If you’re worried about managing your money, help is available.
We're here to help
- If you've missed a repayment or are worried about money, give us a call on 0203 0595 784
- Alternatively, for independent, impartial, free and confidential help, you can speak to any of these help lines
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We can help. Give us a call so we can discuss the best options for you.
Credit freeze
A credit freeze places a temporary block on your account during which you won’t be charged any interest or fees, and no payment is required. You won’t be able to use your card for new purchases during this period, but it does mean your credit card balance won’t get any bigger.
Payment deferral
Allows you to pause your minimum payments for a month at a time, up to a maximum of 3 months, and you’ll still be able to use your credit card. It’s important to note, however, that interest and fees will continue to be charged to your account, which may mean future minimum payments are higher (and as a result, it may cost more and take longer to pay off your balance in the long term).
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Relying on your overdraft to cover costs could mean you're spending more on interest than you need to be.
Use our overdraft calculator to see the cost of using your overdraft, and compare the cost to other ways of borrowing.
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Using your overdraft or credit card consistently to borrow money can be expensive and may lead to financial difficulties. If you're concerned about making your repayments on time or have received communications from us about overdraft repeat use or credit card persistent debt, we can help.
If you’re worried about your repayments, give us a call on 0203 059 5784.
Alternatively, for independent, impartial, free and confidential help, you can speak to any of these help lines.
Citizens Advice Bureau
Citizens Advice Bureau provides advice and support on a range of topics, from work issues to debt and money to health.
StepChange
StepChange gives free debt advice to help people deal with debt and find solutions to get them through.
MoneyHelper
MoneyHelper offers free and impartial help with money, including in-depth guides and tools and calculators to help track and plan ahead.
Business Debtline
Business Debt Line provides free and independent debt advice to businesses.
Simple tools to manage your money
MoneyHelper's budget planner
MoneyHelper’s budget planner helps you know exactly how much money you’re spending and have coming in. Managing your budget this way can help put you in control of your finances and stay on track with paying off any debt.
MoneyHelper's bill prioritiser
Unsure which bills to pay first? The consequences of missing some bills can be worse than others, so it’s important to pay them in the right order. MoneyHelper’s bill prioritiser can help.
Warning signs of money problems
Anyone can find themselves in a difficult situation. It’s very common to feel isolated and alone when worried about money.
Signs of money problems affecting you include:
- Living beyond your means
- Overusing credit
- Personal struggles (e.g. divorce)
- Struggling to pay debt or credit
- Financial avoidance (eg. ignoring repayment finances)
- Being contacted by debt or credit collectors
- Signing documents you do not comprehend
Signs of money problems affecting business include:
- Cashflow in the red without a valid reason
- Paying suppliers late or missing payments altogether
- Less cashflow coming in or a shrinking list of orders
- Needing to find new sources of funding for the business
- Employees leaving or change in management structure
- Not submitting financial accounts on time
- Late or missed loan repayments
- Frequent and increasing borrowing of funds
Terms and Conditions apply, including applicants being resident in the UK & aged 18+ and, if relevant, businesses being based in the UK.
For full website terms including information on Zempler Bank, Mastercard and use of trademarks, please see our full legal disclosures at https://www.zemplerbank.com/legal/. Zempler Bank Limited (“Zempler Bank”) is registered in England and Wales at Cottons Centre, Cottons Lane, London SE1 2QG (No.04947027). Zempler Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Firm Reference Number 671140.
Zempler Bank provides credit facilities subject to approval and affordability, and where accounts continue to meet Zempler Bank credit criteria.
