All you need to know NEW security code when you use your Credit Card online. Find out more What’s changing Create your OPC Freeze payments FAQs Let’s protect your account To protect your account from increasing online fraud, starting from the end of July 2021 we’ll be adding extra security checks when you make an online transaction. To continue to be able to shop online using your card, you need to create a unique Online Payment Code (OPC). What’s changing From the end of July 2021, you may be asked for two codes to validate your identity when you make an online purchase with your Creation issued Credit Card: .a { fill: #3a913f; } .b { fill: #fff; font-size: 22px; font-family: Nunito-ExtraBold, Nunito; font-weight: 800; } 1 NEW Online Payment Code (OPC) Unique 5-digit code which you need to create in your Creation Mobile App or Online Account Manager .a { fill: #3a913f; } .b { fill: #fff; font-size: 22px; font-family: Nunito-ExtraBold, Nunito; font-weight: 800; } 2 One-Time Passcode (OTP) A 6-digit code which you may already receive by SMS sent to your mobile number** Without a correct OPC and OTP, you won’t be able to complete online purchases with your card. **Please be aware that from July 2021 you will only be able to receive OTPs via SMS, so make sure you’ve registered your current mobile number with us in your Creation Mobile App or the Online Account Manager. How do I create my Online Payment Code (OPC)? It’s easy to create your OPC: Option 1: Via the Creation Mobile App^ under ‘Card Management’ Option 2: In your Online Account Manager under ‘My Profile’ Create your OPC ^To register, you’ll need to enter your card number, expiry date and date of birth. It’s important ALL cardholders linked to your account have their own unique OPC if you want them to continue to be able to shop online using their card.. NEW: Freeze your card for online payments only As part of these security changes, we are also introducing the option to freeze your card for online payments only. This means you’ll still be able to use the card in-store. You’ll be able to find this option in your Creation Mobile App and Online Account Manager from the end of July 2021. This new service is part of an industry-wide initiative to further protect customers against online fraudsters, so get ready by creating your OPC now. Strong Customer Authentication This service is part of an industry-wide initiative to make online payments even more secure and protect customers from fraud called Strong Customer Authentication. Enabled by the Mastercard® Identity Check™ (you may see their logo on the payment screen), it allows you to securely make online purchases using your Creation issued Credit Card at participating online retailers. You can also visit Take Five to find out more information on how to protect yourself, online and beyond. Check out FAQs Tips to keep safe We’ll never ask you for your PIN or password We’ll never ask you to move money to a ‘safe’ account Scams will urge you to act now and threaten you with warnings Check the domain name of the email sender Research the seller before buying online If in doubt, call the organisation’s official number directly and confirm if the message you received was from them Useful Links Customer Care Know Your Customer Data Protection Notice Data Subject Rights Request Modern Slavery Statement Open Banking FLA Lending Code Cookie Policy Terms and Conditions Accessibility Persistent Debt Legal Information Get in Touch Card customers 0371 376 9214* Loans customers 0371 402 3419* Finance agreement customers 0371 402 8905* Insurance (incl. motor) customers 0371 376 9200* *Calls may be recorded. Calls charged at basic rate. The number provided above may be included as part of any inclusive call minutes provided by your phone operator. Creation Financial Services Limited provides and is the issuer of credit cards. Registered Office: Chadwick House, Blenheim Court, Solihull, West Midlands B91 2AA (England - company number 1091883). Authorised and regulated by the Financial Conduct Authority. Registration Number 313153 Creation Consumer Finance Limited provides personal loans. Registered Office: 4th - 6th floor Wellington Buildings, 2-4 Wellington Street, Belfast, BT1 6HT (Northern Ireland - company number NI032565). Authorised and regulated by the Financial Conduct Authority. Registration Number 311518 Creation is the trading name for both Creation Financial Services Limited and Creation Consumer Finance Limited. © Creation 2021 We use cookies on our site. Cookies can help us to improve our service by collecting data to understand how people use our site. By allowing all cookies, we also enhance your user experience by helping you find information more quickly and tailoring content or marketing to your needs. 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