Managing your credit card account

You can see your:

• balance and recent transactions
• credit limit and available to spend
• monthly payment amount
• regular payment due date
• signed credit card agreement and terms and conditions
• manual payment details
• view new instalment options
• view existing instalment details.

You can:

• update your mobile number, email, and postal address
• change your due date
• add/change your bank account details for Direct Debit payments
• report your card lost, stolen or damaged.

Log into your online account on the IKEA Financial Services mobile app.

You can see your signed credit card agreement when you log into your online account on the IKEA Financial Services mobile app.

You can make the text larger by selecting ‘Mobile Friendly’ in the top right corner of the document.

You can see your terms and conditions when you log into your online account on the IKEA Financial Services mobile app.

You can make the text larger by selecting ‘Mobile Friendly’ in the top right corner of the document.

If you owe us money, we’ll send you a monthly statement.

We’ll let you know it's ready by email or through the app, and you can view your statement in your digital inbox when you log in to your online account on the IKEA Financial Services mobile app.

If you don’t owe anything, you’ll get a statement the next time you use your card, or at least once every 12 months.

You can also check your recent transactions anytime by logging into the app.

Click on ‘Profile’ in your online account on the IKEA Financial Services mobile app to update your contact details.

We need to know your current mobile number, email, and postal address, so we can send you important communications about your credit card.

To update your name, you’ll need to upload proof of your name change. It may take up to five working days to update on your account.

You can change your name by filling in our online form.

Within the first 90 days of opening your credit card account, if you didn't choose the maximum credit limit we offered, you can select ‘Credit Limit’ in the IKEA Financial Services mobile app, and if you're eligible, using the slider increase or decrease your limit. This can only be completed only once within the first 90 days.

Increasing your credit limit

Before we can consider increasing your credit limit, you’ll need to have at least six months payment history on your account. When you make your request, we might complete a credit and affordability check.

Before increasing your credit limit, think carefully. Make sure you can still make repayments if your situation changes and consider whether there are other options that might suit your needs better. 

Decreasing your credit limit

You can decrease your credit limit at any time, however, avoid choosing a limit to close to your balance. You also may not be able to increase the limit again in the near future.

Decreasing could affect your credit score in the short term. The difference between the amount you’ve borrowed and the total amount of credit for you, affects the calculation of your overall score.

If you would like to decrease your credit limit, please call 0333 155 4646.

If we offer you a credit limit increase

From time to time, we might offer you a credit limit increase (if you've opted to receive these offers). When you applied for your IKEA Family credit card, we asked you about how you would like to manage credit limit increase offers, the options are:

• ask me before increasing my limit
• apply limit increases automatically
• don’t offer any increases.

If you asked for the offer to be made and you decide whether to accept it, we'll communicate this to you. You’ll have the option to accept or decline the offer, with at least 30 days’ notice. If you don’t accept it, the offer will simply expire – we won’t increase your credit limit without your consent.

If you asked us to apply increases automatically – we'll do this and communicate when we do, letting you know the date the increase will be available to you.

If you asked us not to offer any increases when you applied – we’ll not offer this.

Want to review your options? 

If you want to change your options at any time about credit limit increases – you can let us know by logging into the on the IKEA Financial Services mobile app and selecting ‘Credit Limit Consent.’ 

The IKEA Family credit card does not support balance transfers. This means you can’t move a balance from another credit card onto your IKEA Family credit card, or transfer a balance from your IKEA Family credit card to another provider.

No, you cannot add a second card holder. If you need someone to help you manage your credit card you can add a 3rd party authority holder, however they'll not be able to spend using your credit card.

To add a 3rd party authority please call us on 0333 155 4646.

After you tell us, we’ll make the process of closing the person’s account as smooth as possible.

Register a bereavement

To give you the best service, we work with Nets (Nexi), a trusted digital banking company that helps us deliver some credit card services. They handle things like transaction disputes, PIN unblocking, and lost or stolen cards.

If you ever use these services, you may receive emails or text messages from Nets (Nexi).

For your security, please remember we’ll never ask you for your password or other sensitive information by email, phone, or text. If you are worried about a communication you have received, please get in touch with us by calling 0333 155 4646.