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Struggling with money?

We know how it feels when you're struggling with your finances and fall behind with your credit card payments. The last thing we want is for you to go through this alone.

Help is at hand. Call 0800 952 4966 (8am-9pm weekdays, 8am-6pm weekends)

Where to start

Money worries can be confusing, but don't worry, you have options. There are 3 steps you should take to avoid late fees and reduce any damage to your credit rating.

1

Understand your financial situation

These useful debt assessment and management tools from StepChange.org will help you get a better understanding of your finances:

2

Find the best solution for you

Take some pressure off by getting more time

If you tell us about your situation, we can help you by giving you more time to get your finances sorted.

Make payments more manageable by spreading them out

A payment plan allows you to:

  • Make monthly payments that are affordable to you
  • Spread payments over a longer period of time
  • Freeze late payment fees, and overlimit fees
  • Have your credit file show that you're doing your best to get back on track

Talk to one of our trained advisors who'll help you find the right solution

0800 952 4966*

If you owe several companies money you should get independent advice

We're not the only people you can speak to. There are not-for-profit organisations that can help you with confidential, free, independent financial advice:

StepChange Debt Charity

DebtRemedy  opens in a new window : In 20 minutes you can get the same advice and support online as you would over the phone:
Freephone 0800 138 1111
http://www.stepchange.org  opens in a new window .

Citizens Advice Bureau

Find your local branch at: www.citizensadvice.co.uk  opens in a new window .

The National Debtline

Freephone 0808 808 4000
www.nationaldebtline.org  opens in a new window

If you’re going through something life changing that’s making your life difficult

If you’re facing problems that are making life difficult, like serious illness or bereavement, you can also speak to specialist organisations to see how they can help:

3

Start your payment solution

It can be tough, but the sooner you start, the sooner you can get back on track. Here are some helpful tips to use on your path to recovery:

  • If you've agreed a plan, set an automatic reminder on your phone or note it on your calendar so you don't forget
  • If after you've agreed a payment plan your financial situation gets worse, call us as soon as possible so we can find a new solution to help get you back on track

* Lines open Monday to Friday 8am - 9pm, Saturday and Sunday - 8am - 6pm. If you're deaf or hard of hearing and use a textphone, you can contact us through the Next Generation Text Service (formerly Typetalk / Text Relay) on 18001 0800 952 5071.

Disclaimer: Capital One takes no responsibility for content that appears on websites outside of owned properties, the content is appropriate and intended to offer support at the time this article was published.