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You might get a letter from your credit card company offering you a repayment plan. They’ll do this if you've been paying off your debt for 36 months or more. The letter will explain how you can pay off your debt in 4 years. If you don't agree to the plan, your credit card company will stop your card.
- How Credit Cards Work
Credit cards are issued by banks, finance companies, and...
- How Credit Cards Work
Go to www.nationaldebtline.org for information, resources and webchat, or call National Debtline on 0808 808 4000, Monday to Friday 9am to 8pm. Advice UK is the UK's largest support network for free, independent advice centres.
Aug 1, 2024 · There is plenty of free and independent advice for people struggling with debt. National Debtline offers mainly telephone-based free advice, and it runs a free online service called My Money Steps. Face-to-face advice is provided by Citizens Advice and Citizens Advice Scotland.
Everything you need to know about persistent debt letters and how the new credit card rules could impact your repayments. Tackle long-term credit card debt with the help of MoneySavingExpert.
- Overview
- National Debtline
- Citizens Advice
- PayPlan
- Community Money Advice
- StepChange Debt Charity
- MoneyPlus Advice
- Money Wellness
- Debt Advice Foundation
Get free, confidential and independent advice on dealing with debt problems.
This list covers UK-wide organisations and ones based in England and Wales. Find out about debt advice in Scotland or debt advice in Northern Ireland.
National Debtline offers phone and webchat services in England and Wales.
Telephone: 0808 808 4000
Monday to Friday, 9am to 8pm
Saturday, 9:30am to 1pm
Citizens Advice offers phone and webchat services. They also have advice centres in England, Wales and Scotland.
Telephone (England): 0800 144 8848
Telephone (Wales): 0800 702 2020
Telephone (Scotland): 0800 028 1456
Webchat service
Monday to Friday, 8am to 7pm
PayPlan offers phone and webchat services.
Telephone: 0800 280 2816
Monday to Friday, 8am to 8pm
Saturday, 9am to 3pm
Community Money Advice offers phone, email and face to face services in England, Wales and Scotland.
Find a Community Money Advice centre in your area.
StepChange Debt Charity offers phone and online services.
Telephone: 0800 138 1111
Monday to Friday, 8am to 8pm
Saturday, 8am to 4pm
MoneyPlus Advice offers phone and email services. They also have an online debt advice service.
Telephone: 0161 837 4754
Monday to Thursday, 8am to 8pm
Friday, 8am to 4pm
Money Wellness offers phone services.
Telephone: 0161 518 8282
Monday to Friday, 9am to 8pm
Find out about call charges
Debt Advice Foundation offers phone and webchat services.
Telephone: 0800 043 40 50
Monday to Friday, 8am to 6pm
Find out about call charges
If you've received a letter asking you to pay more on your credit card, see our Persistent debt guide for specific help. If you've support needs that make managing your outgoings challenging, see if Experian's Support Hub can help.
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Standard Chartered Bank CardNet. Fields marked * are mandatory. Please enter your 16-digit Standard Chartered Bank Credit Card number or Credit Card Account Number / Flexi Loan account number and payment amount. Choose your bank Account and click on 'Pay Now'.