Credit Card Repayment Difficulties

Our commitment

In these difficult economic times, falling behind on your repayments can happen.

Our commitment is that we will work with you to try to find a way to help make your repayments a little more manageable. So if you are in arrears, or worried that you soon might be, talk to us before a small problem becomes a big one.

Contact us 

It is really important that you get in contact with us as early as possible if you’re concerned. This will give us both the best chance to work together on a solution.

You can call us directly on 1800 855 010 or +353 21 601 3800. Lines are open Monday to Friday, 9am - 8pm (excluding bank holidays) and Saturdays 9am - 1pm.

Alternatively, if you are worried that you may have difficulty meeting future repayments, we have advisors in every branch who will be pleased to talk you through your options.

You may wish to contact the Money Advice & Budgeting Service (MABS). It is a national, free, confidential and independent service for people in debt or in financial difficulty. Contact 0761 07 2000 (Monday to Friday 9am - 8pm), or visit their website at

What fees and charges could I face?

  • €7.50 if you exceed your credit limit.
  • €7.50 if your minimum payment is not received by your due date
  • €10 Unpaid Payment charge if your payment is returned unpaid

Missed repayments may be recorded on your Irish Credit Bureau (ICB) profile and may affect your ability to borrow in the future.

How can I avoid these fees and charges?

  • You may be able to avoid some of these charges by keeping your account within the agreed limits. If you are having difficulties doing this contact one of our advisors in your branch or call us directly on 1800 855 010 or +353 21 601 3800 – we want to help.
  • You can check your balance online and over the phone through Open24 on 1890 500 121 or +353 1 2124101. Lines are open Monday to Friday 8am - 10pm (except Bank Holidays) and Saturdays & Sundays 10am - 5pm.
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