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Helpful tips on repaying your credit card

We're here to help

Life can be unpredictable and there may be times when you find yourself struggling to make repayments on your credit card.

To guard against life’s uncertainties, there are some steps you could take to help make things easier (like setting up a Direct Debit or in-app notifications) all described in more detail below.

You’ll also find information on what to do if you can’t make your minimum monthly payment. 

Stay on top of your repayments

Set up a Direct Debit 

No more worries about forgetting a payment. Pay either the minimum amount, a fixed amount, or your full balance every month. You can easily change or cancel the Direct Debit whenever you want. 

Get the NatWest app

Savvy features like payment reminders and budgeting tools designed to help you manage your money better and stay in control. 

Talk to us

Please give us a heads up if you think you’re going to miss a payment. The sooner you reach out, the sooner we could help you get back on track.

Free Financial Health Check 

Our free Financial Health Check focuses on your needs and goals, and could help you make better decisions about your finances, now and in the future.

You can opt for a quick review online or take the time to go more in-depth with one of our highly-trained Senior Personal Bankers.

Missed Payments

Not only can missing payments lead to late fees and interest charges, it may also affect your ability to access credit again in the future.

Credit scoring is a system to help lenders make decisions and assess your application for credit. To find out more about credit scores and how you could maintain and improve yours, read our guide below. 

Free, confidential money advice

As well as speaking to us about your money worries, you may like to get some independent debt advice. We’re partnered with PayPlan (a third-party company) whose friendly service is completely free of charge. They can work with you to put together a personalised action plan to help you get back in control of your finances. 

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