Credit Cards

A credit card allows you to borrow money from J Trust Royal to make purchases, whether you’re buying something small like an item of clothing in a shop or something large like a round-trip ticket to France on the internet. As long as you pay back the money you borrow within the “grace period” (also known as the interest-free period), you won’t have to pay extra. If you’re unable to repay the amount owed in the interest-free period then you will have to pay interest — a percentage of the money you owe the bank — on top of what you borrowed.

J Trust Royal Visa credit cards are issued with up to 45-days interest free for purchases. Statements are issued each month showing the total amount due and should be paid in full in order to avoid interest charges. However, if you’re not in a position to pay the full amount then you may opt to pay a minimum amount, which is also indicated on the statement, or anything in between the full amount and the minimum amount. If you don’t pay the full amount, you will then need to pay interest in addition to the amount you borrowed.

J Trust Royal credit card statements are issued on a monthly basis. The full repayment amount and a minimum amount will both be indicated on the statement. If the full repayment is not made by the due date then interest charges will apply. Annual fees will be included on your statement around your card’s anniversary. Other fees, such as a late payment fees or foreign currency conversion fees, will be charged as they are incurred. For more information please see the fees and charges information.

A J Trust Royal Credit Card can be used anywhere in the world where Visa is accepted. This includes in shops, online, over the phone, and in ATMs (for cash advances). The extensive Visa network includes 200 countries and territories as well as over 2 million ATMs worldwide.

All J Trust Royal credit card customers will receive monthly statements detailing all your transactions. You can also check your transaction history, at your convenience, using our Internet Banking and JTR Mobile tools. You will need to register for Internet Banking and JTR Mobile before you can use these.

All our J Trust Royal Visa Credit Cards have an embedded Enhanced EMV-Dynamic Data Authentication Smart Chip that offers a global standard of security. We also have continuous fraud monitoring systems in place to identify any suspicious activity and help prevent unauthorised transactions. Please keep your contact information with us up-to-date so that we can reach you quickly if suspicious activity is detected.

Please save our Customer Care Centre number (+855 (0) 23 999 000) so you can immediately report any lost, stolen or misplaced cards or compromised pin numbers. Depending on your situation, we can immediately temporarily block or permanently cancel your missing card. In the event of a permanent cancellation, we can organise for a replacement card to be reissued as soon as possible. If you choose to block your card you can call us and ask for the block to be lifted after you find your missing card.