How are my payments allocated for outstanding credit card balances?
If you pay less than the total amount owing, we will use that payment to reduce your higher interest-rate balances first, such as cash withdrawals, before your lower interest-rate balances, ssuch as purchases Learn more >
How is cashback from my smile credit card displayed on my online banking recent items and statements?
We display this information differently, depending on whether you're looking at your recent items online, or your full statement Learn more >
Can I get a cash advance from my credit card account?
We can transfer money from your Visa credit card to your current account, but you will be charged interest. Learn more >
Why is my VISA account showing as N/A?
Log out and log back in again, and that should rectify your problem. If not, give us a call. Learn more >
What do you mean by posting date and transaction date on my statement?
The date you make a transaction is not necessarily the same date that transaction is received to your account. We make distinctions between these dates for interest purposes Learn more >
How do I pay my smile credit card?
You can pay your credit card online, through the mobile banking app, by Direct Debit or by post. Learn more >
Why doesn't my smile credit card work?
There are a number of reasons why your card may have stopped working. It could be due to card damage or simply because you haven't activated your new card. Learn more >
What happens if I exceed my credit card limit?
We may charge you for exceeding your limit and we may block your card if you don't bring your card balance back within your credit limit. Learn more >
What is my credit limit?
Your credit limit is the total we've agreed to lend you on your credit card. It's different from your available balance and current balance. Learn more >
How do I add a credit cardholder to my Smile Credit Card?
You can apply to add an additional cardholder by printing off an additional cardholder application form Learn more >
What is an additional credit cardholder?
This is a person who can use the card, but is not responsible for the debt. Learn more >
Is the additional cardholder responsible for the debt they put on the card?
No. The additional cardholder can spend on the card, but they are not responsible for the debt. Learn more >