What is the official website of the payment service?
The official website of Creation Consumer Finance UK is https://www.creation.co.uk/
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Where can I find the customer support contacts?
Customer support contacts can be found on the "Contact Us" section of the official website at https://www.creation.co.uk/contact-us/
What is the hotline phone number?
The main customer service phone numbers include 0371 376 9214 for Credit Card customers and 0333 032 4215 for Credit and Store Card customers.
Is there a toll-free support number?
There is a toll-free number for lost or stolen card reporting at 0800 783 5881.
What is the email address for technical support?
The general customer service email is [email protected]. Technical support-specific email is not separately listed.
Are there separate emails for different types of inquiries?
Yes, there are separate emails, such as [email protected] for Data Protection inquiries and [email protected] for press/media inquiries.
Where can I find the online chat support?
There is no publicly listed online chat support on the official site.
Does the chat support work 24/7?
No verified information is available on 24/7 chat support availability.
Is there support through messengers (Telegram, WhatsApp)?
No confirmed support via Telegram or WhatsApp is publicly listed.
What are the support working hours?
Specific working hours are not clearly stated publicly; customer calls are charged at basic rate and calls may be recorded.
Does support work on weekends and holidays?
No verified information on weekend or holiday support availability.
Are there regional offices for in-person visits?
The company operates physical offices but in-person visit availability information is limited.
Where are the physical offices located?
The registered office is at Wellington Buildings, 2-4 Wellington Street, Belfast, Northern Ireland, BT1 6HT.
Can I schedule a personal meeting?
No verified information on personal meeting scheduling is publicly available.
Are there representatives in different countries?
There is no verified detailed listing of international representatives.
In which languages is support available?
Customer support is primarily available in English.
How quickly does support respond to requests?
Average response times are not publicly specified but phone contact is the most used method.
Is there a priority system for VIP clients?
No public details on VIP priority support services.
Can I request a callback?
No explicit mention of callback request services is available.
When was the payment service founded?
Creation Consumer Finance was incorporated on 19 June 1997.
Who is the founder and owner of the service?
The company is owned with controlling interest by Alpha Credit S A based in Belgium.
In which country is the company registered?
Registered in the United Kingdom, specifically Northern Ireland.
What is the development history of the payment service?
Originating from a financial division of Selfridges in 1973, Creation has evolved over decades offering retail, motor, and insurance finance.
Have there been major updates or rebranding?
No major rebranding or corporate name changes after 2004 are publicly noted.
Who sits on the company's board of directors?
Specific board members are not publicly detailed in available open sources.
Are there investors or partners in the service?
The company is majority owned by Alpha Credit S A; it partners with retailers like John Lewis, Currys, DFS, and more.
Does the company participate in stock trading?
It is a private limited company, not publicly traded.
What is the company's market capitalization?
Market capitalization data is not applicable for this private company.
Are there subsidiary companies or branches?
The company operates as part of the Creation Group with multiple finance services but specific subsidiaries are undisclosed.
What licenses does the payment service have?
Licensed as a credit granting firm regulated under UK rules; specific FCA licensing is industry standard though not explicitly listed.
In which jurisdictions does the service operate officially?
Officially operates in the UK and Northern Ireland.
Are there licenses for cryptocurrency operations?
No evidence or listing of cryptocurrency-related licenses.
Does the service comply with AML/KYC requirements?
As a regulated UK finance provider, it complies with AML and KYC standards per FCA rules.
Are there security certificates (PCI DSS, etc.)?
No publicly disclosed PCI DSS certification details, though as a credit card provider, PCI DSS compliance is typically mandatory.
Has the service undergone security audits?
Specific security audit results are not publicly available.
Is there insurance for client funds?
General consumer credit providers hold protective measures; specific insurance details are not publicly disclosed.
Which international standards does it comply with?
Compliance with UK FCA regulations and EU consumer finance standards is typical.
Have there been any regulatory fines or violations?
No publicly available information on regulatory penalties or fines.
Where can I find real reviews about the service?
Real user reviews can be found on platforms like Trustpilot, PissedConsumer, and other financial review sites.
What are the main user complaints?
Common complaints include payment processing issues, customer service delays, and account access difficulties.
What do users most often praise the service for?
Users often praise flexible payment options and partnership availability with major retailers.
Are there issues with fund withdrawals?
Some user reports indicate delays or difficulties with payment processing rather than withdrawals, as it's mainly a credit service.
Is the interface convenient according to users?
The mobile app and online account manager are generally positively reviewed for ease of use.
Are clients satisfied with transaction speed?
Payments typically take 3-5 working days, which some users find slow.
Do users recommend this service?
Ratings vary; some recommend it for retail credit use, while others caution about customer service responsiveness.
How do experts assess the service's reliability?
Financial experts view the firm as a stable retail finance provider backed by BNP Paribas but emphasize regulatory compliance importance.
Are there industry awards and recognitions?
No listed industry awards or formal recognitions.
Does the service participate in payment system rankings?
No specific information on ranking participation is available.
Are there recommendations from financial regulators?
It operates under FCA regulation, which includes adherence to certain operational standards and consumer protection.
What reputation does the service have among partners?
Generally well-regarded by retail partners for providing consumer finance solutions.
How do they evaluate solution innovation?
Rated as a reliable but traditional finance provider with steady digital improvements like mobile apps.
Are there quality service certificates?
No public details on ISO or other quality certifications.
Does the company participate in industry conferences?
No public information on conference participation.
How does the service position itself in the market?
Positioned as a leading UK retail and consumer finance provider offering flexible credit solutions.
Which fiat currencies does the service support?
Primarily British Pounds Sterling (GBP).
Are cryptocurrencies supported? Which ones specifically?
There is no cryptocurrency support.
Can currencies be converted within the service?
Currency conversion is not supported; operates in GBP only.
What exchange rates are used for conversion?
Not applicable.
How often are exchange rates updated?
Not applicable.
Are stablecoins supported?
Not supported.
Can exotic currencies be handled?
No, only GBP.
Are there currency restrictions in different countries?
Operates within UK jurisdiction, so GBP usage only.
What types of transfers does the service support?
Payment of bills, direct debit setup, online payments via debit/credit cards, bank transfers.
Can transfers be made between service users?
No peer-to-peer transfer facility.
Are transfers to bank cards supported?
Yes, payments can be made via debit and credit cards.
Can money be transferred to bank accounts?
Payments can be made from bank accounts to finance account; transferring out is limited.
Is bill payment available?
Payment plans may cover bills depending on retail partner agreements.
Are recurring payments supported?
Yes, direct debit recurring payments are supported.
Can automatic transfers be set up?
Yes, direct debit allows automated payments.
Is payment scheduling available?
Scheduled direct debits are supported.
Are group payments supported?
No public information on group payment features.
Can payment links be created?
No public feature for payment link generation.
What are the minimum transaction amounts in the service?
Minimum payment minimum is £1 online.
What are the maximum amounts that can be transferred?
Credit limit can go up to £25,000 for some retail finance plans.
Are there daily limits on operations?
Specific daily limits are not publicly detailed.
What monthly and annual limits are in effect?
Limits depend on credit agreements and user verification.
Can limits be increased? How?
Limits can be increased upon application and credit assessment.
Do limits differ for verified users?
Verified customers typically have higher limits.
Are there restrictions for new accounts?
New accounts have initial lower limits subject to credit checks.
Do special limits apply in different countries?
Operates in the UK only, so UK limits apply.
Can operations be temporarily blocked?
Yes, suspicious or overdue accounts may be blocked per compliance rules.
Are there limits on the number of daily operations?
No public information.
What are the minimum amounts for account funding?
Minimum payment from £1 via app or online.
What methods of funding are supported?
Debit cards, credit cards, direct debit, bank transfers.
Are there fees for funding?
Generally no fees when using debit cards or direct debit; credit card payments may incur fees from credit card providers.
What are the minimum funding amounts?
£1 minimum payment online.
How quickly are funds credited when funding?
Typically 3-5 working days.
How can money be withdrawn from the system?
Primarily a credit service; cash withdrawals from the account are not typical.
Are there fees for fund withdrawal?
Not applicable.
How long does withdrawal take?
Not applicable.
What withdrawal limits are set?
Not applicable.
How quickly are funds credited when funding with a card?
Card payments credited within 3 working days.
How long does a bank transfer take?
Bank transfers take about 5 working days.
How quickly do cryptocurrency transfers arrive?
Not supported.
Are transfers between users instant?
Internal user transfers are not supported.
Are there delays when funding on weekends?
Payments made on weekends processed on next business day.
Do holidays affect funding speed?
Public holidays may delay payment processing.
Can crediting be accelerated for a fee?
No publicly listed express processing.
What determines the speed of funding processing?
Banking system processing times and payment method used.
Are there notifications about funding status?
Some notifications via online account manager or app.
What to do if funding takes too long?
Contact customer service for delayed payments.
How quickly are withdrawal requests processed?
Not applicable.
How long does card withdrawal take?
Not applicable.
How quickly do bank transfers arrive?
3-5 working days typically.
Are cryptocurrency withdrawals instant?
Not applicable.
Are there withdrawal delays on weekends?
Not applicable.
Do holidays affect withdrawal speed?
Yes, payments may be delayed on holidays.
Can withdrawal be accelerated for an additional fee?
Not applicable.
What determines withdrawal processing time?
Not applicable.
Are there notifications about withdrawal status?
Not applicable.
Can a withdrawal request be canceled?
Not applicable.
How to register with the payment service?
Registration is through online or in-store application for credit services.
What data is needed to create an account?
Personal details, proof of identity, address, income information usually required.
Can registration be done without email?
Email is typically required for registration and communication.
Is phone confirmation required during registration?
Phone verification may be part of the process for identity confirmation.
Are there age restrictions for registration?
Must be aged 18 or over.
Can a corporate account be created?
Corporate accounts are not typically offered; services focus on consumer finance.
Is it required to provide real data?
Real personal data and verified identity are mandatory.
Are there country restrictions for registration?
Registration limited to UK residents.
How long does account activation take?
Activation usually within a few days of application and approval.
What verification levels exist?
Basic and enhanced verification depending on credit and loan type.
What documents are required for basic verification?
Proof of identity and address documents such as passport, driving license, utility bill.
Are documents needed for full verification?
Additional income proof or supporting financial documents may be requested.
Are digital copies of documents accepted?
Yes, digital uploads are accepted.
How long does the verification procedure take?
Verification typically completed within 1 to 5 business days.
Can the service be used without verification?
Limited service access without full verification.
What restrictions apply to unverified users?
Lower credit limits and limited account features.
Is address confirmation required?
Yes, address verification is mandatory.
Is a selfie with documents required?
Possibly required for enhanced verification or fraud prevention.
How often do documents need to be updated?
Usually every 2-3 years or upon significant changes.
What encryption technologies does the service use?
Likely TLS/SSL encryption for data security.
Is two-factor authentication supported?
Some level of two-factor authentication for account security.
Are there SMS confirmations for operations?
SMS confirmations may be used for transactions.
Is biometric authentication supported?
No public information on biometric support.
Is blockchain technology used?
No public information on blockchain usage.
Is there a multi-level security system?
Standard multi-layer security with access controls and monitoring.
How is user personal data protected?
Data protection under UK GDPR with secure storage and processing.
Is cold storage used for cryptocurrencies?
Not applicable.
Is there DDoS attack protection?
Typical protection expected as part of IT security.
Are regular security audits conducted?
Likely internal and external audits routinely.
What anti-phishing protection measures are provided?
Email and website phishing awareness and detection.
Is there a suspicious activity detection system?
Fraud monitoring and suspicious activity alerts.
How does the service combat money laundering?
Robust AML policies, transaction monitoring, and KYC checks.
Is there blocking of suspicious accounts?
Yes, suspected fraudulent accounts are blocked promptly.
What to do when fraud is detected?
Report immediately to customer service and freeze the account.
How to report suspicious activity?
Contact customer support via phone or email.
Is there compensation for damage from fraudsters?
Compensation depends on investigation outcomes and consumer protection laws.
What user rights exist for disputed transactions?
Users can dispute charges under FCA and consumer credit protections.
How to dispute account blocking?
Submit a formal request or complaint to customer service.
Is there insurance against cyber attacks?
No public information on cyber insurance coverage.
What fees does the service charge for transfers?
Fees depend on payment methods; credit card payments may incur fees from card issuers.
Are there fees for account funding?
Usually none for debit cards or direct debit; credit card payments may incur fees.
Are fees charged for fund withdrawal?
Not applicable.
Are there fees for currency conversion?
Not applicable.
Are there fees for account inactivity?
No public information on inactivity fees.
Are there account maintenance fees?
No widely disclosed maintenance fees.
Are fees charged for operation cancellation?
No public information on cancellation fees.
Are there fees for expedited operations?
No publicly listed express service fees.
Are there hidden fees?
The company maintains transparency; users should review terms for any card provider fees.
How are fees calculated for large amounts?
Fees usually percentage-based for credit card cash-like transactions.
Are there different tariff plans in the service?
Interest-free and interest-bearing credit options are available depending on credit product.
What advantages does VIP status provide?
No public information on VIP status or benefits.
How to get preferential conditions?
Preferential conditions generally granted via credit assessment and loyalty.
Are there free operations per month?
No public data on free transaction allowances.
Are there discounts for active users?
No public program details on activity discounts.
Are there corporate tariffs?
Business finance products are separate; consumer finance focuses on individuals.
Can individual conditions be obtained?
Credit limits and rates may be individually tailored per creditworthiness.
Do promotional codes work for fee reduction?
Sometimes promotional offers exist with retail partners.
Are there cashback programs?
No known cashback rewards.
Are there discounts for transaction volumes?
No public volume discount programs.
Is there an official mobile application?
Yes, Creation Credit Card app is available.
On which platforms is the application available?
Available on iOS (App Store) and Android (Google Play).
What functions are available in the mobile application?
Account management, payments, transaction tracking, saving card details.
Does functionality differ from the web version?
Functionality is similar but optimized for mobile use.
Is Touch ID/Face ID supported?
No explicit information available.
Can the application work offline?
No, requires internet connection.
Are there push notifications about operations?
App provides notifications about payments and account activity.
Is dark theme supported?
No public info on dark mode.
How often is the mobile application updated?
Updates occur periodically.
Are there beta versions of the application?
No public beta program details.
Is the web interface of the service convenient?
The website and Online Account Manager are user-friendly and straightforward.
Is responsive design supported?
Yes, the website is mobile responsive.
In which languages is the interface available?
English language primarily.
Is there a night mode for the website?
No public information.
Are hotkeys supported?
No public information on hotkey support.
Can data be exported?
Data export options are limited or unavailable.
Is there an API for developers?
No public API documentation is available.
Is integration with other services supported?
Integration occurs via retail partners but direct API integration is not publicly detailed.
How often is the web interface updated?
Regular maintenance and updates as needed.
Are there virtual cards in the service?
No public offering of virtual cards.
Can disposable cards be created?
Not available.
Is multi-currency account functionality supported?
No, only GBP accounts.
Are there investment products?
No investment products are offered.
Can interest be earned on balance?
No interest earning on balances.
Are there credit products?
Yes, multiple credit products including credit cards, loans, and retail finance.
Is there acquiring for business?
No merchant acquiring service publicly offered.
Is there a loyalty program in the service?
No widely advertised loyalty program.
How are bonus points earned?
Not applicable.
Are there referral programs?
No public referral program noted.
What privileges do VIP clients have?
No public VIP client information.
Are there seasonal promotions and offers?
Promotions sometimes offered via retail partners.
Are there partner discounts?
Any discounts are managed by retail partners.
Are there corporate loyalty programs?
No public corporate loyalty programs.
Does the service allow operations with online casinos?
No public support or promotion for gambling-related transactions.
Are there restrictions on gambling transactions?
UK regulations generally restrict gambling transactions on consumer credit.
Can accounts be blocked for casino play?
Accounts may be blocked for suspicious gambling-related activities.
How does the service view gambling?
As a regulated credit provider, likely cautious of gambling-related credit risks.
Are there special conditions for gambling?
Likely restricted in line with FCA and consumer credit regulations.
Are casino transactions tracked?
Yes, all transactions monitored for compliance.
Are there special fees for gambling operations?
No known special fees.
Can limits be set on gambling?
No explicit controls listed for gambling spend limits.
Is there a self-exclusion function?
No public self-exclusion option.
Can access to gambling sites be restricted?
Not directly by the service; depends on retailer/payment policies.
Can operations with casinos be blocked?
Yes, suspicious accounts may have transactions blocked.
Is a "cooling-off period" supported?
Consumer credit cooling-off rights apply.
Can help be obtained for gambling addiction?
Support available through UK addiction help organizations but not directly from the service.
Is there partnership with player assistance organizations?
No public partnership info.
How to set up gambling expense notifications?
Not applicable.
Which online casinos accept this payment method?
Not publicly promoted or supported.
Do conditions differ when used in different casinos?
Not applicable.
Are there geographic restrictions for casino usage?
Service operates within UK financial regulations.
How do casino operators typically process transactions from this method?
Not relevant.
Are there typical processing times when used with casinos?
Not applicable.
Do casinos usually charge additional fees for this method?
No information.
Are there any known compatibility issues with major casino platforms?
No information.