Existing Customers

Long term credit card debt

What’s persistent debt?

Persistent credit card debt, also known as long term credit card debt, applies when you’ve paid more in interest, fees and charges than you’ve paid back on the amount you’ve borrowed over an 18 month period.

We are taking steps to support our customers to pay more towards their credit card balance and manage their finances better. This reflects the rules that have been introduced by the Financial Conduct Authority (FCA) with the aim of helping customers avoid long term credit card debt.



How do I know if I’m in persistent debt?

  • We'll write to you and ask you to increase your monthly payment and try to help you save money by coming out of persistent debt, on your credit card. Paying a bit more will reduce the time it’ll take to repay the balance and save you paying more interest.
  • We’ll check how you’re doing over the next 18 months and if you stay in persistent debt and can’t increase your payments we’ll take steps to help you repay your balance faster.This may result in suspending your credit card so you can’t keep spending on it.

What’s my minimum payment?

Your minimum payment is displayed on your credit card statement. You’ll also find it on our mobile app and in Digital Banking.

App available to customers with Digital Banking, compatible iOS and Android devices and a UK or international mobile number in specific countries.

What do I need to do?

You can call us by phone or Next Generation Text (NGT) on 0345 030 3574, and we’ll help you calculate the potential savings you could make by increasing your monthly payment

How can I increase my payments?

You could increase your payments:

Before you change your payments, please make sure you can afford it. 

How much do I need to increase my payments by?

A good guide is to try to make sure how much you pay is at least double the amount of the interest, fees and charges showing on your statement.

In some cases you may need to pay more than this so it’s a good idea to call us and we can make sure this is affordable for you.

Select an option from the dropdown below to see how increasing the payments can help save money.

What if I can’t pay more?

If you can’t afford to increase your payments, let us know as soon as possible. We can help you find an affordable way to pay it back.

For free, independent advice, you can also contact: 


Citizens Advice

National Debtline

Something else we can help you with?