How to pay your credit card

You can make payments to your credit card account at any time, but you need to pay at least the minimum amount shown on your statement each month by the payment due date to avoid being charged a late payment fee.

If you can't pay the whole statement balance, it's a good idea to pay as much as you can. This can help to keep any interest costs down.

If you only make the minimum payment each month, it'll take longer and cost you more to pay off your balance.

If you pay late or miss a payment, you may have to pay a late payment fee. You could also lose any promotional offers you have, and it could damage your credit score.

Set up a regular direct debit payment and we’ll automatically claim your selected payment amount when it’s due. 

If a direct debit isn’t taken for 37 months, it will become inactive. Your bank or building society will remove the details from their systems. If this happens, you’ll need to set up a new one.

You can make payments in several ways. You can use a bank account, a debit card, or a cheque. You can also pay with cash at a branch. You can choose to do this instead of a direct debit or in addition to it.

If you choose to make one-off payments, just make sure that the method you use will get your payment to us on time. 

Different rates of interest could apply to different parts of your balance, and whether the standard variable rate or a promotional rate applies. 

What's your standard variable rate?

Your standard variable rate is the rate of interest you pay when you have no promotional offers in place. It’s also the rate you’d go back to paying after a promotional rate ends. You can find your current standard variable rates on your monthly statement.

Find out more about interest rates

What's a promotional rate?

We offer promotional rates for a fixed period of time. For example, a 0% offer rate or a rate lower than your standard interest rate.

Find out more about promotional interest rates

You can check the rates that apply to your account balance on your latest credit card statement. You can view your latest statement using online banking, the mobile banking app, or on your latest printed statement if you receive them. 

You can change your payment due date to better suit your needs. For example, if you usually receive your salary later than your due date falls.

The fastest way to do this is through the mobile banking app or online banking on a laptop or desktop computer.

In the app, from your credit card account summary, select the three dot menu. Then scroll to 'Change payment due date' to begin.

To use online banking, log in or register to get started. From your credit card account summary, select 'More actions', then 'Paying your credit card'. Here, select 'Request payment due date change'.

Just be aware, your change may apply to a future payment, rather than the next one, depending on when you make your request.

When setting up a direct debit, you can choose to make the minimum payment, clear the full balance or set a fixed amount.

You can make extra 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, especially if you’re planning to pay off your balance in full. 

We work out interest daily. It's charged to your credit card statement when it's produced each month. You might need to pay an amount of residual interest. It’s a little complicated, so we’ve created a short guide to explain paying your credit card balance in full.