We've searched high and low to find the credit card support available for you during the Coronavirus crisis. We will continue to update this blog as and when we source more support or update existing. We've also gathered the support available for car finance and mortgages.
Last updated 23/04/2020
Coronavirus Relief Policy
You may be able to apply for a payment holiday, though there are other options available as well to support customers. The best thing is to discuss your situation with the American Express team.
Make contact through the ‘Message Us’ service on the Amex App, the live chat on your online account, or by calling the number on the back of your card.
You can apply for a three month payment holiday , or if you have received a refund to your credit card you can request a transfer directly into your bank account.
Apply for a payment holiday on Barclaycard's website.
To request a credit balance refund visit Barclaycard's website.
You can apply for a three month payment holiday through your online account. If you’ve had a letter saying you’re in persistent debt, you now have until October 1st to get in touch with Capital One about it.
For more support and information on how to make payments during this time, visit Capital One's Money Worries page.
You can apply for a three month payment holiday. If your payment is due now and you cannot make it, you will not be charged late fees.
You can also increase your credit card limit online.
To ask for a credit card payment holiday, visit the Halifax website.
You can request a three month payment holiday. If you pay by direct debit, payments will not be collected during this time, however if you pay by standing order, you will need to cancel this.
HSBC may be able to offer additional support if you think your financial difficulty is likely to continue.
For more information on payment holidays, visit HSBC's website.
You can ask for a three month payment holiday, and when you do so you won’t be charged for any payments you may have already missed.
You can also request a credit limit increase through online banking by visiting “other services” and selecting “Manage Credit Limit”.
To ask for a payment holiday visit Lloyds website.
|MBNA||You can ask for a three month payment holiday, and you won’t be charged for any payments you may have already missed.|
You can also request a credit limit increase through online services by selecting “manage credit limit”.
To ask for a payment holiday, visit MBNA's website here.
|Sainsbury's Bank||You can apply for a temporary payment freeze. If you’re payment is due soon and you haven’t already missed a payment, you can apply online.|
To find out more about Sainsbury's Bank payment freezes, visit their website.
|Santander||From April 6th, if you were previously up to date with monthly payments, you can now apply for a three month payment holiday. There will also be a promotions 0% interest period after the crisis.|
Santander is also stopping all charges for late payments and cash advances on credit cards.
Unfortunately, if you missed payments prior to the crisis, you are not able to apply for a payment holiday online at this time.For more information visit Santander's website.
To apply for a payment holiday click here.
|Tesco Bank||You can request a three month payment break online. If you submit your application right after missing a payment, that missed payment can be counted as the first in your payment break. You can continue to use your credit card during this time. You’ll still be charged interest, but fines and fees will not be charged.|
If you’ve already missed a payment, call 0345 671 0677 for support.
You can request a payment break on Tesco Bank's website.
|Virgin Money||You can apply for a three month payment holiday, though you will have to continue making the minimum payments on your card until the holiday is confirmed.|
Apply for a payment holiday on Virgin Money's website.