End of credit card payment break | Ulster Bank

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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.

Important information 


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.

We appreciate that you might still be impacted by coronavirus and unable to make your monthly credit card payments. If you are in this situation it is extremely important you contact us before your payment due date outlined on your statement, if you contact us after this date the support options available to you may be limited. The support options available are outlined below.

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


You can apply to extend your credit card payment break and pay £1 or more into your credit card account based on what you can afford during the break period. This extension will last for a maximum of 3 months or until your July statement, whichever is sooner.


Icon expand Extend your payment break

Step 1- Apply to extend your existing payment break

When you request to extend your payment break your monthly minimum payment will be reduced to £1 for a maximum of 3 months or until your July statement, whichever is sooner.

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 which will increase your minimum payments.

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 Online 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 'Help' button in the bottom right corner 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.

Add your signposting title here… Independent support available

If you are struggling with your finances, you can get free debt advice. We partner with PayPlan (a third party company), who can offer you free confidential advice for all of your debts. 

Start your journey with PayPlan

Other independent organisations who can help section

Citizens Advice

Free advice on debt, benefits, housing, legal matters, employment and general consumer advice.

Money Advice Service

Free Money Navigator tool which gives you action plans based on your own situation.

Advice NI

Free, confidential and impartial debt and money advice from Advice NI


Need further support with your finances? 

You can find more help and advice on our struggling financially page. 

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