Got a pension question? Our help is impartial and free to use. Get in touch online or over the phone on 0800 011 3797

Managing credit well

Using credit can be useful, but it can cause money problems and debt if you struggle to keep up with repayments. Find out how to make borrowing money work for you.

Man fixing bicycle wheel

Working out a repayment plan for your borrowing

If you’re considering borrowing money, it’s important you think about how you’ll repay it. By understanding the cost of your borrowing, you can make sure you’re getting the best deal and can make all the repayments.

Was this section useful?
Thank you for your feedback.
We’re always trying to improve our website and services, and your feedback helps us understand how we’re doing.

Before you increase your credit limit

Are you considering increasing your credit card or overdraft limit? Find out if you can afford it, and what you can do if you’re refused.

Was this section useful?
Thank you for your feedback.
We’re always trying to improve our website and services, and your feedback helps us understand how we’re doing.

Paying off your credit card

Using a credit card for your spending can have many benefits, from added legal protection to earning cashback. But debt can build up if you don’t pay off what you owe in full each month.

Was this section useful?
Thank you for your feedback.
We’re always trying to improve our website and services, and your feedback helps us understand how we’re doing.
Thank you for your feedback.
We’re always trying to improve our website and services, and your feedback helps us understand how we’re doing.
Talk to us live for…
Talk to us live for…
Talk to us live for pensions guidance using…
Our pensions webchat and telephone helpline will be closed on Tuesday 28 March for staff training. We will re-open on Wednesday 29.
Talk to us live for money guidance using…
Over 50 and want to know your pension options? Our call centre is closed right now, but you can explore your options with our simple online tool Hours
  • Mon – Fri:9am–5pm inc 23, 29 and 30 Dec
  • Sat, Sun and bank holidays:Closed: 24–28 Dec and 31 Dec to 3 Jan 2022

* Calls are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

Talk to us live for money guidance using the telephone
Hours
  • Mon – Fri:8am–6pm inc 23, 29 and 30 Dec
  • Sat, Sun and bank holidays:Closed: 24–28 Dec and 31 Dec to 3 Jan 2022

* Calls are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

Talk to us live for pensions guidance using web chat
Hours
  • Mon-Fri8am-6pm
  • Sat8am - 3pm
  • Sun and bank holidaysClosed
Talk to us live for money guidance using web chat
Hours
  • Mon, Wed, Fri8.20am - 6.20pm
  • Tues, Thurs9am - 6.20pm
  • Sat, Sun and bank holidaysClosed
Talk to us for pensions guidance using our web form

We aim to respond within 5 working days

Talk to us for money guidance using our web form

We aim to respond within 5 working days

Talk to us live for money guidance using WhatsApp

Download app: WhatsApp

For help sorting out your debts, credit questions or pensions guidance. For everything else please contact us via Webchat or Telephone.