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Coronavirus
Managing your credit card

Coronavirus credit card support

It's important that you make at least your minimum monthly payment on time to avoid affecting your ability to get credit in the future. If you are finding it difficult to pay your monthly credit card payments as a result of coronavirus, then remember that you can reduce payments to the minimum amount.

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries. Digital Banking available to customers aged 11+ with a NatWest account.

Direct Debits

If you have a direct debit set up for your monthly payments, you can cancel that via the mobile app or through Digital Banking. You can still make one off payments every month to ensure you pay at least your minimum  monthly payment.

Payments

Paying your minimum monthly payment can help you reduce your costs in the short term, however it means that it would take longer to pay off your credit card debt. If you are able to pay more than the minimum monthly payment you could clear your balance sooner and prevent interest from building up.

Applying for a credit card payment break

 

If you still feel that you cannot pay the minimum monthly payment, you can apply for a credit card payment break for up to 3 months and pay £1 or more into your credit card account based on what you can afford during the break period. If you have an instalment plan setup, this will be cancelled, and your remaining balance will be added to your overall credit card balance.

 

How to apply

To apply, log into our mobile app, simply tap 'Help' at the bottom of the screen followed by 'Message us' and quote 'coronavirus credit card' in your message.

Credit card payment break FAQs

Is your existing credit card payment break coming to an end?

When your payment break comes to an end we'll get in touch to let you know what you need to do. Find out more about your options.

Payment break examples

The following examples show how an initial 3 month payment break could impact your minimum monthly payments and balance over a year.

Important information

  • The figures shown above are representative of an initial 3 month payment break, and are not reflective of an extension.
  • The figures shown above are for illustrative purposes only and do not show what exactly will happen to your balance. The minimum payment in these examples are made up of 1% balance plus any interest charge
  • The examples assume no additional spend on your account once the payment break has been applied. Any additional spend will increase your balance and your minimum payments after your payment break
  • Your minimum payment at the end of the break will be determined by your balance, your interest rate and the amount that you spend. You can still make payments of greater than £1 while on a payment break, this will help you avoid higher interest charges and an increase in your minimum payments after the break.

Something else we can help you with?