If you're in persistent debt it means that you've only made minimum payments to your credit card for 18 months or longer and you're paying more in interest, fees and charges than what you've paid towards what you've borrowed.

You'll need to pay off the persistent debt part of your balance over the next 4 years.

What happens if I'm in persistent debt after 36 months?

We'll write or email you to tell you:

  • How much your persistent debt balance is
  • The date your first persistent debt payment needs to be made. It will be more than your usual minimum payment, so that you can start to reduce your balance
  • How to repay. One of the ways you can repay is by setting up or increasing your Direct Debit.

Our letter or email will also let you know that you can no longer use your credit card to withdraw cash and that your card will be blocked if you don't make a payment by the date we give you.

We'll also provide information about organisations that can help with debt advice.


There are 4 main options

1: Log on to Online Banking and make a payment with your debit card

2: Set up a new payee from Online or Mobile Banking and make a payment. Please use these details:

  • Sort code: 09-00-99 Account number: 01000007 - please use your card number as the reference. 

3: Set up a payment from another UK bank or building society using the details in option 2

4: Make cash or cheque payments over the counter in our branches. You'll need your credit card details, to allow 1 working day for cash to clear and 7 working days for cheques to clear.


We'll keep an eye on your account and let you know if you aren't keeping up with payments. If you're still using your card, but not making your monthly payments, we may block your card. 

If you're not sure how much you need to pay, you can call us on 0800 032 8911.

If you'd like to apply for a persistent debt personal loan give us a call on 0800 032 8911, before applying take a look at the Key Facts Document (61 KB) and the Terms and Conditions (2.17 MB)

It's important that you keep up with the payments to clear this balance within 4 years. If you're unable to keep up repayments shown on your letter or email, please call us on

0800 032 8911.

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