Help with your payments
Falling behind with your credit card payments could mean you’ll have to pay extra interest and fees. If you miss a monthly payment, or your payment is late, we’ll charge you a late payment fee of up to £12. This will be registered with Credit Reference Agencies and could affect your credit rating.
We want to help our customers avoid any of these extra charges. Call us to find out how we can help.
Struggling to repay?
Call 0808 1450 379. We're open Monday to Friday 8am-9pm, and 8am-5pm on Saturdays. Calls may be recorded.
Already in arrears?
Call 0808 1450 364. We’re open Monday to Friday 8am-9pm, 8am-4pm on Saturdays and 9am-2pm on Sundays. Calls may be recorded.
There are a number of organisations who can provide you with useful information, advice and support when dealing with debt. You can talk to them about your financial concerns in complete confidence. Please be aware that there are also many similar commercial companies that will charge you for this service.
StepChange Debt Charity
A registered charity that offers free and impartial advice, their service is totally confidential, and supports anyone who needs advice and guidance to help them take control of their finances. You can call them free of charge on 0800 138 1111 or visit their website at: www.stepchange.org
Citizens Advice Bureau
The CAB offers free face to face assistance to people with severe financial difficulties through their network of local offices. You can get the telephone number of your local bureau from The Phone Book, the local library or from their website:
- Citizens Advice Scotland - www.cas.org.uk
- Citizens Advice England and Wales - www.citizensadvice.org.uk
Money Advice Trust
Free, independent debt advice to people across the UK through telephone and online services. Visit their website for more information: www.moneyadvicetrust.org
A free telephone helpline where you can request a free debt management pack that includes guidance on completing a personal budget plan to help understand and discuss your financial situation. Tel 0800 280 2816 or via:www.nationaldebtline.co.uk
Advice UK is the UK's largest support network for free, independent advice centres. It covers not only money and debt advice but, also other areas such as homelessness, drugs and alcohol, benefits, etc. Contact 0207 469 5700 or visit www.adviceuk.org.uk