Credit or store card payment holiday - please request by 31 October 2020

If your income has been impacted due to the coronavirus outbreak and this is your first payment holiday request for this product, you can register for a 3-month payment holiday on this page. If we agree, we will reduce your monthly minimum payment for 3 months without affecting your credit file.

Can I still get help after 31 October?

Yes, absolutely. Although we won't be offering payment holidays, if your finances are still affected by the pandemic, rest assured we'll still be able to offer alternative options to support you in line with regulatory guidance. We'll update this page with more information shortly, so please watch this space.

In the meantime, if you require free, impartial advice on how to manage your finances during the pandemic, you can visit StepChange.

If you have Personal Loans or Retail Finance Agreements including Buy Now Pay Later and Interest Free Credit, you can request a payment holiday here. If you have Your Plan or Home Improvement Finance Agreements, please follow this link. If you have a Motor Finance Agreement with us, you can register here.

What is a payment holiday?

During the payment holiday you won’t have to pay anything at all. Any promotional periods (e.g. special rates) you have will be unaffected.

If you have been experiencing problems since the beginning of March or expect to have difficulties making your card repayments over the next few months as a result of coronavirus, you can request a payment holiday.

Please be advised that you should continue to make your normal monthly repayment if you can afford to, as this is likely to be in your best long-term interest to do so.

If you were experiencing difficulties before coronavirus and want to get back in touch, visit our customer support page.
 

What if I have already missed my last payment?

You can still request a payment holiday using the form below. We’ll review your request and contact you to confirm if it’s been accepted. If you’re eligible, your payment holiday will start from your previous missed payment and your late fee will be refunded.

What if I can afford to pay some, but not all, of my payment?

If you’re unable to make your full payment, you should request a payment holiday using the form below.

Being on a payment holiday doesn’t mean that you can’t make reduced payments. Where it is affordable, making reduced payments during the payment holiday may shorten the term of the loan or agreement. The reduction of the length of the term will depend on how much you pay.

The simplest way of making a reduced payment is via your Online Account Manager.
 

Will I still be charged interest?

Yes, you’ll continue to be charged interest so it may cost you more and take longer to pay off your balance. 
 

What happens next?

It’s easy to register - just complete the form below and we will process your payment holiday within 10 working days. We will contact you before the payment holiday ends to remind you that the minimum payment calculation will return to normal. 

If you have multiple cards with us, please register each card you would like a payment holiday for; subject to approval.

If you have Personal Loans or Retail Finance Agreements including Buy Now Pay Later and Interest Free Credit, you can request a payment holiday here.

If you have Your Plan or Home Improvement Finance Agreements, please follow this link.

If you have a Motor Finance Agreement with us, you can register here.

If you have an existing payment holiday for this product, we will contact you before it ends to let you know what happens next. Please do not submit another payment holiday request as it will not be approved.

Please complete this form with as much detail as you can. We will use the information provided to locate your records and if required contact you. Reminder: Being on a payment holiday doesn’t mean that you can’t make reduced payments. If your current situation means that you can afford to make reduced payments, this could shorten the time to repay the balance. Information on how to make reduced payments will be provided in your confirmation email. I intend to make reduced payments of £ during my payment holiday. I understand, under the payment holiday terms, I’m under no formal obligation to do so and if my circumstances change, I may change the amount I pay without notice. I do not intend on making any payment during my payment holiday and accept that during the payment holiday period, interest will continue to be charged increasing my balance and that it may take longer to repay. Please complete this form with as much detail as you can. We will use the information provided to locate your records and if required contact you. By ticking this box, you are confirming that you are already experiencing or reasonably expect to experience temporary payment difficulties as a result of coronavirus and that you wish to register for a payment holiday. You also understand, that where appropriate, interest will continue to be charged during the payment holiday.
I confirm the information I have provided is accurate, and when Covid-19 restrictions are lifted, I have every intention of ensuring my finances are brought up to date.

Thank you for contacting us.

Our Team are busy reviewing enquiries, so please don’t call to check, we will be in touch soon.

Many thanks

Customer Service Team

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