Credit Cards

• Will I receive a new credit card?

  Yes. Your new Republic Bank credit card is available for collection now. Please contact your branch if you have not heard from them already.

• Will my credit card account number change?

  Yes. Your credit card account number will change. To ensure a smooth transition to your new credit card and card account, we encourage you to update any online subscriptions, bill payment services, and/or any other service provider with your new card and account details when the system goes live on April 4, 2022.

• Will my new Republic Bank Credit Card have a new PIN?

  Yes. Your new Republic Bank Credit Card comes with a Unique Personal Identification Number (PIN) which is provided with your new card package. This PIN must be used for credit card transactions at Point-of-Sale Terminals and ATMs.
  Points to Note:

  • DO NOT USE YOUR OLD PIN WITH YOUR NEW CARD.
  • Your unique PIN is on the inside of the PIN Mailer received in the package.
  • Open the PIN mailer and you will see your 4-digit unique PIN.
  • Memorize the PIN; you can save it somewhere safe. Do not divulge it to anyone.
  • If you have more than one new Republic Credit Card – each card will have its own unique PIN.

   

• I am unable to pick up my replacement card, can my card be shipped to me?

  Yes, please send us an email with your forwarding address and telephone contact and your card will be shipped to you.

• I am unable to pick up my replacement card, can someone collect my card on my behalf?

  Yes, please send a letter of authorisation quoting the person’s name and ID number. If you reside abroad this letter must be notarised by a notary public. The signature on the letter must match the signature the Bank has on file for your account.

• I am unable to pick up my replacement card at this time, can you hold my card until I can collect it?

  Yes, we will make arrangements to hold your card for up to 6 months. Please send us an email and we will make the arrangements with your branch.

• Can I collect my card at another branch?

  Yes, you can collect your card at another branch. Please send us an email and we will arrange collection at the branch that is most convenient to you.
  *Ask the customer if this is a one-time request or a more permanent change.
  You have the option to formally change you preferred collection location on your records.

• Are special arrangements being made for elderly/injured/disabled customers who are unable to collect their cards?

  Yes, persons who are unable to collect their cards can send a letter of authorisation quoting name and ID number of the person who will collect on your behalf. The signature on the letter must match the signature the Bank has on file for your account.

• Can my card be sent via post to my mailing address?

  Yes, please send us an email confirming your mailing address and telephone contact and your card will be mailed to you.

• My card was replaced recently. Why do I need to replace it again?

  Your new Republic card is being issued as part of the transition to our new platform. Your existing card will be deactivated on March 28.

• I did not request a new card. Why am I being asked to collect a new Republic Bank card?

  Your new Republic card is being issued as part of the transition to our new platform. Your existing card will be deactivated on March 28.

• Why can’t I use my card on March 28?

  The temporary interruption in credit card services is a necessary element of our transition to our new platforms. We sincerely apologise for any inconvenience caused, services will be restored on March 29, with the activation of your new Credit Card.

• Will I have access to my credit balance on March 28?

  You will have access to your balances up to 3 pm on March 28. After this time, you will not have access via any platform (ATMs, Point of Sale, Online Banking or E-commerce) until your new card is activated on March 29.

• Will my credit card transactions transfer over automatically on March 28?

  Credit card transactions will not be transferred across. You will receive a closing statement (from the Scotiabank platform) itemising your transactions up to March 28. However, your balances will be transferred as of March 28. Any pending transactions (payments or purchases) will be posted to your new credit card account.

• I have a bill/subscription payment due on March 28. What should I do?

  Please update the merchant with your new Republic Bank card details as soon as your card is activated on March 29.

• My account has been closed for some time, why am I being asked to collect a replacement card?

  We apologise for this error, we will check on our end and provide you with feedback.

• Do I need to make an appointment to collect my card?

  No, you do need to make an appointment to collect your card. You can visit the branch during our regular hours or during our extended opening hours.

• I received an email about my debit/credit card, is this a scam/fraudulent?

  This is a legitimate message your card(s) is ready for your collection at your branch.

• Is it safe to come in to the branch during the COVID-19 pandemic?

  Our branches are strictly observing the existing protocols by sanitising and encouraging staff and customers to social distance and wear their masks whilst conducting their banking transactions.

• Will my interest rate change?

  Yes, please contact your branch if you have not received an email regarding changes to the interest rate/s for your credit card account/s.

• Will my minimum payment change?

  Yes, your minimum payment will be reduced from 3% to 2.77% of the outstanding balance or a minimum payment of US $20 or ANG 15.

• Will my interest-free period change?

  Yes. Your interest free period will be extended from 25 days to 50 days. This means that you’ll have a longer period of time to pay outstanding credit card balances before interest is charged on your account.

• Will my credit card continue to work locally, regionally, and internationally?

  Yes. Your credit card/s will be accepted locally, regionally and internationally, wherever you see the Mastercard symbol.

• Will my card’s expiry date change?

  Yes. The expiration period for credit cards will be standardised. Your card will now be valid for three years.

• Can I access my new Republic Bank card using my current online (Scotia Online) banking platform?

  No, you will not be able to access your new Republic Bank card on the Scotia Online banking platform. From April 4, you will be able to access your card using our new online banking platforms, RepublicOnline and RepublicMobile.

• When will my next credit card payment be due?

  Your 1st minimum payment or your full balance on your new Republic Bank credit card will be due on May 10.

• What will the date of my next statement be on the new Republic Bank platform and what transactions will it show?

  Your first Republic Bank statement will be issued on April 20. All pending transactions performed on the BNS platform and new transactions performed with your new Republic Bank credit card, will appear on your new statement.

• Do I need to update my credit card details with online merchants (Amazon, Netflix, etc.)?

  Yes, you will need to update online merchants with your new Republic Bank card details when your new card is activated on March 29.

• Will my standing order on my credit card be transitioned to my new Republic credit card?

  Standing order payments will not be automatically transitioned to your new Republic Bank account. However, you can schedule via RepublicOnline and RepublicMobile from April 4, 2022.

• How will my loyalty programme be impacted?

  You will continue to enjoy the same rewards as before including 4% cash back on all purchases at grocery stores and gas stations, 2% at drug stores and pharmacies and 1% at all other merchants. However, rewards will now be awarded on a quarterly basis and reflected on your quarterly statement. AAdvantage Mastercard cardholders will continue to earn one AAdvantage® mile for every U.S. dollar (or equivalent) spent on your card. Miles earned will be reflected on your statement.

• Will my daily purchasing limit be impacted?

  Your daily maximum limit for purchases will be ANG 17,900 (St. Maarten) or US $20,000 (BVI). If you would like to make a purchase above this limit, and you have the available credit, please call the contact centre at:
  • Republic Bank (St. Maarten) N.V.: 1-721-584-4725 (4RBL)
  • Republic Bank (BVI) Limited: 1-284-494-4725 (4RBL)

• Is my credit card billing cycle changing?

  Yes, credit card billing cycles will be simplified as part of our efforts to serve you in a more timely and efficient manner. This change means that your statements will be issued on the 20th day of each month and your payment due date will usually be on the 10th day of each month. We understand that this is a significant adjustment and we are committed to working on a case-by-case basis to help you through this transition.

• What is BalanceCover? Is there a cost?

  BalanceCover is an insurance coverage plan that covers the outstanding balance on your personal credit card by repaying or reducing your credit card debt in case of death or disability. The monthly premium rate is US$0.52 per US$100 of the outstanding balance.

• Will Republic Bank’s BalanceCover offer Critical Illness coverage?

  Critical illness will be covered under the BalanceCover product for credit cards.

• Will I be automatically enrolled for BalanceCover?

  All customers enrolled in Creditor Life Protection at the time of conversion will automatically be enrolled in the BalanceCover insurance programme. Please contact your branch if you are already enrolled and have not received an email with further details on your coverage.

• Will there be a fee for cash advances?

  Yes, as part of the conversion process fees will be standardised to reflect existing fee structures across the Republic Group. A cash advance fee of 3.2% or a minimum of US $5 will be introduced as part of the conversion.

• How do I set up automated credit card payments via RepublicOnline ?

  To set up your automated credit card payment via RepublicOnline, please click here

   

  If you are not yet registered for RepublicOnline, click here for your step by step guide for both Registration and Automated Credit Card Payment Set Up

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