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Help and information
- Student Mastercard fees, charges, important information and terms & conditions
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- Using your card abroad
- Check out the FCA website "The Money Advice Service"
Persistent Debt
The UK financial conduct authority (FCA) has set out new rules to help customers in persistent credit card debt. You are considered to be in Persistent Debt if you have paid more in fees and interest than you have repaid of your borrowings over an 18 months period. Customers in persistent debt are contacted and encouraged to make higher repayments as doing so will reduce their over-all cost of borrowing, reduce their repayment period, and prevent future loss of use of their credit card. For more information please visit the FCA website - https://www.fca.org.uk
We adhere to the Standards of Lending Practice which sets standards for banks when dealing with lending and overdrafts for personal customers. You can get more information on the Standards from any branch or at www.lendingstandardsboard.org.uk. Under the Standards we have also developed a Statement of Lender and Borrower Responsibilities to ensure that the relationship works well for both of us.