End of coronavirus payment break

Credit card 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

If you're still temporarily impacted by coronavirus, you can apply to pay £1 or more (reduced payment) of your minimum monthly payments for 3 months, provided you have not had the maximum of two payment breaks already and you apply before 31st October 2020.
Created with Sketch.

If you already know your circumstances won't improve, you could consider a longer term repayment arrangement.
Created with Sketch.

If you're struggling financially you may also want to consider independent support.

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

Making reduced payments

You can apply for a credit card payment break for 3 months and pay £1 or more into your credit card account based on what you can afford during the break period.

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.

Independent support available

If you are struggling with your finances, you can get free debt advice. We partner with PayPlan (a third party company), who can offer you free confidential advice for all of your debts. 

Start your journey with PayPlan

Other independent organisations who can help

Citizens Advice
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).



Need further support with you finances?

You can find out more help and advice on our struggling financially page. 

Is there anything else we can help you with?