Follow these tips:
First, call your credit card issuer and tell them about the problems you’re having. Most credit card providers have trained advisors who will be able to offer you help and information on paying off your debt, and you may be able to negotiate an agreement which will reflect what you can afford.
If you still need help, get in touch with Payplan or the Consumer Credit Counselling Service. These are free, independent money advisers who will contact the card issuer on your behalf to see whether they can consider reduced payments on your account. They may also be able to negotiate interest being suspended and stop any further charges being made on your account.
Free phone: 0800 280 2816
Free phone: 0800 138 1111
Find more detailed information about credit cards at The Money Advice Service
See what extra benefits you might be eligible for and information on how to manage your credit card.
We're committed to helping make paying with your credit card safe.
Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Authorisation can be checked on the Financial Services Register at www.fca.org.ukVisit the Financial Conduct Authority website. Lloyds Bank plc are members of the Financial Services Compensation Scheme and the Financial Ombudsman Service.
Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank Scotland plc. Registered office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland No. SC95237.