Getting started using my Credit Card

What can I do if I'm unable to make my minimum repayments?

If you're struggling to keep up with your credit card repayments due to illness, injury, loss of employment, end of a relationship or for some other reason, we may be able to help. 

We know it can be hard sometimes to keep on top of your finances. Our team are here to help you and your family if things get a bit tough. 

Please call us on 0800 801 808 if you want to discuss how we might be able to assist. 

You may also wish to seek help to manage your debt through third party resources like Sorted or budgeting services like Family Budgeting.

What happens if a cardholder passes away?

If someone in your family who holds a Warehouse Money Credit Card passes away then you should let us know as soon as possible by calling us on 0800 801 808 or +64 9 212 5234 and we'll advise you what information we require.

Why have I received an email, letter or SMS that my account is overdue?

If we've told you that you account is overdue, it means that we haven't received the minimum amount due by the date stated on your monthly statement. You need to pay the amount that is overdue immediately.   

You can make repayments through the following methods:

  • Internet banking – if you are registered for internet banking with your bank, you can set us up a payee and make one-off payment to us each month to repay all or part of your credit card balance via online banking. Remember it takes 1-2 working days to clear a payment from online banking.
  • Automatic payment – if you are registered for internet banking with your bank, you can set up an ongoing automatic payment to us of a specific amount at regular intervals (for example, weekly or monthly).
  • Direct Debit – download and print our Direct Debit form at and return it to us.
  • Over the counter payment - just take your latest Warehouse Money statement to your nearest NZ Post. ($1.50 fee applies)

If you are setting up a Bill Payee for internet or automatic payments, your bank will have your card type loaded as Warehouse Money.

You’ll need to enter your details so we can match your payment to your card. Enter the following sets of information:

Particulars: This is your account number

Code: This is your last name and initials

Reference: This is your 9 digit customer number

If you can't pay in one of these ways, you can call us on 0800 801 808 to discuss alternative methods. However, we do prefer electronic payments.

For more information on repaying your credit card, click here