Missed a payment, or worried you cannot pay?

If the payment was missed by mistake

Check whether money has already left your bank account and whether a Direct Debit is pending. If you can afford the payment, follow the provider’s instructions to put things right. Ask about any charge, restriction or effect on a promotion.

Do not assume the consequences are the same on every card, or that paying a day later automatically removes them. Keep the confirmation and any messages from the provider.

If there is not enough money

Look at essential living costs and priority bills before promising an extra card payment. Rent or mortgage arrears, council tax or rates, and some other debts can have more serious consequences than unsecured credit card borrowing. The right priorities depend on your circumstances and where you live in the UK.

What to say to the provider

You can keep the first conversation short. For example: “I cannot afford the payment due on [date]. My income has changed and I need to discuss support. Please explain the options and how they would affect my account.” This is a suggested starting point, not a script you have to follow.

Have your latest statement and an outline of income and essential costs nearby. If you do not know what you can afford, say so. Ask for time to get advice rather than agreeing to a figure under pressure.

Questions worth asking

A support arrangement can affect more than this month’s payment. Ask for the details in writing so you can read them afterwards.

• Will interest or fees continue, change or be paused?
• What payment is proposed, and for how long?
• How will the arrangement be reported to credit reference agencies?
• Will I still be able to use the card?
• When will we review the arrangement?

Get help with the whole picture

MoneyHelper’s debt advice locator helps you find free, confidential support online, by telephone or in person. You do not have to wait until every bill is overdue. If there are several debts, an adviser can help you consider them together.

Make the next step manageable

If a phone call feels difficult, check written contact options or ask someone you trust to sit with you. Note who you contacted and when. One useful message sent today is a workable start; you do not have to organise every document first.