End of credit card payment break
Credit card support
App available to customers with compatible iOS and Android devices and a UK or international mobile number in specific countries. Anytime Banking available to customers with an Ulster account.
If you've had two payment breaks, please refer to the letter we'll send you around 3 weeks before your payments are due to restart for further help and support.
What to do when your payment break is coming to an end
Before your payment break ends we'll send you details of what you need to do. Your payments will start again on your usual payment date.
- If you can afford to pay the minimum monthly payment to your credit card, you can make your next payment as you would normally do.
- If you can't afford to make your next payment, we can help in a number of ways, depending on whether the changes to your financial situation are temporary or more permanent.
- Be sure to go through your options carefully to work out which one is the best one for you, especially as some options may affect your credit file. Additionally, some options mean that you will pay more interest overall.
Please note if you don't take any action, your payments will resume on your usual payment date.
Please remember, failure to make minimum payments, and missing a payment altogether, will likely result in charges and will affect your credit score.
Options to consider
This page covers a range of options which may be applicable for personal customers in different circumstances. Please consider all the options carefully before applying for further support.
Apply for further temporary support
If your finances are temporarily impacted by coronavirus and you can't afford to make your full monthly credit card payments, we're here to help. You can apply for a credit card payment break for a further 3 months and pay £1 or more into your credit card account, based on what you can afford during the break period.
Icon expand Making reduced payments
To make a reduced payment you'll need to apply for a credit card payment break. You can then make payments based on what you can afford during the payment break.
Step 1 - Credit card payment break
When you request a payment break, your monthly payments will be reduced to £1 for 3 months. During this time interest will continue to be applied to the balance, this is likely to result in your balance being higher at the end of your payment break and increase your minimum payments.
Remember that if you have any Instalment Plans on your account, these will be cancelled.
You will still be able to spend on your credit card, as long as you remain within your agreed credit limit during the payment break. Any additional spending will increase your overall balance and interest will be applied on any additional spend.
Your credit file won't be affected by taking a payment break, unless you don't remain within your agreed credit limit. However, lenders may take into account other information when making future lending decisions, including, for example, information provided by applicants or bank account information.
If your next payment is due within 7 days, we can't guarantee we'll have the payment break in place for that payment, but will set it up for the next future payment.
Step 2 - Making reduced payments
If you can afford to pay more, it's important that you do so. You can make additional payments at any stage. Any additional payments will reduce the interest you'll pay on the remaining balance.
There are a number of ways you can pay your credit card. You can make a payment through our mobile app or Anytime Banking. Alternatively, you can make a payment through Telephone Banking by calling the number on the back of your card.
How to apply for a payment break
If you want to apply for a payment break, Cora your digital assistant can help you sort it. Ask Cora via the 'Need Help' button at the right-hand side of the page and quote 'coronavirus credit card' in your message.
Longer term repayment arrangement
If you cannot afford to begin repayments after your Payment Break, we are here to help.You can call us on 0800 161 5905 or 0345 835 4482 (best for mobiles with inclusive minutes). Open Monday to Friday 8am-8pm and Saturday 8am-1pm.
Please be aware that some options may affect your credit file.
Free, confidential and impartial debt and money advice from Advice NI