When you took out your loan or credit card with us, you would have been offered optional insurance to cover unforeseen events like accidents and unemployment.
Please call 13 25 77 or visit your local branch so we can check whether you have insurance on your loan.
In the instance that you do not have the appropriate level of cover, please contact us to discuss your situation further.
Further reading on Financial Hardship.
To change your credit card type or credit limit, please call 13 25 77 or visit your local branch and one of our friendly team will be happy to assist.
You can also request for your Visa Credit card limit to be reduced by completing our online form. Alternatively, this can be requested via Internet Banking or our Mobile App. To do this, go to Manage cards, select your credit card, and follow the prompts to request for your limit to be reduced.
You can apply for a credit card with P&N Bank to pay out an existing credit card with another financial institution. This could allow you to better manage your repayments with a lower interest rate.
If you’d like to find out more about credit cards, please call 13 25 77 or visit your local branch and one of our friendly team will be happy to assist.
If you have submitted a personal loan, car loan or credit card application online we will respond to it within one business day. You can upload required documents and track the status of your loan application using the link below.
Track loan application:
More information on Loan Tracker.
Your minimum credit card repayment and due date will be displayed on your credit card statement and can also be found in the Mobile App.
To find it in the Mobile App, login and go to Menu > Accounts > Select credit card > Select the ‘…’ icon at the top right of the screen > Account information.
If you withdrew funds from an ATM or transferred funds out of your Visa account that resulted in it falling below its contracted limit, then interest will accrue from the date of the transaction. There is no interest free period on any cash advance transactions.
For purchases, as long as we receive payment of the full outstanding balance as of close of business on the 14th of the month, and it is paid between the 15th and the 28th day of that same month, your credit card should remain interest free.
The Visa Global Customer Assistance phone number is +1 303 967 1090.
If you have started an application for a personal loan, car loan or credit card online and have saved it, you can resume it at any time. You should have received an email with the link to resume or manage your application to your nominated email address. If you have lost the email, you can find the link to resume or track your application below.
More information on Loan Tracker.
If you would like to allow someone else to be able to make purchases on your P&N Bank Credit card account, you can apply for them to become an additional card holder.
Once they're a member with P&N Bank, all you need to do is complete Visa Credit Card Additional Cardholder Request form.
Note: Although additional cardholders can charge their purchases to your P&N Bank Visa Credit card account, you are still responsible for meeting the repayment obligations.
Find out more about additional card holders.
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