Credit card support
If you've had two payment breaks, please refer to the letter we'll send you around 3 weeks before your payments are due to restart for further help and support.
What to do when your payment break is coming to an end
Before your payment break ends we'll send you details of what you need to do. Your payments will start again on your usual payment date.
- If you can afford to pay the minimum monthly payment to your credit card, you can make your next payment as you would normally do.
- If you can't afford to make your next payment, we can help in a number of ways, depending on whether the changes to your financial situation are temporary or more permanent.
- Be sure to go through your options carefully to work out which one is the best one for you, especially as some options may affect your credit file. Additionally, some options mean that you will pay more interest overall.
Please note if you don't take any action, your payments will resume on your usual payment date.
Please remember, failure to make minimum payments, and missing a payment altogether, will likely result in charges and will affect your credit score.
Options to consider
Apply for temporary support
If your finances are temporarily impacted by coronavirus and you can't afford to make your full monthly credit card payments, we're here to help. You can apply for your first or second payment break provided you have not had the maximum of two already and you apply before 31st October 2020. Applications received after this date cannot be accepted.
Apply for further temporary support
App available to customers with compatible iOS and Android devices and a UK or international mobile number in specific countries. Digital Banking available to customers with a Royal Bank of Scotland account.
Longer term repayment arrangement
If your circumstances are unlikely to improve in the next 3 months, a longer term solution may be more appropriate for you. Please be aware that some options may affect your credit file.
Please chat to us as soon as you can so we can help.
Other independent organisations who can help
Free advice on debt, benefits, housing, legal matters, employment and general consumer advice.
Money Advice Service
Free Money Navigator tool which gives you action plans based on your own situation.
Stepchange Debt Charity
Free advice on bankruptcy, charging orders, employment, benefits, money management and mortgage/repossession support.
Free advice on housing, debt, benefits, eviction & homelessness.
National Debt Line
Free and confidential advice on debt.
Financial Conduct Authority (FCA)
Find out about the measures introduced to support you if you are experiencing a change in financial circumstances due to coronavirus (Covid-19).