ASDA Credit Card FAQs

How do I apply?

All you need to do is follow the on screen application through the 3 step process, filling in your personal details to get a decision as quickly as 30 seconds later.

Will my credit card application be credit scored?

Yes - Credit scoring is a system used by most financial organisations to decide if they can give a person credit.

It works by using the information you include on your application form plus information held about you by a credit reference agency (in our case, a company called Experian). Each piece of information is given a 'score'. The scores are then added together and the total score is used to help decide whether to accept an application. A record of this search will be recorded on your credit file.

When will I receive my PIN number?

Within 10 working days, your PIN tends to arrive before your card, but always in a separate mailing and on a separate day.

Is there anything I need to do when I receive my ASDA Credit Card?

For your own security please ring 0800 915 2224 to activate your card. (This telephone number will also be on a sticker on the front of your card as a reminder). Calling this number acknowledges receipt of your card and allows you to start taking advantage of the ASDA Credit Card benefits.

If my application is declined can I find out why?

Yes we will send you a letter, plus you can get a copy of your credit information by writing to Consumer Help Service, Experian, PO Box 8000, Nottinghan, NG80 7WF or visit www.experian.co.uk

Why does it say "opens in new browser window" underneath the buttons?

This is to let you know that you may need to set your browser to temporarily allow 'pop-ups' from this website in order to follow the link.

What should I do if my ASDA Credit Card is lost or stolen?

Should you suspect you have lost your card or that it's been stolen immediately call 0208 181 0000. We are available 24 hours a day, 7 days
a week.

Can I change my PIN number?

Yes you can, once your card has been activated for 48 hours. This can be changed at most ATM link machines.

Can I make cash withdrawals with my card?

Yes you can, but please be aware that there is a charge of 3% of the amount you withdraw with a minimum fee of £3. (Min Credit Limit £250. Other charges: Balance Transfer 2.5%, min £5; Overseas Transactions 2.75%; Copy Statements £3. Min payments are the greater of 3% of outstanding balance or £5 each month).

What happens if I make a late payment or go over my credit limit?

You will receive a letter from us explaining any charges. These will then appear on your monthly statement.

What can I do online?

You can do everything you would normally do by phone or post. So you can make a payment, view your statements, see your points balance, contact us via our secure messaging service and lots more.

Can I set up a Direct Debit online?

Yes you can. It’s really quick and easy to do. You’ve just got to register for the ASDA Credit Card Online Manager. It only takes a few moments to set up a Direct Debit online and from then on, your payments will be made automatically without you having to think about them.

Why should I choose not to receive paper statements?

Lots of people prefer not to receive paper statements and view their statements online instead. You don’t have to wait for your monthly statement. We’ll send you an email to let you know your latest statement is available to view. Of course, you can go online any time and see recent transactions. Many people find it easier to see a list of transactions rather than hear them detailed over the phone. Online statements also save paper and that’s better for the environment.

What information do I need to register?

For security reasons, we ask for information that only you will know. You'll also need to have your account number, which you can find on any of your paper statements or your 16 digit card number.

What am I covered for under this policy? 

Your statement balance is repaid in full (up to £15,000) should you ever be unable to work due to accident, sickness or involuntary unemployment for at least 90 consecutive days. In addition, should this happen, it would pay 4% of your monthly statement balance after the first 30 days and again after 60 days. Life Cover is also included.

How do I apply for insurance on my ASDA Credit Card repayments?

You can apply for Balance Cancellation Cover when filling out your ASDA Credit Card application form online. If you would like a bit longer to think about the benefits of the cover, you can call us at any time on 0871 522 5888 (Calls may be recorded or monitored. Calls cost 10p per minute plus network extras) and we will set this up for you.

How much does insurance cover cost?

Balance Cancellation Cover costs 1 pence for every £1 of your monthly statement balance, if your balance is zero you have nothing to pay!

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.

Can I cancel my insurance policy?

Of course, ASDA customers can cancel their Balance Cancellation Cover Insurance within the first 30 days of taking out the cover and any premiums paid will be refunded. Thereafter you may still cancel at any time without incurring any cancellation fees, but any premiums paid will not be refunded. Simply call 0871 522 5888 (Calls may be recorded or monitored. Calls cost 10p per minute plus network extras).

Is there a fee for transferring my balance?

If you transfer a balance within the first six weeks of activating your card the fee is 2.5% of each amount transferred (Min £5. Min Credit Limit £250. Other charges: Cash Withdrawals 3%, min £3; Overseas Transactions 2.75%; Copy Statements £3. Min payments are the greater of 3% of outstanding balance or £5 each month).

How do I collect points?

You’ll collect points (on the first £12,000 of spend each year for new customers) every time you use your ASDA Credit Card to pay for purchases inside or outside ASDA. So you earn points on groceries, CDs, DVDs, electrical goods and GEORGE.

Will my card be monitored for fraud?

Definitely, we have a Fraud Protection Unit who constantly monitor accounts for any unusual behaviour and keep you informed.

How much do I have to spend to receive free home delivery when I shop for my groceries at www.ASDA.com?

£99 or more and the cost of your delivery is picked up by us, when you pay with your ASDA Credit Card.