Your Credit Score
Thinking about applying for credit? Check Your Credit Score for free, with no impact on your credit file.
Explore easy ways to make payments online, by phone, in branch and by post.
In addition to fees and charges, you could lose any promotional rates which apply to your account if you miss a payment. In that situation, your standard account interest rates and fees will apply. Missing a payment could also affect your credit score and ability to borrow in future, so it’s important to stay on top of things and manage your account well.
You need to make at least the minimum payment shown on your statement each month, and make sure that it reaches your account by the due date.
If you’re ever experiencing difficulties with making credit card payments, please let us know so we can help. You’ll find information and support at our money worries page, or you can call us on 0345 964 5645. Speak to an adviser 8am – 8pm, seven days a week. Not all Telephone Banking services are available 24 hours a day, seven days a week..
Yes, you can change your payment due date if it would better suit your needs. For example if you usually receive your salary after your credit card payment due date falls.
Using Internet Banking – login or register. From your credit card account summary select ‘More actions’, then ‘Paying your credit card’, then 'Request payment due date change'.
Call us on 0345 964 5645. Speak to an adviser 8am – 8pm, seven days a week. If you call, you’ll need your 16-digit credit card number. Not all Telephone Banking services are available 24 hours a day, seven days a week..
It’s important to be aware that your change may apply to a future payment, rather than your current statement payment, depending on when you make your request.
You may be aware that different interest rates apply to portions of your balance, varying based on transaction type, and whether the standard or any promotional rates apply. Your latest credit card statement includes a summary of the interest rates which apply to your account.
As soon as transactions show on your monthly statements, those with a higher-interest rate will be paid before any lower-rate balances, including any promotional rates that might be finishing soon.
Balances with the same interest rate will be paid off in this order:
For each balance type, the oldest transactions, along with any related fees, charges and insurance, will be repaid first.
You can make additional payments at any time to reduce your balance and any interest costs, but it’s important to understand how interest is charged and when it applies, particularly if you plan to pay off your balance in full.
Because interest is calculated daily and charged to your credit card statement when it’s produced each month, you may need to pay an amount of ‘residual interest’. This covers the interest calculated on your balance in the days between your statement being issued and you making a full statement balance payment.
Note that you can’t overpay to cover any potential residual interest. The amount may vary based on the interest rates which apply to portions of your outstanding balance, so the best thing to do it look out for your next statement and pay any outstanding interest then.
We don’t charge further interest when there’s only interest left to pay.