The challenging times we’re all experiencing means we’re getting a lot more calls than usual and our call times are longer. So we can support people in the most vulnerable situations, we ask that you only call us if your enquiry is urgent. You can still use our online and mobile services and our automated service.

If you’re in financial difficulty

Many people experience money problems at some stage of their lives.

There can be many reasons, such as the breakdown of a relationship or long term illness. Sometimes people overstretch themselves and simply find it hard to manage when an unexpected expense crops up.

Please don't be tempted to ignore the problem and hope it just goes away - it won't. We’re here to help, so please get in touch with us as soon as possible so you can discuss your options.

Financial difficulties video

When things don’t go to plan, or life takes an unexpected turn, the most important thing is to contact us as soon as possible, The sooner you start to take steps to sort things out, the easier it is to remove the pressures of being in debt. This little video covers the basics.

Financial difficulties video

How do I know if I have a problem?

Be honest with yourself. If one or more of the following warning signs apply to you, then you should consider taking some action:

  • Do you just pay the minimum payment on your credit card, month after month?
  • Do you need to borrow from friends or family?
  • Are you borrowing more, or using cash advances from credit cards, to pay existing debts?
  • Do you put off opening bills, or letters from banks and other lenders?
  • Are you paying bank account charges because of bounced cheques or unpaid bills?
  • Do you pay for grocery or utility bills by credit card without clearing the balance each month?

Please note
: these considerations aren’t exhaustive or meant to be taken as financial advice made by MBNA. You should seek independent financial advice if you’re unsure about your financial needs.

How do I start to get things under control?

Spend some time working out your own personal budget. Make a note of all your financial commitments, not just the obvious mortgage and loan payments, but other payments, such as gym fees, bills, petrol, council tax, internet and satellite TV packages, pension contributions, etc.

To make this a little easier, you might find our income and expenditure form helpful.

Subtract your outgoings from your total monthly income to figure out what’s left over. Be realistic though, otherwise you could set a budget that’s difficult to stick to.

When considering your own personal budget, you may want to keep these things in mind:

  • Review what you spend on non-essential items. Cut back on them until your finances are under control.
  • Consider your priority debts first, where failure to pay could have serious consequences. For example, council tax, rent arrears, mortgage arrears and outstanding fines.
  • Check what rates of interest you pay on your debts. Many lenders offer 0% introductory rates so you could save money by transferring your balance to a product with a lower rate. However, you should remember that transferring more expensive debts to another product may take you longer and cost you more to repay what you owe.
  • Try to pay the debt with the most expensive rates of interest first.

If your budget planning shows your outgoings exceed, or are close to your income, seek advice on how to approach creditors with a view to reaching a payment arrangement.

Tips on managing debt

The Financial Conduct Authority (FCA) has created some rules to help people avoid taking on more debt than they can afford. Find out more about persistent debt and what we can do to support you.

If you think you can manage with a few adjustments to your budget, then read our guide to managing debt, including tips on how to cut spending and stay on top of your MBNA credit card or loan account. We’d still recommend you get in touch with us though, just in case there’s something we can do to help.

Get in touch if you need support

To speak to us about your options, give us a call. You’ll need details of your income and expenditure to hand, so it’d be helpful to pull those together before you call.


You can call us on 0800 056 7298 (or +44 1244 757 233 from outside the UK). We’re here to help Monday to Thursday 9am to 8pm, Friday 9am to 6pm, Saturday 9am to 1pm. Standard network charges may apply.


Call us on 0330 678 1430. We’re to help 8am to 10pm, 7 days a week. Standard network charges may apply.

Everything will be handled with the sensitivity you’d expect.

How we can help you

We can talk you through some options based on your income and expenditure details, potentially figure out a payment arrangement for your MBNA credit card or loan to make things easier in the short term.

Could a debt management company help?

There are several debt management companies operating in the UK who could help you manage your debts and negotiate with your creditors to try to reduce your overall payments, making a difficult financial situation easier to control.

They assess what you can realistically repay each month and create a debt management plan for you. They'll also contact your creditors to negotiate a longer repayment term or a lower repayment amount.

A debt management company will manage your repayments from a monthly payment you make to them - you'll receive regular progress updates and, in most cases, you'll no longer be contacted by your creditors. Your circumstances will also be monitored to make sure your plan stays on track.

Just bear in mind, most debt management companies charge service fees. Plans are subject to status and signing up will affect your credit record, as well as your ability to obtain credit in future.

Free and independent advice

You can get independent advice about money worries from a range of organisations, including:

Visit PayPlan

StepChange Debt Charity
Visit StepChange

Visit Turn2us

Money Advice Service (MAS)
Visit MAS

Citizens Advice
Visit Citizens Advice

National Debtline
Visit National Debtline

Don’t wait to get in touch

If you’re experiencing financial difficulties, please don’t wait to get in touch about your MBNA credit card debt or loan debt.

Credit cards
Call us on 0800 056 7298 (or +44 1244 757 233 from outside the UK). We’re here to help 8am to 8pm, 7 days a week. Standard network charges may apply.

Call us on 0330 678 1430. We’re to help 8am to 10pm, 7 days a week. Standard network charges may apply.

Please note: the contents of this page are not intended to be taken as financial advice or recommendation made by MBNA. You should seek independent financial advice if you’re unsure about your financial needs.