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Have you received a 'persistent debt' letter?
If you're making minimum payments to your credit card, store card or catalogue account, we can help.
It may be tempting to ignore letters from your lender when you don't feel like you're in debt. However, we'd encourage you to think of your wider financial situation
We recommend you find ways to increase your monthly repayments so you're paying more than the minimum, to pay off your balance faster.
Where you can afford it, you should increase your repayments. If you don’t increase them, your creditor will continue to contact you and may take more serious action. It's important to remember that they want to help you, so we recommend getting in touch with them as soon as possible if you receive a letter.
The timeline below shows what creditors are doing to encourage their customers to increase their repayments.
If you don't contact your creditor, they'll suspend your card or account so you can't use it, but you'll still be charged fees and interest.
Contacting a creditor can feel daunting, but it's important that you get in touch as soon as possible.
If you're wondering how much difference increasing your repayments could make, use our repayment calculator to see the impact of paying more towards your credit card, store card, or catalogue balance each month.
It doesn’t matter how big or small your debt is, if you're worried about money, we’re here to help you.
Use our online debt tool to get free, personalised advice.