 am to 8 pm; Sat – Sun 9am – 5 pm) immediately.
If you are calling from abroad, you can reach us on +44 208 181 0000. We´ll do everything we can to prevent someone from using your card.

*Calls may be recorded or monitored for quality and security purposes. Calls cost 10p per minute plus network extras.

Are there any fees and charges I should know about?

Yes there are and they are all summarised in our Summary Box for you.

What happens if I´m not happy with my GE Money Credit Card?

No problem.Our ´No Quibble Guarantee´ means that if you are not totally happy with your account, you can close it within 60 days. And you´ll pay no fees and no interest even if you have already used your card, no questions asked, provided that you pay off your balance within 30 days.

If you have a query or complaint, we want to help you resolve it, just call 0871 522 5151.* (Open: Mon – Fri 8 am to 8 pm; Sat – Sun 9am – 5 pm)

*Calls may be recorded or monitored for quality and security purposes. Calls cost 10p per minute plus network extras.

Who can I contact if I have more questions?

Call 0871 522 5151* (Open: Mon – Fri 8 am to 8 pm;
Sat – Sun 9am – 5 pm). It´s a line that´s there to answer all your questions.

*Calls may be recorded or monitored for quality and security purposes. Calls cost 10p per minute plus network extras.

How do I apply for insurance on my card repayments?

If you would like to apply for this cover please call us on 0871 522 5151 (Calls may be recorded and monitored. Calls cost 10p per minute plus network extras).

What am I covered for?

This policy covers you in the event of death, disability, unemployment, critical illness and hospitalisation.

How long am I covered for?

Your cover is valid for one month at a time and automatically renewed every month until it is either cancelled, your credit agreement ends, you miss three continuous monthly premiums in a row, or you die (whichever happens first).

How much does insurance cover cost?

Payment Protection Cover costs 0.78p per £1 of your monthly statement balance including Insurance Premium Tax.

For example, if you have an outstanding balance of £400 in a month, you would pay £3.12 that month and if you keep your monthly balance at this level you would pay £37.44 over a year. In addition, interest may be charged on the premium at the current retail purchase rate if you do not pay off your statement balance in full every month. .

What are the significant and unusual exclusions of the insurance policy?

More information can be found in the policy summary.

Who provides my insurance policy?

The insurance for disability, unemployment, hospitalisation and critical illness is underwritten by Financial Insurance Company Limited registered in England No: 1515187 The insurance for life cover is underwritten by Financial Assurance Company Limited registered in England No: 4873014

Both Financial Insurance Company Limited and Financial Assurance Company Limited are limited by shares and their registered offices are Building 11, Chiswick Park, Chiswick High Road, London, W4 5XR

Financial Insurance Company Limited and Financial Assurance Company Limited are authorised and regulated by the Financial Services Authority.

Is my partner covered?

Only the person named on the agreement is covered. However, if you do not meet the eligibility requirements at the start date, but have a partner who does, then they can claim benefits and you will be ineligible to make a claim.

What happens if I stop working?

If you permanently retire and have no intention of returning to work, you will no longer be eligible for disability, unemployment and critical illness benefits, but may still claim life and hospitalisation benefits.

What are the age limitations?

For Disability, Unemployment/ Critical Illness Cover you need to be aged 18-64. For Life Cover you need to be aged 18-69. Hospital Cover is available if you are aged 65-69.

Is there a surrender value or no-claims discount?

No.

How do I get a claim form?

You can request a claim form by calling the Insurer on 0870 400 4713 (calls maybe monitored and recorded) or write to them at Financial Insurance Company Limited, Building 11, Chiswick Park, Chiswick High Road, London, W4 5XR

How long will my claim take?

After calling, the relevant claim form will be sent to you within three days.

Once you have completed this form you must return it within 120 days of requesting it. The Insurer will then make a decision on your claim within five days of receiving the form and notify you in writing.

If the claim is valid it will be paid at the same time the letter is sent out and should reach your account within two working days.

Do I have to continue to pay my account?

You should make your payments until your claim is accepted. If it is accepted then the Insurer will pay out after every 30 days that you are off work.

How is my claim paid?

Payment will be made directly into your account.

Can I cancel my insurance policy?

If you are not happy with the cover there is a 30-day cooling off period in which you can cancel the policy at no cost to yourself. After the first 30 days, you can cancel the policy at any time, but any premium paid will not be refunded.

If you wish to cancel your cover please call us on 0871 522 5151 (Calls may be recorded and monitored. Calls cost 10p per minute plus network extras).

How do I make a complaint on my insurance policy?

We set ourselves high standards, but if you are not satisfied with our service please tell us. If you follow the procedure set out below, we will deal with your complaint in the most effective way possible.

In the first instance please contact: The Company Secretary, Financial Insurance Company Limited, Building 11, Chiswick Park, Chiswick High Road, London, W4 5XR.

Alternatively you can telephone Financial Insurance Company Limited on 0870 400 4870 to be directed to an appropriate person. You should give details of the policy number or claims reference number to help you with the speedy handling of the enquiry.

After this action, if you are still not happy or the problem has not been resolved to your satisfaction, you may refer it to: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone 0845 0801800.

If you complain it will not affect your legal rights.