Struggling To Pay Credit Card Bills?

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<span class="aem-nav-button__text">Add a cardholder </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/alerts"> <span class="aem-nav-button__text">Set up email and text alerts </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/change-personal-information"> <span class="aem-nav-button__text">Change your personal information</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/change-credit-limit"> <span class="aem-nav-button__text">Change your credit limit </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/view-pin"> <span class="aem-nav-button__text">View your PIN</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/online-account-servicing-a2z"> <span class="aem-nav-button__text">Online account servicing A-Z</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/servicing-updates"> <span class="aem-nav-button__text">Latest updates to your online account</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button type="button" class="aem-nav-button aem-nav-button--primary aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Your billing and payments </span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--level-3 aem-navigation--column" aria-hidden="true" aria-label="Submenu"> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/pay-your-bill"> <span class="aem-nav-button__text">Pay your bill</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/view-statements"> <span class="aem-nav-button__text">View your statements</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/billing-and-payments/change-due-date"> <span class="aem-nav-button__text">Change your payment due date</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/know-your-rights"> <span class="aem-nav-button__text">Protecting your purchases</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/billing-and-payments/missed-payment"> <span class="aem-nav-button__text">Missed payment</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button type="button" class="aem-nav-button aem-nav-button--primary aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Transfers and offers</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--level-3 aem-navigation--column" aria-hidden="true" aria-label="Submenu"> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/lending-guide"> <span class="aem-nav-button__text">Transfer and offers guide</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/transfer-balance"> <span class="aem-nav-button__text">Transfer a credit card balance to your Barclaycard</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="https://www.barclaycard.co.uk/personal/customer/money-transfer"> <span class="aem-nav-button__text">Money transfers</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/instalment-plan"> <span class="aem-nav-button__text">Instalment plans</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button type="button" class="aem-nav-button aem-nav-button--primary aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Barclaycard benefits</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--level-3 aem-navigation--column" aria-hidden="true" aria-label="Submenu"> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/barclaycard-cashback-rewards"> <span class="aem-nav-button__text">Barclaycard Cashback rewards</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/barclaycard-entertainment"> <span class="aem-nav-button__text">Barclaycard Entertainment</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/know-your-rights"> <span class="aem-nav-button__text">Purchase protection</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/spending-abroad"> <span class="aem-nav-button__text">Using your card abroad</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/contactless"> <span class="aem-nav-button__text">Pay your way</span> </a> </div> </div> </li> </ul> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-1"> <div class="aem-nav-item"> <div class="aem-nav-item__head aem-nav-item__head--level-1 aem-nav-item__head--has-children"> <button class="aem-nav-button aem-nav-button--full-width aem-nav-button--text aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false" type="button"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Help & support</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--level-2" aria-hidden="true" aria-label="Submenu"> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button type="button" class="aem-nav-button aem-nav-button--primary aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Help with your Barclaycard</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--level-3 aem-navigation--column" aria-hidden="true" aria-label="Submenu"> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/lost-stolen-damaged-cards"> <span class="aem-nav-button__text">Lost, stolen and damaged cards </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/forgotten-log-in-details"> <span class="aem-nav-button__text">Forgotten your login details?</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/emergency-card-replacement"> <span class="aem-nav-button__text">Emergency card replacement </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/credit-card-charges"> <span class="aem-nav-button__text">Credit card charges</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/spending-abroad"> <span class="aem-nav-button__text">Spending abroad</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/help-with-your-barclaycard/insurance"> <span class="aem-nav-button__text">Insurance</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/help-with-your-barclaycard/bereavement-guide"> <span class="aem-nav-button__text">Bereavement guide</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button type="button" class="aem-nav-button aem-nav-button--primary aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Money worries</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--level-3 aem-navigation--column" aria-hidden="true" aria-label="Submenu"> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/billing-and-payments/missed-payment"> <span class="aem-nav-button__text">Missed payments</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/job-loss"> <span class="aem-nav-button__text">Job loss</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/bereavement"> <span class="aem-nav-button__text">Bereavement</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div 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href="/personal/help-and-support/jargon-buster"> <span class="aem-nav-button__text">Jargon buster </span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--full-width aem-nav-button--icon-right" href="/personal/contact-us"> <span class="aem-nav-button__text">Contact us</span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--full-width aem-nav-button--icon-right" href="/personal/help"> <span class="aem-nav-button__text">Help centre / FAQs</span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div 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7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Get Credit Confident </span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--level-2" aria-hidden="true" aria-label="Submenu"> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button type="button" class="aem-nav-button aem-nav-button--primary aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Credit card basics</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--level-3 aem-navigation--column" aria-hidden="true" aria-label="Submenu"> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/advantages-of-credit-card"> <span class="aem-nav-button__text">Why get a credit card?</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small 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repayments</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/money-matters/how-do-credit-cards-work/what-is-a-credit-card-apr"> <span class="aem-nav-button__text">Understanding credit card APR</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button type="button" class="aem-nav-button aem-nav-button--primary aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Understanding credit scores</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--level-3 aem-navigation--column" aria-hidden="true" aria-label="Submenu"> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/money-matters/credit-score-basics"> <span class="aem-nav-button__text">Credit score basics</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div 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href="/personal/money-matters/credit-score-basics/what-are-the-causes-of-a-bad-credit-rating"> <span class="aem-nav-button__text">What is bad credit?</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/improving-credit-score"> <span class="aem-nav-button__text">Improving your credit score</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/money-matters/credit-score-basics/the-truth-about-your-credit-rating-seven-common-myths-busted"> <span class="aem-nav-button__text">The truth about your credit score: 6 common myths busted </span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button type="button" class="aem-nav-button aem-nav-button--primary aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Understanding interest</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--level-3 aem-navigation--column" aria-hidden="true" aria-label="Submenu"> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/your-cash-interest-rates-and-fees"> <span class="aem-nav-button__text">Interest rates, balances and fees </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/interest-calculator"> <span class="aem-nav-button__text">Interest calculator</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/base-rate-tracking"> <span class="aem-nav-button__text">How the Bank of England base rate affects interest</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/promotional-rates"> <span class="aem-nav-button__text">Promotional interest rates</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/compound-interest"> <span 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class="aem-nav-item__head aem-nav-item__head--level-2"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/eligibility-checker"> <span class="aem-nav-button__text">Check your eligibility</span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/credit-building-cards"> <span class="aem-nav-button__text">Cards for building your credit history</span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/amazon-barclaycard"> <span class="aem-nav-button__text">Amazon rewards credit card</span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/avios"> <span class="aem-nav-button__text">Avios credit cards</span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/purchase-credit-cards"> <span class="aem-nav-button__text">Cards for purchases</span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/rewards-credit-cards"> <span class="aem-nav-button__text">Cards for earning rewards </span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/balance-transfer-credit-cards"> <span class="aem-nav-button__text">Cards for making balance transfers</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation--sidebar aem-navigation__item--level-1"> <div class="aem-nav-item aem-nav-item--sidebar" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-1 aem-nav-item__head--has-children"> <button type="button" class="aem-nav-button aem-nav-button--primary aem-nav-button--full-width aem-nav-button--icon-right" aria-expanded="false"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Manage your account</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--sidebar aem-navigation--level-2" aria-hidden="true"> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer"> <span class="aem-nav-button__text">Existing customer homepage</span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false" type="button"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Getting started with your card</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--sidebar aem-navigation--level-3 aem-navigation--column" aria-hidden="true"> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/barclaycard-app"> <span class="aem-nav-button__text">Download the Barclaycard app</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/register-online-account"> <span class="aem-nav-button__text">Register for an online account </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/activate-new-barclaycard"> <span class="aem-nav-button__text">Activate your card</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false" type="button"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Managing your account online</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--sidebar aem-navigation--level-3 aem-navigation--column" aria-hidden="true"> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/additional-cardholder"> <span class="aem-nav-button__text">Add a cardholder </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/alerts"> <span class="aem-nav-button__text">Set up email and text alerts </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/change-personal-information"> <span class="aem-nav-button__text">Change your personal information</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/change-credit-limit"> <span class="aem-nav-button__text">Change your credit limit </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/view-pin"> <span class="aem-nav-button__text">View your PIN</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/online-account-servicing-a2z"> <span class="aem-nav-button__text">Online account servicing A-Z</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/servicing-updates"> <span class="aem-nav-button__text">Latest updates to your online account</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false" type="button"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Your billing and payments </span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--sidebar aem-navigation--level-3 aem-navigation--column" aria-hidden="true"> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/pay-your-bill"> <span class="aem-nav-button__text">Pay your bill</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/view-statements"> <span class="aem-nav-button__text">View your statements</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/billing-and-payments/change-due-date"> <span class="aem-nav-button__text">Change your payment due date</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/know-your-rights"> <span class="aem-nav-button__text">Protecting your purchases</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/billing-and-payments/missed-payment"> <span class="aem-nav-button__text">Missed payment</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false" type="button"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Transfers and offers</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--sidebar aem-navigation--level-3 aem-navigation--column" aria-hidden="true"> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/lending-guide"> <span class="aem-nav-button__text">Transfer and offers guide</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/transfer-balance"> <span class="aem-nav-button__text">Transfer a credit card balance to your Barclaycard</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="https://www.barclaycard.co.uk/personal/customer/money-transfer"> <span class="aem-nav-button__text">Money transfers</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/instalment-plan"> <span class="aem-nav-button__text">Instalment plans</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false" type="button"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Barclaycard benefits</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--sidebar aem-navigation--level-3 aem-navigation--column" aria-hidden="true"> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/barclaycard-cashback-rewards"> <span class="aem-nav-button__text">Barclaycard Cashback rewards</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/barclaycard-entertainment"> <span class="aem-nav-button__text">Barclaycard Entertainment</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/know-your-rights"> <span class="aem-nav-button__text">Purchase protection</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/spending-abroad"> <span class="aem-nav-button__text">Using your card abroad</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/contactless"> <span class="aem-nav-button__text">Pay your way</span> </a> </div> </div> </li> </ul> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation--sidebar aem-navigation__item--level-1"> <div class="aem-nav-item aem-nav-item--sidebar" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-1 aem-nav-item__head--has-children"> <button type="button" class="aem-nav-button aem-nav-button--primary aem-nav-button--full-width aem-nav-button--icon-right" aria-expanded="false"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Help & support</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--sidebar aem-navigation--level-2" aria-hidden="true"> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false" type="button"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Help with your Barclaycard</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--sidebar aem-navigation--level-3 aem-navigation--column" aria-hidden="true"> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/lost-stolen-damaged-cards"> <span class="aem-nav-button__text">Lost, stolen and damaged cards </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/forgotten-log-in-details"> <span class="aem-nav-button__text">Forgotten your login details?</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/emergency-card-replacement"> <span class="aem-nav-button__text">Emergency card replacement </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/credit-card-charges"> <span class="aem-nav-button__text">Credit card charges</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/spending-abroad"> <span class="aem-nav-button__text">Spending abroad</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/help-with-your-barclaycard/insurance"> <span class="aem-nav-button__text">Insurance</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/help-with-your-barclaycard/bereavement-guide"> <span class="aem-nav-button__text">Bereavement guide</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width aem-nav-button--icon-right" href="/personal/customer/money-worries"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Money worries</span> </a> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--sidebar aem-navigation--level-3 aem-navigation--column" aria-hidden="true"> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/billing-and-payments/missed-payment"> <span class="aem-nav-button__text">Missed payments</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/job-loss"> <span class="aem-nav-button__text">Job loss</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/bereavement"> <span class="aem-nav-button__text">Bereavement</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/accident"> <span class="aem-nav-button__text">Accident</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/mental-health"> <span class="aem-nav-button__text">Mental health</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/carer"> <span class="aem-nav-button__text">Support for carers</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/illness"> <span class="aem-nav-button__text">Illness</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/separated"> <span class="aem-nav-button__text">Separation and divorce</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/addiction"> <span class="aem-nav-button__text">Addiction</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/student-debt"> <span class="aem-nav-button__text">Student debt</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/no-budget"> <span class="aem-nav-button__text">Budget problems</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/reduced-income"> <span class="aem-nav-button__text">Reduced income</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/customer/report-fraud"> <span class="aem-nav-button__text">Report fraud</span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/help-and-support/jargon-buster"> <span class="aem-nav-button__text">Jargon buster </span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/contact-us"> <span class="aem-nav-button__text">Contact us</span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="/personal/help"> <span class="aem-nav-button__text">Help centre / FAQs</span> </a> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2"> <a class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width" href="https://www.barclays.co.uk/loans/ways-to-borrow"> <span class="aem-nav-button__text">Ways to borrow</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation--sidebar aem-navigation__item--level-1"> <div class="aem-nav-item aem-nav-item--sidebar" data-aem-js="navItem"> <div class="aem-nav-item__head aem-nav-item__head--level-1 aem-nav-item__head--has-children"> <button type="button" class="aem-nav-button aem-nav-button--primary aem-nav-button--full-width aem-nav-button--icon-right" aria-expanded="false"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Get Credit Confident </span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--sidebar aem-navigation--level-2" aria-hidden="true"> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false" type="button"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Credit card basics</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--sidebar aem-navigation--level-3 aem-navigation--column" aria-hidden="true"> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/credit-cards/advantages-of-credit-card"> <span class="aem-nav-button__text">Why get a credit card?</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/money-matters/how-do-credit-cards-work"> <span class="aem-nav-button__text">How do credit cards work?</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/money-matters/how-do-credit-cards-work/what-should-i-use-my-credit-card-for"> <span class="aem-nav-button__text">What to use your credit card for </span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/money-matters/budgeting/how-can-I-manage-my-credit-repayments"> <span class="aem-nav-button__text">How to manage your credit repayments</span> </a> </div> </div> </li> <li class="aem-navigation__item"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-3"> <a class="aem-nav-button aem-nav-button--secondary aem-nav-button--small aem-nav-button--full-width" href="/personal/money-matters/how-do-credit-cards-work/what-is-a-credit-card-apr"> <span class="aem-nav-button__text">Understanding credit card APR</span> </a> </div> </div> </li> </ul> </div> </div> </li> <li class="aem-navigation__item aem-navigation__item--level-2"> <div class="aem-nav-item aem-nav-item--sidebar"> <div class="aem-nav-item__head aem-nav-item__head--level-2 aem-nav-item__head--has-children"> <button class="aem-nav-button aem-nav-button--primary aem-nav-button--small aem-nav-button--full-width aem-nav-button--icon-right" aria-haspopup="true" aria-expanded="false" type="button"> <span class="aem-nav-button__media"> <svg class="m-button__icon aem-nav-item__button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 94.8 52.7" focusable="false"> <path d="M43.7 51.2L1.5 9c-2.1-2.1-2.1-5.4 0-7.5S6.9-.6 9 1.5l42.2 42.2c2.1 2.1 2.1 5.4 0 7.4s-5.4 2.1-7.5.1z"></path> <path d="M51.1 51.2c-2.1 2.1-5.4 2.1-7.4 0s-2.1-5.4 0-7.4L85.8 1.5c2.1-2.1 5.4-2.1 7.4 0s2.1 5.4 0 7.4L51.1 51.2z"></path> </svg> </span> <span class="aem-nav-button__text">Understanding credit scores</span> </button> </div> <div class="aem-nav-item__body"> <ul class="aem-navigation aem-navigation--sidebar aem-navigation--level-3 aem-navigation--column" aria-hidden="true"> <li class="aem-navigation__item"> <div 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Paying Bills With A Pay Cut</h1> </div> </div> </div>  <section class="jumbo jumbo-short " data-component-type="HeroBanner"> <picture> <source srcset="/content/dam/barclaycard/images/personal/existing-customers/hero-images/mira-3_1.large.medium_quality.jpg" media="(min-width: 1024px)"/> <source srcset="/content/dam/barclaycard/images/personal/existing-customers/hero-images/mira-3_1.small.medium_quality.jpg" media="(min-width: 768px)"/> <source srcset="/content/dam/barclaycard/images/personal/existing-customers/hero-images/mira-16_9.xsmall.medium_quality.jpg" media="(min-width: 480px)"/> <source srcset="/content/dam/barclaycard/images/personal/existing-customers/hero-images/mira-16_9.xxsmall.medium_quality.jpg"/> <img class="jumbo-media" data-object-fit alt="" src="/content/dam/barclaycard/images/personal/existing-customers/hero-images/mira-3_1.large.medium_quality.jpg" fetchpriority="high"/> </picture> <div class="jumbo-body"> <div class="container-fluid"> <div class="row"> <div class="col-xsm-12 col-sm-6"> <div class="jumbo-overlay "> <div class="h-pull-left"> <span class="jumbo-overlay-icon" aria-hidden="true"></span> </div> <div class="jumbo-overlay-content "> <div class="jumbo-overlay-body"> <div> <h2>Mira took a pay cut to keep her job</h2> <h3>Now it's suddenly much harder to make ends meet</h3> </div> </div> </div> </div> </div> </div> </div> </div> </section>  <div class="container-fluid"> <div class="row"> <div class="main col-md-9 col-sm-12"> <div class="row "> <div class="col-md-12" data-component-type="Column1"> <div class="article-snippet shaded"> <div class="media"> <div class="media-body"> <div class="article-snippet-bd cms-content"> <div> <div> <h2>Mira's story</h2> <p>It was difficult enough accepting a pay cut from her employer, but after the first month Mira realised her income no longer covered her outgoings. So the credit card repayments she'd budgeted for suddenly looked impossible to pay without missing other bills like her rent and Council Tax.</p> <p>As a single mother, Mira was becoming more and more concerned that she would have to start making cuts on the things her kids were used to. With life at work now going from bad to worse, she couldn't even plan ahead. By this point:</p> <ul> <li><span class="unindented">Mira was fast approaching her credit limit trying to cover the weekly shop</span></li> <li><span class="unindented">she didn’t want to borrow more, but she felt like there was no alternative</span></li> <li><span class="unindented">panicking, she had stopped opening her credit card bills</span></li> </ul> <p>Meanwhile, rumours at work suggested Mira might soon be out of a job altogether. She'd always been very careful with her finances, but she hadn't foreseen losing her income like this. She had no idea what to do next.</p> </div> </div> <div> </div> </div> </div> </div> </div> </div> </div> <div class="row "> <div class="col-md-12" data-component-type="Column1"> <div class="article-snippet shaded"> <div class="media"> <div class="media-body"> <div class="article-snippet-bd cms-content"> <div> <div> <h2>How Barclaycard helped</h2> <p>Mira was beginning to dread her bills, and soon she knew the phone would start ringing with lenders chasing payments. Not knowing where to turn or what to do, she rang us and got through to one of our support team, John.</p> <ul> <li><span class="unindented"> John gave Mira time to explain things in her own words and wasn't judgemental or demanding, as Mira had feared</span></li> <li><span class="unindented">Together they created a plan for Mira to make affordable payments while she looked for a different job. John explained what information he needed, as well as how it would affect Mira's credit score and what could be done to help</span></li> <li><span class="unindented">He checked that Mira knew she could access her <a href="https://bcol.barclaycard.co.uk/ecom/as2/initialLogon.do" title="Access your Barclaycard account online">Barclaycard account online</a> or via the <a title="Find out more about the Barclaycard app" href="/personal/customer/barclaycard-app">Barclaycard app</a> to make debit card payments, <a title="Find out more about changing your payment due date" href="https://www.barclaycard.co.uk/personal/customer/change-payment-due-date">change payment due dates</a> and, when she could afford to, <a title="Find out how to set up a direct debit payment in your Barclaycard online account" href="/personal/customer/pay-your-bill">set up a Direct Debit</a></span></li> <li><span class="unindented">He also advised that there is free help and advice available to her (we’ve included links in the ‘Other ways to get help’ section below), and that she should also check out the government website for information and guidance on the following:</span></li> <li><span class="nav-list"><a title="View government website, opens in new window, third party site" href="https://www.gov.uk/government/publications/guidance-to-employers-and-businesses-about-covid-19/covid-19-guidance-for-employees" target="_blank">Guidance for employees</a></span></li> <li><span class="nav-list"><a title="View government website, opens in a new window, third party site" href="https://www.gov.uk/redundancy-your-rights" target="_blank">Redundancy: your rights</a></span></li> </ul> <p><strong>Having never been in this situation before, Mira was embarrassed and didn't want to contact Barclaycard at first. But after speaking to John, she felt like she was getting back in control of her finances and that things wouldn't be so bad.</strong></p> </div> </div> <div> </div> </div> </div> </div> </div> </div> </div> <div class="row "> <div class="col-md-12" data-component-type="Column1"> <div class="article-snippet shaded"> <div class="media"> <div class="media-body"> <div class="article-snippet-bd cms-content"> <div> <div> <h2>Does your story sound like Mira's?</h2> <p>A sudden change in your financial situation can make you feel like you’ve lost control, even if you’re trying your best and have done nothing wrong. Jobs and income can change at any time – usually without warning, and can have serious financial consequences.</p> <p><strong>But you’re not alone.</strong></p> </div> </div> <div> </div> </div> </div> </div> </div> </div> </div> <div class="row "> <div class="col-md-12" data-component-type="Column1"> <div class="article-snippet shaded"> <div class="media"> <div class="media-body"> <div class="article-snippet-bd cms-content"> <div> <div> <h2>You're not alone - we're here to help</h2> <p>We know your debts aren't going to disappear on their own, but we really can help. If you get in touch, we'll ask you about your income and outgoings so you can feel confident you're only repaying what you can really afford. And your priority payments – Council Tax, rent/mortgage repayments and household bills – will always come first.</p> <p>It's probably the last thing you want to do, but giving us a call won’t make anything worse. We won't spring any surprises on you; our advisers are here to listen, understand and agree a solution with you – not demand payments you can’t afford.</p> <p>You can rest assured, we’ll ask your permission before we do anything and check how you feel about your other finances.</p> <p>We'll try to provide you with help that’s clear, practical and easy to understand. Also, we'll advise you where to find free and independent help.</p> </div> </div> <div> </div> </div> </div> </div> </div> </div> </div> <div class="row shaded"> <div class="col-md-12" data-component-type="Column1"> <div> <h2>Get in touch to find out how we can help</h2> </div> </div> </div> <div class="row shaded"> <div class="col-sm-6" data-component-type="Column1"> <div class="article-snippet shaded" data-component-type="articleSnippet"> <div class="media"> <div class="h-pull-left"> <span class="icon icon-telephone icon-64" aria-hidden="true"></span> </div> <div class="media-body"> <div class="article-snippet-bd cms-content"> <div> <div> <h3>Talk to us on the phone</h3> <p>As soon as you think you might be facing financial difficulties, give us a call. It could make things much easier.</p> <p>Before you pick up the phone, it’s a good idea to jot down some notes about your income and spending. And set some time aside – we’ll want to understand your situation in detail, so you might be talking for a while.</p> <h4>Worried you’ll miss a payment?</h4> <p>Call us on 0800 056 1411.</p> <h4>Missed a payment and want to catch up?</h4> <p>If you’ve missed a payment on your Barclaycard, you might be able to pay it using the <a href="https://www.barclaycard.co.uk/personal/customer/barclaycard-app" target="_self">Barclaycard app</a>.</p> <p>Alternatively, call us on 0800 161 5205.</p> <p>Both lines are open Monday to Friday 8am to 9pm, Saturday and Sunday 9am to 9pm.</p> <p>Calls to 0800 numbers are free from UK landlines. Mobile charges may vary. <a href="https://www.barclaycard.co.uk/personal/call-charges" target="_self">Find out more about call charges</a>.</p> </div> </div> <div> </div> </div> </div> </div> </div> </div> <div class="col-sm-6" data-component-type="Column2"> <div class="article-snippet shaded"> <div class="media"> <div class="media-body"> <div class="article-snippet-bd cms-content"> <div> <div> <h3>You can also:</h3> <p><strong>Use the Barclaycard app</strong></p> <p>Send us a message from the 'Help' section of the <a title="Barclaycard app" href="https://www.barclaycard.co.uk/personal/customer/barclaycard-app">Barclaycard app</a>. It's secure and You don’t have to wait for our reply, just log back in when you’re ready to see if we've replied.</p> <p>You need to be 18 or over to use the app. T&Cs apply.</p> </div> </div> <div> </div> </div> </div> </div> </div> </div> </div> <div class="row "> <div class="col-md-12" data-component-type="Column1"> </div> </div> <div class="row shaded"> <div class="col-md-12" data-component-type="Column1"> <div> <h2>Other ways you can get help</h2> </div> <div class="row shaded"> <div class="col-md-12" data-component-type="Column1"> <div> <p>If you're struggling with a few different debts or money worries in general, there are organisations that may be able to help:</p> </div> <div class="article-snippet article-summary " data-component-type="articleSnippet"> <div class="media"> <div class="h-pull-right"> <img data-src="/content/dam/barclaycard/images/personal/existing-customers/snippet_images/StepChange-logo-small.jpg" alt="" class="lazy"/> </div> <div class="media-body"> <div class="article-snippet-bd cms-content"> <div> </div> <div> <div> <p><a href="https://moneyhealthcheck.stepchange.org/barclaycard/start" title="Visit StepChange website, opens in a new window, third party site" target="_blank">StepChange</a> is the UK's largest provider of genuinely free independent debt advice and managed solutions, helping almost 600,000 people a year resolve problems, repay debts and rebuild lives.</p> </div> </div> </div> </div> </div> </div> <div class="article-snippet article-summary " data-component-type="articleSnippet"> <div class="media"> <div class="h-pull-right"> <img data-src="/content/dam/barclaycard/images/personal/existing-customers/snippet_images/NationalDebtLineLogo.jpg" alt="" class="lazy"/> </div> <div class="media-body"> <div class="article-snippet-bd cms-content"> <div> </div> <div> <div> <p>The <a title="Visit National Debtline website, opens in a new window, third party site" href="https://www.nationaldebtline.org/" target="_blank">National Debtline</a> offers free independent support for advice on how to deal with your debts, including live online webchat with a National Debtline advisor.</p> </div> </div> </div> </div> </div> </div> <div class="article-snippet article-summary " data-component-type="articleSnippet"> <div class="media"> <div class="h-pull-right"> <img data-src="/content/dam/barclaycard/images/personal/existing-customers/snippet_images/money-helper-barclaycard-small.png" alt="" class="lazy"/> </div> <div class="media-body"> <div class="article-snippet-bd cms-content"> <div> </div> <div> <div> <p><a title="Opens in a new window, MoneyHelper" href="https://www.moneyhelper.org.uk/en" target="_blank">MoneyHelper</a> provides a range of free and impartial money advice over the phone and online, including tools and calculators to help you manage your finances.</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="row "> <div class="col-sm-6" data-component-type="Column1"> <div class="article-snippet shaded"> <div class="media"> <div class="media-body"> <div class="article-snippet-bd cms-content"> <div> <div> <h2>Are you receiving all your benefits?</h2> <p>Find out if you're getting all the money you could be entitled to.</p> <p>Visit <a title="Visit the entitledto benefits checker, opens in a new window, third party site" href="https://www.entitledto.co.uk/" target="_blank">entitledto</a> and use their free benefits calculator to understand if financial support is available.</p> </div> </div> <div> </div> </div> </div> </div> </div> </div> <div class="col-sm-6" data-component-type="Column2"> <div class="article-snippet shaded"> <div class="media"> <div class="media-body"> <div class="article-snippet-bd cms-content"> <div> </div> <div> <div> <h2>Get local debt help</h2> <p>Contact <a title="Citizen's Advice Bureau website , opens in a new window, third party site" href="https://www.citizensadvice.org.uk/" target="_blank">Citizen's Advice Bureau</a> for a list of debt counsellors in your area.</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="side col-md-3 col-sm-12"> <div class="article-snippet "> <div class="media"> <div class="media-body"> <div class="article-snippet-bd cms-content"> <div> </div> <div> <div> <p>To protect the privacy of our customers, we have used photographs of actors and fictitious names, but they are based on real situations.</p> </div> </div> </div> </div> </div> </div> <div> <h2>How close are you to a Debt Problem?</h2> <p>If you're worried that you need help with your finances then you can try <a title="StepChange Debt Charity 60-second debt test, opens in a new window, third party site" href="https://www.stepchange.org/Debttest.aspx?utm_source=barclaycard&utm_medium=referral&utm_campaign=reduced-income-persona-dt&utm_content=&WT.mc_id=900039" target="_blank">StepChange Debt Charity's 60-second debt test</a>. By answering a few simple questions they'll be able to tell you if you need debt advice.</p> </div> <a href="https://www.stepchange.org/Debttest.aspx?utm_source=barclaycard&utm_medium=referral&utm_campaign=reduced-income-persona-dt&utm_content=&WT.mc_id=900039" target="_blank" class="no-underline" data-component-type="Image"> <img alt="StepChange Debt Charity 60-second debt test, opens in a new window, third party site" data-src="/content/dam/barclaycard/images/personal/existing-customers/snippet_images/stepchange-debt-checker.png" class=" lazy"/> </a> </div> </div> </div>  </main>  <div class="section"><div class="new"></div> </div><div class="iparys_inherited"><div class="footer iparsys parsys"><div class="footer bdlfooter parbase section"> <footer class="o-section" aria-label="Company Information" id="footerlink"> <div class="o-section__content"> <div class="aem-footer" data-component-type="Footer"> <div class="aem-footer__content"> <div class="aem-footer__head"> <div> <div 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