Smile Classic Credit Card – for carrying out your everyday purchases.

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Smile Classic Credit Card is a no-annual-fee card that offers cashback to cardholders. This card can easily fit in as your regular card for carrying out your everyday purchases. Application is very easy and can be done online as well as login to view account statements.
Smile Classic Credit Card is issued by The Co-operative Bank Plc. Only existing Smile current account customers are eligible to apply.

Smile Classic Credit Card

Smile Classic Credit Card Benefits

  • Firstly, this card is accepted globally wherever there is a Visa logo.
  • Secondly, no annual fee is charged
  • Thirdly, cardholders can access their account online 24/7.
  • Enjoys up to 46 days interest-free grace period
  • Lastly, cardholders can shop online with peace of mind.

Smile Classic Credit Card Fees And Rates

  • Annual Percentage Purchase Rate –16.9%
  • APR for Cash Transactions – 25.9%
  • APR for Balance Transfers – 16.9%
  • Annual Fee – £0
  • Interest-free period – 56 days
  • Credit limit – 200
  • Late Payment charges – £10

Requirements For Application Of Smile Classic Credit Card

  • Firstly, the applicants must be 18 years old or over
  • Secondly, the applicants must be a UK resident
  • Earning a minimum Gross Annual Income of £10,000
  • An existing customer having held a cooperative Bank or Smile current account for at least 7 months (Cash minders, Student, and Pathfinder accounts are not eligible).
  • Not had any County Court Judgements (CCJs), entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Also, not in arrears or have missed more than 2 payments on any credit agreement in the last six months.
  • Lastly, must be employed full time, part-time, self-employed, or retired.

How To Apply For Smile Classic Credit Card

  • Firstly, visit the Home page of the Co-operative Bank Credit card.
  • Secondly, navigate to the widget ‘Application help’, from the drop-down menu, click on the ‘Credit card applications’ icon.
  • Thirdly, on the application page, go through the eligibility criteria to see if you are qualified for the approval of the credit card. Then click on the ‘Tell more’ button
  • Read more about the Smile Classic benefits
  • Next, click on the ‘Apply Now button
  • On the next page, key in your date of birth, if joint, key in the applicant date of birth, email address, confirm the email address
  • Then, click on the ‘Next button.

How To Check Credit Card Application Status

Approval status is based on a Credit check and an assessment of personal circumstances. You can contact the customer service center for assistance.

How To Activate Credit Card

To activate your newly registered Smile Classic credit card for usage contact the Customer service Centre for assistance at 020 3370 0970.

How To Log in to Smile Classic Credit Cards

  • On the home page of Co-operative Bank
  • Navigate to the right hand, click on the “Banking login” Widget
  • On the next page, login section, enter your Username
  • Then, click on the “Next” button.

How To Recover Smile Classic Credit Card Username

  • On the log in section of Smile Classic Credit Cards
  • Scroll down and click the “forgot my Username ” link
  • On the next page, Enter your Email address
  • Click on the “Ok” button.

Lost or Stolen Card 

For lost or stolen cards, simply report to the customer service center at 0203 370 0970.

How To Make Bill payment With Smile Classic Credit Card

  • Online – log in to online banking, select the account you want to pay your bill from, select ‘Move Money’, Enter the payment details by following the on-screen instructions.
  • Mobile app – log in to your mobile app, select ‘Move Money’, select Pay a bill or send money, enter the payment details by following the on-screen instructions.
  • Branch – visit your local branch at least two Business Days before the payment is due.
  • Direct Debit – call at +44(0)3457 212 212 calls from the UK and abroad.
  • Post – make sure you post your Cheque at least seven Business Days before your payment is due, make Cheques payable to the Co-operative Bank Plc, followed by your 16 digits credit card number, send the cheque with the completed paying in slip from the button of your statement to this address:

Co-operative Bank Plc
P.O.Box 12672
Sandringham House
Sandringham Avenue
CM20 9QR.

Smile Classic Credit Card Customer Service Centre

The customer service center is available 24/7 for all inquiries and information, contact them at 0870-843-2265.