Products & Services - Customer Service
- RBC in the Caribbean
You are on: Chosing an RBTT Credit Card tab
Credit Cards are virtually essential today in making hotel reservations, renting a car, or simply establishing a strong credit history. A Credit Card is a flexible and convenient payment and borrowing tool that gives you the freedom to manage your company’s business expenditure and the security necessary to respond to unexpected emergencies. Below you’ll find some answers to your questions when deciding if you should apply for an RBTT Credit Card.
What are the advantages of having an RBTT credit card?
An RBTT credit card is an effective and helpful means of payment, eliminating the need to carry large amounts of cash.
The RBTT credit card is an easy revolving credit facility, enabling you to buy now and pay 24 days later.
An RBTT credit card offers great convenience: it can be used at over 29 million establishments and close to 1 million ABMs worldwide.
RBTT’s range of products allows you to choose the card that is right for your business.
RBTT’s cards offer valuable additional benefits - fraud monitoring
RBTT’s rates are highly competitive.
With a monthly detailed statement you can track and reconcile monthly expenditures
RBTT’s Customer Service Team is available 24 hours a day, 365 days a year.
How can I get an RBTT credit card?
Please visit your branch for a company application and drop it off at your nearest RBTT Bank Branch. You will be required to provide company financials and other supporting company documents, as well as ID for cardholders.
I don't bank with RBTT. Can I still apply for an RBTT credit card?
Of course, we would be happy to have you join the RBTT Bank family. Please visit a branch to further discuss.
We encourage you to open a business transaction account with us so that you can take full advantage of the services that we offer including Online Banking.
What if I already have a credit card at another bank?
Compared to other cards, RBTT credit cards are extremely reliable and have competitive rates. We offer exceptional service and convenience with 24-hour, 365 days-a-year service. Please call us to discuss.
What about foreign exchange restrictions on my card?
This is subject to regulator controls in the EC.
You are on: Managing your RBTT Credit Card tab
How can I make queries on my RBTT credit card account?
Please call the applicable number below:
1 868-625-1083
Or
1 246-431-6777 outside Barbados 1-888-847-5803
What is the credit limit & how was it determined?
You can use your RBTT 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. Should you wish to request an increase to your credit limit, please contact your branch.
How can I increase my credit limit?
Should you wish to request an increase to the business credit limit, please contact your branch. Kindly note that such requests must be duly authorised by all of the relevant signatories of the company.
How do I make a payment to my RBTT Credit Card?
Payments can be made at your RBTT Bank branch.
You can mail a cheque to your local branch along with your payment slip.
You can also make a payment at applicable ABM’s located at any of our applicable branches.
If you have signed up for Online Banking you can make a payment to your RBTT card.
With an RBTT account you can have monthly payments automatically debited from your account (where applicable).
The monthly statement will advise what is the minimum payment 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. The minimum payment also includes any past due amounts and any portion of the total new balance owing that is more than your credit limit.
Your payment due date will appear on your RBTT Credit Card statement. It should be close to 21 days after your statement date. To verify your due date, please feel free to contact the Card Centre.
How do I get cash from my RBTT credit card?
Your Personal Identification Number (PIN) allows you to withdraw cash from Automated Banking Machines (ABM) bearing the 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 withdrawal.
How can I add an additional cardholder to my business card?
Such requests can be made in writing, by completing an application form and filling out that portion of the form. The additional cardholder should also sign the form. Kindly note that such requests must be duly authorised by all of the relevant signatories of the company.
How can I change my name, address or phone numbers?
Such requests can be made in writing from the company and duly authorised by all company signatories. All name changes should be submitted with the supporting documentation.
How can I request a copy of my statement?
Please contact your branch or your Card Centre to make this request. Again, such requests must be duly authorised from the company. Please note that applicable charges will be applied.
What should I do if my RBTT Bank credit card is lost or stolen?
Call our 24-hour number (collect if necessary) immediately if your RBTT Bank credit card is lost or stolen at 1-888-847-5803 (Local currency cards only) or 1-868-625-1083 (USD currency cards only). 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.
How do I dispute a charge on my statement?
If you suspect that your RBTT Bank credit card is being used without your knowledge or consent, please call our Card Centre at, 1-888-847-5803 (Local currency cards only) or 1-868-625-1083 (USD currency cards only) and a representative will help you.
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.
You are on: Credit Card Security Fraud tab
As RBTT is always working to reduce fraud, we have recently introduced an advanced, state-of-the-art fraud monitoring system which gives RBTT the opportunity to detect fraud as it is being carried out. Therefore we may try to contact you immediately if your card is being used in an unusual way, to ensure that you have authorised transactions. This is in no way a reflection of your credit worthiness.
If we are unable to contact you we may limit further use of the card to ensure you are protected. To optimize the efficiency of RBTT’s fraud prevention service, please let us know if you are moving and give us a call before you travel abroad.
What can I do to protect myself against fraud?
Treat your RBTT credit card as if it were cash – do not leave it lying around and always be aware of where it is.
Upon receipt, sign your card immediately in the panel designated “Authorized Signature”, found on the reverse side. Use a ballpoint pen.
Never lend your card to anyone, even your friends or family.
Don’t respond to unsolicited emails or calls requesting personal details or financial information
Protect your confidential details and keep all of your banking information in a safe place.
Destroy all banking correspondence you receive when you no longer need it, even transaction slips as they may display your card number. What you consider rubbish can be useful to a fraudster.
Always check receipts and purchase amount when you sign the transaction slip and then again against your monthly statement and report errors right away.
Be vigilant to ensure that the merchant swipes your card through a genuine POS machine.
Never disclose your credit card details over the phone unless you initiated the call
Shop only on Internet sites that offer secure ordering. If the URL (web address) starts with “https” then the site is using a secure server.
Most browsers also display special icons, for example a padlock or a key, in the lower right-hand corner of your browser window, to indicate secure sites.
Many merchants also advise of the security precautions they have taken on their site. Look for this advisory. If you don't see it, ask about it.
Whenever you are traveling or you change your address or phone number, notify the Card Centre in advance.
Be sure to report lost or stolen cards immediately.
The responsibilities of the company and the cardholder are outlined in the card agreement. Take time to review it correctly. Using the credit card confirms that you have already read and understood the agreement and agree to its terms and conditions.
It is vital that no one gets hold of your Personal Identification Number (PIN).
Select a PIN that would not be obvious such as 1234, your birthday, car registration number, etc.
Never tell anyone your PIN or let them enter it for you.
Never give your PIN when ordering by phone, post or online, with your RBTT Credit Card.
Authorised users of your account will have their own PIN.
Never write your PIN down.
When using a cash machine or point of sale terminal, shield the machine with your body to ensure no one will be able to see your PIN. If you feel crowded, ask others to stand back before you enter your PIN.
Be wary of anyone trying to watch you enter your PIN. Don’t let yourself get distracted.
You are on: Credit Card Interest and Fees tab
Even though all credit cards may result in fees and interest, you can effortlessly enjoy all the benefits of your RBTT Credit Card without any penalties. There are basically two types of charges: interest and fees.
This is what you pay for borrowing money and is shown on your statement. Interest is charged on revolving balances, but by paying your balance in full and on time every month, you will not incur any interest whatsoever. However, it is not possible to avoid interest on cash withdrawals, convenience cheques and balance transfers, which is charged from the date of the transaction. The interest rate on cash advances may vary from the interest rate charged for purchases.
An annual fee allows you to access all the benefits listed in this guide and will be charged every year, even if you always pay your balance on time.
Late charges occur if you do not make a payment, if your payment arrives after the payment due date, or if your payment does not cover the minimum payment due. You can avoid this by checking the “Payment due date” and “Minimum payment” sections on your statement or online.
Over limit charges occur if your total of purchases, cash advances, interest and fees goes over your credit limit. If the possibility exists that you may exceed your limit, check online or call Customer Service to find out how much credit you have available. If you feel you need a higher limit, our Customer Service team will be happy to discuss it with you and do all they can to help.
Cash withdrawal fees will be charged if you withdraw cash on your card from a non-RBTT cash machine. If withdrawing funds abroad, please see the foreign exchange rate on your statement. Also, there may be an additional charge levied by the ABM that you are using. This fee is not controlled by RBTT.
Allow plenty of time for your payment to arrive.
Make sure you know the date your payment is due every month and what the minimum payment amount is.
To make payments on time take full advantage of helpful electronic tools like online banking solutions.
Sign up for Online Banking so that you will be able to check your balance and see how much you have available to spend.
Pay off your RBTT Credit Card balance in full each month on or before the payment due date.
If you choose not to pay off your balance in full, try to pay more than the minimum balance due.
Read your statement every month to make sure you always know the date your payment is due and the minimum payment amount.
Remember that the faster you pay off your outstanding balance, the less interest you will pay.
A yearly fee charged for use of the card.
Moving an unpaid balance from one open credit account to another. You will save money if you transfer balances to a credit account with a lower interest rate.
The person to whom the credit card is issued, that is to say, the authorized holder of the account represented by the card that was issued by the financial institution.
Using your credit card to get cash from a bank, ABM, or by writing a convenience cheque. RBTT charges a cash advance fee for the transaction and begins charging interest immediately.
The maximum amount that you can charge on your credit card.
A periodic percentage rate that determines the finance charges you pay on your account.
A fee charged when a payment has not been received by the specified due date.
The smallest payment a customer can make each statement period to keep the account in good standing.
A fee charged after the customer has exceeded their agreed credit limit.
PIN (Personal Identification Number)
A security code that the customer uses with debit and credit cards to authorize transactions such as cash advances. This PIN is different from the user ID and password customers’ use to access account information online.
The length of time between your statements.
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