We’ll send you a letter or email to tell you how you can repay your balance quicker and avoid paying more in interest and fees.
18 months:
- We’ll get in touch to say you’ve been in persistent debt for 18 months and recommend you pay more
- We’ll clearly explain the recommended amount you should pay to avoid going back into persistent debt
27 months:
- We’ll send a reminder 9 months later to update you on your progress
- If you’re still in persistent debt, we’ll explain what payments you need to make
- We’ll highlight the support available and encourage you to get in touch to discuss your options
36 months:
- If you remain in persistent debt, we’ll ask you to contact us so we can offer more support and help you repay your balance quicker.
- This could be a repayment plan and we may suspend your card to stop your balance increasing