Help with credit card debt

If you're starting to worry about credit card debt or experiencing financial difficulties, we're here to help. Find out more information about how we can help you manage your finances.

Top tips for managing your credit card

If you're struggling to manage your credit card, we could help you avoid getting into credit card debt. We've put together some top tips in a handy guide that could help you manage your credit card.

The guide covers:

  • How to keep track of your spending
  • How to manage your credit limit
  • How to manage your credit card online
  • Managing your repayments
  • Managing credit card debt.

Protect yourself online

Banking should always be as safe as possible. We use the latest online security measures to protect your money and your data online but there are also things you must do to prevent fraud.

Find out more information about:

  • Protecting yourself online
  • Keeping your password secure
  • Reporting online fraud
  • Reporting a suspicious email or text message
  • Social media security

Rates, fees and charges explained

There are a number of terms that we use to refer to rates, fees and charges in our credit card products.  If you're unsure about any of the terms we use and how they apply to your account, our guide could help.

The guide cover the following terms:

  • Annual percentage rates
  • Credit card fees
  • Default charges
  • Promotional interest rates
  • Standard interest rates.

Payment disputes

If there's an unrecognised transaction on your credit card statement or you see an unauthorised payment, or you think you've been charged an incorrect amount, we’re here to help.

Find out more information about:

  • Common types of payment disputes
  • How your credit card could help
  • How to check an unrecognised transaction on your credit card statement
  • How to raise a payment dispute on your credit card.

Get help with money worries

There are things you can do if you're starting to experience money worries, talk to us.  We're here to help and support you manage your finances. 

You may need support from us if:

  • You're personal circumstances have changed, for instance if you've been made redundant or you're dealing with a long term illness. 
  • You're behind with payments or worrying about paying bills. 
  • You're using your overdraft up to the limit on a regular basis.

Making sure you get a fair deal

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.