To pay your outstanding credit card account balance, you can use any of the following options:

• Set up a Direct Debit using the Direct Debit Payment Application form here.
• Make an online bank transfer using our bank details as follows:
  1. Account Number: 02 0836 0088452 00
  2. Account Name: Ruralco NZ Limited
  3. Reference: Your account number as shown on your statement
• Cash or EFTPOS in one of our Ruralco retail stores

To see the details of the discounts you get when you shop with your Ruralco Card, visit this page to find out where you can use your card, and the discounts available.

We have made it easier for businesses to accept the new Ruralco credit cards online. If a business accepts your card instore but you can't shop on their website, let us know and we'll get in touch with them. Find out where you can use your card.

No, your Ruralco credit card can only be used to shop with businesses who accept your card within New Zealand.

If your card is lost or stolen, let us know as soon as possible by calling us on 0800 787 256 so we can arrange a replacement card. Your old card will be blocked, so no more purchases can be made. When your new card arrives, it will have a different card number to your old card, so you'll need to update any direct debits you have with businesses, for example subscription services.

If your card is damaged, let us know as soon as possible so we can arrange a replacement card. When your new card arrives, it will have the same number as your old card.

This could happen for several reasons:

1. If the place you are shopping at does not accept Ruralco Cards, your transaction won't go through. You can let us know, and we can work with that business to get them on board.
2. If your card is new, you will need to call us on 0800 787 256 to load a PIN before you can use it.
3. If your card is blocked, you won't be able to use it until it is unblocked or replaced. Call us on 0800 787 256 so we can help.
4. If the purchase will take you over your credit limit, it will be declined.

Some discounts are applied to your statement, not at point of sale when you pay. You can check your statement to see if the discount is showing there.

No, not at the moment. We hope to offer this feature in the future.

You will incur a late payment fee and interest charges in accordance with the latest Terms and Conditions for the relevant card, available on our website.

Please refer to the latest Terms and Conditions for the relevant card, available on our website, for a list of fees that could be charged.

We have made it easier for businesses to accept the Ruralco Cards online. If a business accepts your card instore but you can't shop on their website, let us know and we'll get in touch with them. Find out where you can use your card.

No.

No, the Ruralco Cards don't have a chip, so can't be used to make contactless purchases. You'll need to swipe your card through the EFTPOS terminal.

If you do not pay your balance in full each month, you may incur interest charges at the stated rate in the latest Terms and Conditions for the relevant card, available on our website here. If you only make the minimum payment each month, you will pay more in interest and it will take you longer to pay off the unpaid balance.

Yes.

No.

If you are a business customer, we may assign a credit limit based on the type of business you are, or by assessing your financial information. Before we can approve a Ruralco Credit Card for personal use, we are required under CCCFA (Credit Contracts and Consumer Finance Act) regulation to assess each customer's suitability for this. We do this by reviewing your financial information and running an affordability check, based on your income and expenses. Credit Sense are a trusted partner who Ruralco are using to help with assessing customers' financial information. Customers will provide 12 months' worth of financial history, which Credit Sense pulls together into a summary report for Ruralco to review. This will help us to determine the credit limit we can offer you on your new Ruralco Card.

You are able to apply to increase your credit limit at any time. Please note, this will be subject to an affordability assessment and credit checks, and also a suitability assessment for personal credit cards. To apply for a credit limit increase, please contact us at Membership@ruralco.co.nz

You can decrease your credit limit at any time by letting us know what you would like to change this to. You can contact us at Membership@ruralco.co.nz. Please be aware that this does not guarantee that you will be approved for a higher limit again, if you wish to increase your limit at a later date.

You will not be able to go over your credit limit when you swipe your card through an EFTPOS terminal, so if the purchase exceeds your available limit, it will be declined. We will send you an SMS when you are within 80% of your credit limit, to minimise the potential for this to occur. However, there are some pre-defined circumstances that could cause you to go over your credit limit. If this happens and you are over your credit limit, you will not be able to purchase on your card until your total purchases are back within your credit limit. Any over limit amount is payable immediately.

Yes. Your credit limit is assigned to your account, not to each card.

We understand that some customers have concerns about providing bank details through a third party website. Credit Sense has been providing this service in New Zealand for many years without any issues. Credit Sense helps consumers and businesses safely and easily share their information, and helps lenders to understand an applicant’s income and expenses, comply with CCCFA responsible lending obligations and process applications faster. Your bank is generally referring to not sharing online banking information with other people, rather than using secure services such as Credit Sense. If you are uncomfortable with this approach, we have another option, where you can provide us with original pdf copies of statements downloaded from all of your online accounts across all of the financial institutions you deal with, from the last 12 months. Please contact us if you would like to know more about this process.

Once we have reviewed the report from Credit Sense, we will determine if this is enough for us to set a credit limit for your new Ruralco Card. If we have any questions or need anything else, we will contact you.

Your member number will remain the same, but going forward, you may not be able to use this to make a payment at businesses that accept your card. Please ensure businesses are aware that you have a new card and that they will need the new 8 digit number shown on the back of your card.

Your rebates are not affected by the changes to the Ruralco Cards. Rebates are paid to Shareholders at the discretion of the Board.

Please contact us to discuss a share transfer and how this can best work for you. Please note we will need to capture AML information for any person who controls or is authorised to act on the card account.

You won't be able to use your 4-digit Membership number to make a payment any more, so instead you'll need to provide the 8-digit number on the back of your card. The contractor will include this on the invoice to us so that we can put the charge to your account and you will see it on your next statement.

Yes.

Yes, when you log into the Ruralco website you can access your statements there.

If your statement preference is current set up as “To Email Statements” this will continue. If you would like to change your statement preference to receive these via email, please contact us on 0800 787 256.

The discount will show the same way that it does on current statements.

On your statement, "Ruralco Retail Transaction" represents any instore Ruralco purchases and any Electricity invoices. A single line on the Ruralco Credit Card Page summarises these transactions, and a separate sheet attached to the statement details the individual purchases.

If your opening balance was zero, and you have had no transactions, you will not receive a statement. If you had an opening balance and your only transaction was a payment, you will still receive a statement.

Yes. Statements will look a bit different for the new Ruralco credit cards, as there are now flexible repayment options and different due dates.

No. You can pay the minimum amount due or any amount over that, up to the full balance owing. However, if you do not pay your balance in full each month, you may incur interest charges at the stated rate in the Terms and Conditions for the relevant card, available on our website. If you only make the minimum payment each month, you will pay more in interest and it will take you longer to pay off the unpaid balance.

You can contact us to set up your Direct Debit to pay however much you like, as long as it is the minimum monthly required amount or more.