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Our credit cards offer our customers flexibility and convenience. The flexibility to shop anytime, anywhere Visa is accepted (up to an agreed limit), and the convenience to repay later. Features & benefitsBuy now, pay laterA credit card enables you to make purchases on the spot, even if you don’t have the full value of the purchase in your account. It’s essentially an instant short-term loan, up to an agreed amount. You can enjoy up to 45 days interest-free on purchases, providing you pay the full closing balance on your credit card statement by the due date. Safer, more secure spendingJ Trust Royal Visa Credit Cards keep your money safer in many ways. Not only can you carry less cash, but your transactions are securely supported by a built-in EMV smart chip, which is the global standard of security. We also have 24/7 fraud detection measures in place to help protect your money. Pure credit, no deposit requiredYou do not need to provide any security or a cash deposit when you take out a J Trust Royal credit card with us. The minimum requirement is that you hold a J Trust Royal transaction account to which the credit card will be linked. Shop anywhere in the worldYou can use your J Trust Royal Credit Card over the phone, online and in more than 200 countries and territories as well as over 2 million ATMs worldwide using the extensive Visa network. Track your spendingUnlike cash, you can easily keep track of every cent you spend when you use your J Trust Royal Visa credit card as every transaction can be viewed in your transaction history using our Internet Banking and JTR Mobile tools. 24/7 supportIf you’re at all worried about the security of your card – perhaps you’ve misplaced it or it’s been stolen – notify us by calling our Customer Care Centre and we will instantly block it or cancel it. A block can be lifted, a cancellation is permanent. Either way, after you call us, your money is safe. Our cards at a glanceConsider which card is the right card for you then click on the links to find out more. Some helpful tips for managing your credit card
Frequently Asked QuestionsWhat is a credit card? A credit card allows you to borrow money from J Trust Royal to make purchases, whether you’re buying something small like an item of clothing in a shop or something large like a round-trip ticket to France on the internet. As long as you pay back the money you borrow within the “grace period” (also known as the interest-free period), you won’t have to pay extra. If you’re unable to repay the amount owed in the interest-free period then you will have to pay interest — a percentage of the money you owe the bank — on top of what you borrowed. How does the interest-free repayment period work? J Trust Royal Visa credit cards are issued with up to 45-days interest free for purchases. Statements are issued each month showing the total amount due and should be paid in full in order to avoid interest charges. However, if you’re not in a position to pay the full amount then you may opt to pay a minimum amount, which is also indicated on the statement, or anything in between the full amount and the minimum amount. If you don’t pay the full amount, you will then need to pay interest in addition to the amount you borrowed. What payments need to be made? J Trust Royal credit card statements are issued on a monthly basis. The full repayment amount and a minimum amount will both be indicated on the statement. If the full repayment is not made by the due date then interest charges will apply. Annual fees will be included on your statement around your card’s anniversary. Other fees, such as a late payment fees or foreign currency conversion fees, will be charged as they are incurred. For more information please see the fees and charges information. Where can a J Trust Royal Bank credit card be used? A J Trust Royal Credit Card can be used anywhere in the world where Visa is accepted. This includes in shops, online, over the phone, and in ATMs (for cash advances). The extensive Visa network includes 200 countries and territories as well as over 2 million ATMs worldwide. How do I track and pay for purchases on my J Trust Royal credit card? All J Trust Royal credit card customers will receive monthly statements detailing all your transactions. You can also check your transaction history, at your convenience, using our Internet Banking and JTR Mobile tools. You will need to register for Internet Banking and JTR Mobile before you can use these. How secure is a J Trust Royal credit card? All our J Trust Royal Visa Credit Cards have an embedded Enhanced EMV-Dynamic Data Authentication Smart Chip that offers a global standard of security. We also have continuous fraud monitoring systems in place to identify any suspicious activity and help prevent unauthorised transactions. Please keep your contact information with us up-to-date so that we can reach you quickly if suspicious activity is detected. What happens if I lose my card? Please save our Customer Care Centre number (+855 (0) 23 999 000) so you can immediately report any lost, stolen or misplaced cards or compromised pin numbers. Depending on your situation, we can immediately temporarily block or permanently cancel your missing card. In the event of a permanent cancellation, we can organise for a replacement card to be reissued as soon as possible. If you choose to block your card you can call us and ask for the block to be lifted after you find your missing card. For your referenceWhile all documentation is completed in our branches we also know that it can be helpful to know what to expect before you arrive. Here are the forms and other relevant documents used to apply for a credit card. You don’t need to complete the forms before you come in – our friendly staff are there to help you. Call UsOur Customer Care Centre is open 24/7. Call us on +855 (0)23 999 000. Contact Us Visit UsTalk to a Personal Banker at your nearest branch. Find Us Security MattersAt J Trust Royal Bank we are serious about securityAll our J Trust Royal Visa Debit Cards have an embedded Enhanced EMV-Dynamic Data Authentication Smart Chip that offers a global standard of security. We have continuous fraud monitoring systems in place to identify any suspicious activity and help prevent unauthorised transactions. Please keep your contact information with us up-to-date so that we can reach you quickly if suspicious activity is detected. Our digital banking tools, while simple to use, also incorporate a range of security measures. We manage a security network, use applications from approved vendors with secure coding practices, and conduct regular penetration testing through a third party security firm to protect customers against malware. Customer Care Centre: +855 (0) 23 999 000Call us immediately to report lost, stolen or misplaced cards or compromised pin numbers. We can temporarily block or permanently cancel your missing card and organise for a new card to be reissued. Why am I being charged a cash advance fee?A cash advance fee is a charge by the bank for using a credit card to obtain cash. This fee can be stated in terms of a flat per-transaction fee or a percentage of the amount of the cash advance.
What is CC balance transfer?A balance transfer is a type of credit card transaction in which debt is moved from one account to another. For those paying down high-interest debt, such a move can save serious money on interest charges if done strategically.
Can I withdraw cash from my CC account?Credit card cash withdrawals can be done at ATMs of any bank irrespective of the credit card issuing bank. However, a few banks may charge a different cash advance fee for withdrawing cash using other bank ATMs.
Do cash advances hurt credit score?A credit card cash advance won't directly hurt your credit score, but it will hurt it indirectly by lifting your outstanding balance and your credit utilization ratio, which is a factor in credit scores.
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