Hvis kreditkortet stadig ikke virker i morgen, har jeg tænkt mig at ringe til banken.

In Danish, the definite article is usually attached to the end of the noun.

• et kreditkort = a credit card
• kreditkortet = the credit card

And:

• en bank = a bank
• banken = the bank

The ending depends on the noun’s gender:

• common gender nouns usually take -en
• neuter nouns usually take -et

So here:

• kreditkort is neuter → kreditkortet
• bank is common gender → banken

Hvis means if and introduces a conditional clause.

So:

• Hvis kreditkortet stadig ikke virker i morgen = If the credit card still doesn’t work tomorrow

This first part is a subordinate clause, and Danish word order behaves differently in subordinate clauses than in main clauses.

In Danish, stadig and ikke often appear together in this order when you mean still not.

• stadig ikke = still not

So:

• kreditkortet stadig ikke virker = the credit card still doesn’t work

If you changed the order to ikke stadig, it would sound wrong here.

This is something worth learning as a fixed pattern:

• han er stadig ikke kommet = he still hasn’t come
• jeg forstår det stadig ikke = I still don’t understand it

Yes. virker is the present tense of virke, and in this sentence it means works / is working / functions.

With things like cards, machines, devices, and systems, Danish often uses virke:

• Kortet virker ikke = The card doesn’t work
• Min telefon virker ikke = My phone doesn’t work

You may also hear fungere, which is similar:

• Det fungerer ikke = It doesn’t work

But virke is very natural here.

Danish often uses the present tense for future situations when the time is clear from context.

So i morgen already tells you this is about tomorrow, and Danish does not need a separate future form here.

That is very similar to English in sentences like:

• If it doesn’t work tomorrow, ...

So:

• Hvis kreditkortet stadig ikke virker i morgen
  literally uses present tense, but it refers to the future.

This is because Danish is a V2 language in main clauses. That means the finite verb usually comes in the second position.

Here, the sentence begins with the if-clause:

• Hvis kreditkortet stadig ikke virker i morgen

After that comes the main clause. Since the first position is already taken by the whole conditional clause, the finite verb must come next:

• har = second position
• jeg = after the verb

So:

• Hvis ..., har jeg tænkt mig at ...

If you started with the main clause instead, you would say:

• Jeg har tænkt mig at ringe til banken, hvis kreditkortet stadig ikke virker i morgen.

Both are correct; the word order changes because of V2.

At have tænkt sig at means to intend to, to be planning to, or to mean to do something.

So:

• Jeg har tænkt mig at ringe = I intend to call / I’m planning to call

This is a very common Danish expression for intention.

A few examples:

• Jeg har tænkt mig at blive hjemme. = I’m planning to stay home.
• Har du tænkt dig at komme? = Are you planning to come?

It is not translated word-for-word into natural English. You should learn it as a set expression.

Yes, but the meaning shifts a little.

• vil jeg ringe til banken = I will call the bank
• har jeg tænkt mig at ringe til banken = I intend / plan to call the bank

The version with vil sounds more like a straightforward future action. The version with har tænkt mig at emphasizes intention or plan.

So both are possible, but har tænkt mig at adds a sense of personal decision.

The verb ringe normally takes til when you call someone.

• at ringe til nogen = to call someone

So:

• Jeg ringer til banken. = I’m calling the bank.
• Hun ringede til sin mor. = She called her mother.

This is just the standard pattern of the verb in Danish, and it does not match English exactly, because English does not need a preposition there.

banken simply means the bank. In context, it often naturally means the bank connected with the situation, which may effectively be my bank in English.

Danish often uses the definite form where English might choose a possessive or leave it to context.

So ringe til banken can very naturally mean call the bank or call my bank, depending on the situation.

If you specifically wanted to say my bank, you could say:

• min bank

But the original sentence sounds completely normal.

Danish can use så in some conditional sentences, but it is not required here.

You may see:

• Hvis kreditkortet stadig ikke virker i morgen, så har jeg tænkt mig at ringe til banken.

That is also correct.

Without så, the sentence is still completely natural. In many cases, Danish simply goes straight from the if-clause to the main clause.

Yes, it is in the normal place for this subordinate clause.

In a subordinate clause introduced by hvis, Danish typically places negation like ikke before the finite verb:

• Hvis kreditkortet ikke virker = If the credit card doesn’t work

And with stadig added:

• Hvis kreditkortet stadig ikke virker = If the credit card still doesn’t work

This is different from main-clause word order. Compare:

• Kreditkortet virker ikke. = main clause
• ... hvis kreditkortet ikke virker. = subordinate clause

That difference is one of the most important Danish word-order patterns to learn.

A few parts may be difficult for English speakers:

• kreditkortet
  The d in kredit is soft, and the whole word tends to flow together.

• stadig
  Often pronounced more like sta-di than a fully clear three-part English-style pronunciation.

• virker
  The r affects the vowel quality, and the ending -er is usually quite reduced.

• tænkt mig
  This combination is tricky because consonants get compressed in normal speech.

• ringe til banken
  ringe is not pronounced the way an English speaker might expect from the spelling, and til banken often links smoothly in connected speech.

If you want to sound more natural, it helps to listen to the full sentence spoken aloud rather than trying to pronounce each word separately.