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Credit Card

Are you experiencing difficulty paying your Credit Card?

 

If you can't pay your Credit card minimum payment or miss a payment it's very important that you contact us as soon as you know there is a problem.  The number you need is here but before you call us take a few minutes to get some information together:

If you don't have a budget planner to hand go to our 'Taking control' section and once you know your income and expenditure we will be able to fully understand your circumstances and establish which is the right option for you.

When you speak to us, we may be able to help in a number of different ways:

  • If you are in arrears and unable to repay the amount outstanding we may be able to offer you a short term payment arrangement
  • If you can't offer a regular repayment plan right now and are seeking help from an independent third party we will give you "breathing space" for up to 30 days while you get advice. If this is the right option we will explain how it works.
  • If you can't offer a regular repayment plan and prefer to deal directly with us we will give you "breathing space" for 30 days while you complete and return an Income & Expenditure form. If this is the right option we will explain how it works.

Please note - any agreement to pay less than your contractual minimum monthly amount due may affect your credit file and decision making when applying for products with Santander and other lenders.