Credit Cards

End of credit card payment break

Important information 


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.

We appreciate that you might still be impacted by coronavirus and unable to make your monthly credit card payments. If you are in this situation it is extremely important you contact us before your payment due date outlined on your statement, if you contact us after this date the support options available to you may be limited. The support options available are outlined below.

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, and coming to the end of your first payment break, you can apply to extend until your July Statement.

If you already know your circumstances won’t improve, or you have already extended your payment break, you could consider a longer term repayment arrangement.

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

Apply for temporary support

Extend your existing payment break

You can apply to extend your credit card payment break and pay £1 or more into your credit card account based on what you can afford during the break period. This extension will be in place until your July statement.

Longer term repayment arrangement

If your circumstances are unlikely to improve, a longer term solution may be more appropriate for you. You can call us on 0800 161 5905 or 0345 835 4482 (best for mobiles with inclusive minutes). Open Monday to Friday 8am-8pm and Saturday 8am-1pm. 

Please be aware that some options may affect your credit file.

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.

Advice NI

Free, confidential and impartial debt and money advice from Advice NI.

Need further support with you finances?

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