If you’re coming to the end of your credit card or loan payment holiday, we’ll contact you before it ends, there’s no need to call us. You can use our coronavirus support tool to find the right solution for your needs and confirm what you’d like to do in a few simple steps. You can find this tool on the coronavirus support page.

In these uncertain and unprecedented times, we want to make sure we’re doing all that we can to support our customers – especially our NHS workers who are doing an amazing job in extremely challenging conditions.

To help ease the waiting time for our NHS workers, we have set up an emergency prioritized phone line so that you can speak to someone as quickly as possible.

Our call centre is extremely busy and we would encourage everyone to continue using our Online Card Services where possible, but we understand that sometimes you will need speak to us.

There are quick links below to useful content and application processes that may help you manage your money.

How you can manage your money

  • 1.
    Credit Card payment holiday

    We’re here to support you throughout the coronavirus crisis, no matter the situation. And if you’re going to struggle to make your monthly payment because of coronavirus, you may want to think about taking a payment holiday.  A payment holiday is subject to approval, but if accepted you won’t need to make the usual payments to your personal credit card for up to 3 months. We have support available if you need more guidance.

    If your payment is due now and you can’t make the minimum payment, we won't charge a late payment fee or remove any promotional interest rates in the short term.

    Payment holidays may not be right for everyone. Your minimum payment and the total amount you owe may go up. This is because interest is still charged throughout the payment holiday (unless you pay 0% interest).

    Explore your options and find out how to apply online.

    End of your payment holiday

    You may be coming close to the end of your payment holiday period. Remember there is no need to contact us, we’ll be in touch before your current payment holiday ends on how we can help.

    Find out about your options at the end of your payment holiday.

    If you have Payment Protection Insurance (LifestyleProtect) you may be able to claim under your policy if you are unable to work due to sickness or unemployment. Please call us on 0800 587 0525.

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  • 2.
    Loans repayment holiday

    We’re here to support you throughout the coronavirus crisis, no matter the situation. And if you’re going to struggle to make your monthly repayment because of coronavirus, you may want to think about taking a repayment holiday.  A repayment holiday is subject to approval, but if accepted you won’t need to make the usual loan payments for up to 3 months. We have support available if you need more guidance.

    To ask for a repayment holiday, please use our support tool and we’ll take care of the rest for you. There's no need to cancel your direct debit. But if you have, you need to make sure you can start repayments again after the repayment holiday. You can do this by re-instating your direct debit. If it is still cancelled when we try to collect again, you may be charged additional interest, fall into arrears and your credit rating may be affected.

    If your loan payment is due within the next 7 working days, you will still need to make this payment and any repayment holiday you are given will start the following month. If you have a joint loan, any repayment holiday will be given to both of you. If your payment is due now and you’re unable to make the payment, we won't charge you a fee.

    We can only give a repayment holiday if your loan payments are up to date or you have missed one payment due to coronavirus. If your loan is in arrears, we have other ways of helping you. Please visit our Managing Debt page to find out more.

    Repayment holidays may not be right for everyone as we’ll extend the length of your loan at the end. This is so you can make up the payments you missed. We still add interest to your loan during the break. Because you’ll be borrowing for longer and interest is still charged, the amount you repay overall will increase.

    Explore your options and find out more.

    End of your repayment holiday

    You may be coming close to the end of your repayment holiday period. Remember there is no need to contact us, we’ll be in touch before your current repayment holiday ends on how we can help.

    Find out about your options at the end of your repayment holiday.

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  • 3.
    Contactless limit increase to £45

    From the 1st April you can spend up to £45 on your contactless debit or credit card. We’ve increased contactless payment limits in line with the national roll-out.

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  • 4.
    Making a claim for a Credit Card transaction

    We want to help you if you’ve had a problem with a transaction on your Credit Card. Maybe there’s something wrong with what you’ve bought or perhaps you’re still being charged for a service you no longer use.

    Find out how to make a claim

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  • 5.
    Credit Card limit increase

    If you need to increase your existing Credit Card limit, you don’t need to call us – you can apply using Online Card Services.

    Using Online Card Services, just sign in and select ‘Manage credit limit’.

    To request a credit limit increase, you’ll need a payment history of at least six months on your account. We’ll only offer you an increase if we think you can afford it. You can ask to lower your credit limit at any time.

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For the latest update on how you can find help, visit our Coronavirus help and support page.