What should I do if I think I won’t be able to make my next credit card payment?

I’m already struggling to make payments. Can you help me?

How do I contact the Specialist Customer Care Team?

Will missing payments affect my credit file?

What is a default, and what happens if I receive one?

What is Breathing Space, and how can it help me?

What can I do if I can’t pay anything right now?

Where can I get free, independent debt advice?

Will entering a payment plan affect my credit score?

Can I freeze my credit card account?

Will you charge fees if I miss a payment?

What happens if I don’t take action when experiencing financial difficulty?

I can’t afford my repayments; will you stop charging interest?

What happens if my financial situation improves after I’ve started a repayment plan?

What is persistent debt, and how does it affect me?

A third party is helping me with a Debt Management Plan, IVA, bankruptcy, or Debt Relief Order (DRO). What do I need to do?