Credit Cards

Frequently Asked Questions – Managing your RBC Credit Card

1. How can I make queries on my RBC credit card account?

2. What is the credit limit & how was it determined?

3. How can I increase my credit limit?

4. How do I make a payment to my RBC Credit Card?

5. What is the minimum payment required?

6. When is my payment due?

7. How do I get cash from my credit card?

8. How can I add an additional cardholder to my card?

9. How can I change my name, address or phone numbers?

10. How can I request a copy of my statement?

11. What should I do if my RBC Royal Bank of Canada credit card is lost or stolen?

12. What should I do if I don’t recognise transactions on my statement?

13. Is it safe to give out my Credit Card number when purchasing goods or services by phone or online?

1. How can I make queries on my RBC credit card account?
   • You can reach us toll-free at 1 888 847 5803
   • You can call us collect at 246 431 6777
   • Our fax number is 246 228 8691
     
     

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2. What is the credit limit & how was it determined?
   
   You can use your RBC Credit Card to spend up to a pre-agreed amount, called your credit limit. This is indicated on the letter that came with your card and is also on your statement. This limit is based on all the information you provided on the application form you submitted.
   
   

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3. How can I increase my credit limit?
   • Should you wish to request an increase to your credit limit, you can call the Card Centre or your Personal Financial Services Officer to discuss this possibility.
   
   
   

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4. How do I make a payment to my RBC Credit Card?
   • Payments can be made at any of our RBC Royal Bank of Canada of Canada branches
   • You can mail a cheque to your local branch along with your payment slip.
   • You can also make a payment at any ABM located at any of our branches.
   • If you have signed up for our Royal Online Banking you can make a payment to your RBC card.
   • With an RBC account you can have monthly payments automatically debited from your account.
     
     

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5. What is the minimum payment?
   
   Your monthly statement will advise you what your minimum payment is for that month. It is very important that you make at least this minimum payment in order to ensure that your account remains in good standing. It will normally be 5% of the balance outstanding or a minimum of $25. It also includes any past due amounts and any portion of the total new balance owing that is more than your credit limit.

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6. When is my payment due?
   
   Your payment due date will appear on your RBC Credit Card statement. To verify your due date, please feel free to contact the Card Centre.

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7. How do I get cash from my RBC credit card?
   
   Your new card has a Personal Identification Number (PIN) allowing you to withdraw cash from Automated Banking Machines (ABM) bearing the relevant VISA or MasterCard logos similar to the one on your card. You can also withdraw cash from your card at virtually any financial institution. You are charged a fee for each transaction and interest is calculated from the date of the cash advance.

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8. How can I add an additional cardholder to my card?
   
   Such requests can be made in writing via mail or fax, by completing an application form and filling out that portion of the form. The additional cardholder should also sign the form.

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9. 9. How can I change my name, address or phone numbers?
   
   Such requests can be made in writing via mail or fax, or by completing the back of the detachable portion of your credit card statement for this purpose. All name changes should be submitted with the supporting documentation such as a marriage certificate, divorce decree, etc.

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10. 10. How can I request a copy of my statement?
    
    Please contact the Card Centre to make this request. There will be no charge for statements requested for the current period, but statements for any other period will incur a $5 charge.

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11. What should I do if my RBC Royal Bank of Canada credit card is lost or stolen?
    • Call our 24-hour number (collect if necessary) immediately if your RBC Royal Bank of Canada credit card is lost or stolen. Once you have informed us of the loss, we will block the card from future use and issue a new card to you. Once you discover that your card is missing, call us immediately and report it. Stops are then issued on these cards and cards containing new numbers are then issued.
    Examine your statements monthly to verify all transactions were made by you. Report any discrepancies immediately. If you do not report fraudulent activity on your card within 30 days of your statement date, you will be held responsible for the transaction.

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12. How do I dispute a charge on my statement?
    
    If you suspect that your RBC Royal Bank of Canada credit card is being used without your knowledge or consent, please call our Card Centre at 1-888-847-5803 or collect at 1-246-431-6777 and a representative will help you.

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13. Is it safe to give out my Credit Card number when purchasing goods or services by phone or online?
    
    While most retailers are legitimate, it is wise to proceed with caution when making purchases over the telephone or on the Internet. Remember to follow a few simple rules to minimize risk:
    • Never give your Credit Card number over the phone, unless you have initiated the call.
    • When purchasing online, do so only from recognized retailers and only when the site is equipped with security features. Look for SSL (Secure Socket Layer) or SET (Secure Electronic Transactions) when you go to make a purchase. Look to see that the site URL begins with HTTPS and not HTTP. This indicates that the area is protected by SSL or SST protocols.
    • A key or lock symbol will appear at the bottom of your screen when you're making a purchase from a secure Internet site. If the lock or key is broken, this indicates that the site is not secure.