NatWest Credit Card Debt Help
Need support with NatWest credit card payments? If your balance is growing and repayments feel out of reach, we’re here to guide you through your options.
- Write off 75%* of unaffordable debt
- One lower monthly payment
- Stop creditor hassle and bailiffs
- Access mental well-being services
Your credit rating may be affected if you opt for a debt solution.
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100% FREE ADVICE
Get information today on your available options
Finding It Hard to Keep Up With NatWest Credit Card Payments?
If your NatWest credit card balance isn’t going down and interest keeps adding up, it can feel like you’re stuck in a cycle. Whether you’ve missed a payment or you’re starting to feel overwhelmed, it’s a good time to explore your options.
PennyPlan offers straightforward, confidential advice to help you take back control. We’ll talk you through what’s available and support you in choosing a path that feels realistic.
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What Happens If I Don’t Pay My NatWest Credit Card?
Falling behind on NatWest credit card payments can cause your balance to grow quickly. Interest and late fees are often added, and you might start receiving reminders by letter, phone, or text.
If the debt isn’t repaid, NatWest may pass your account to a debt collection agency or take legal action such as a County Court Judgment (CCJ). This can damage your credit score and make it harder to get credit in the future.
Getting help early can make a real difference. At PennyPlan, we’ll explain what’s likely to happen next and help you take steps to deal with it, before things escalate.
We Help With Most Debts - Not Just NatWest!
*Mortgage debt can be included if you no longer own the property in question.
- Credit Cards
- Loans
- Overdrafts
- Store Cards
- Mortgages*
- Catalogues
- Council Tax
- Benefit Debts
- Utility Bills
- Payday Loans
Example Of An IVA
UNSECURED DEBTS
Your Monthly Repayments:
Find out for FREE what debt help is available to you
Subject to creditor acceptance. Payment subject to individual circumstances.
Credit Rating may be affected. Fees apply, subject to individuals circumstances.
Reasons To Choose PennyPlan
- Stop all interest & charges
- Write off debt
- Access well-being services
- Reduce monthly payments
Managing NatWest Credit Card Debt
NatWest credit card debt can build up quickly, especially if interest keeps rising and minimum payments barely reduce the balance. A short-term slip can soon feel like a long-term struggle.
If you’re juggling multiple debts or feeling the pressure, you’re not alone — and there are ways to take control. Depending on your circumstances, Debt Management Plans (DMPs), Individual Voluntary Arrangements (IVAs), and Debt Relief Orders (DROs) could help reduce what you owe and make payments more manageable.
We’ll walk you through the options and help you understand what could work best for you.
How Could A NatWest Credit Card Debt Solution Help You?
Understanding the options available to deal with your NatWest credit card debt is the first step toward taking back control. Our goal is to help you find a manageable way to reduce the pressure and move forward with confidence.
What works best will depend on your circumstances, which is why one of our specialist advisers will take the time to talk it through with you and explain the routes available.
IVA
Individual Voluntary Arrangement
An IVA consolidates your debts into one affordable plan, with some NatWest credit card debts potentially written off.
DMP
Debt Management Plan
A repayment plan that combines debts into one monthly payment. Interest can be reduced or frozen, helping ease financial pressure
DRO
Debt Relief Order
A debt reduction programme for those on low income. Certain debts can be cleared, with no ongoing payments required during the DRO.
Find Out For FREE What Debt Help Is Available To You
Get Help With NatWest Credit Card Debt Today
We’ve helped people across the UK take control of their debts and get their lives back on track. Our trained advisers will assess your individual situation and guide you towards the best way to manage and resolve your finances.
Do I Qualify
For an IVA?
100% FREE ADVICE
Get information today on your available options
Get Support With NatWest Credit Card Debt
If your NatWest credit card balance is becoming harder to manage, now could be the right time to ask for support.
Whether you’ve already missed a payment or you’re just starting to feel the strain, you’re not alone and there are steps you can take to ease the pressure.
PennyPlan offers free, confidential advice that’s tailored to you. We’ll help you understand your options and guide you toward a plan that feels achievable, not overwhelming.
When you’re ready, we’re here to help you move forward.
- One lower monthly payment
- Write off 75%* of unaffordable debt
- Freeze interest & charges
- Stop legal action including bailiffs
- Receive FREE well-being sessions
Can NatWest Credit Card Debt Be Included in a DMP or IVA?
If your NatWest credit card is just one of several debts you’re trying to manage, it may be possible to include it in a formal solution like a Debt Management Plan (DMP) or an Individual Voluntary Arrangement (IVA).
These options are designed to make repayments more affordable by combining your debts into one monthly payment. They can also freeze interest, reduce creditor contact, and give you a clearer plan to work towards.
We’ll talk you through whether a DMP or IVA could suit your situation and help you understand how the process works, so you can move forward with less pressure and more clarity.
Tackle Your Debt And Your Mental Health In One Place
Our team are committed to getting your finances and well-being back in top condition
Apply for our eligibility check
Find out if you match the minimum criteria we require to enter you into one of our IVA plans
Speak to our debt specialists
Speak to our friendly debt specialists, who will explain all the options available to you.
Choose your debt solution
Now you have all the options available, you can make an informed decision that is right for you and your family.
Do I Qualify
For an IVA?
What Our Customers Say About Us
Maria
3 days ago
PennyPlan were extremely professional and genuinely caring, I am very happy that I made the call and now have a plan in place and peace of mind. From the first contact to the signing of the agreement it was straight forward and simple plus the staff really are exceptional in the way they listen and understand’ I couldn’t have asked for a better company.
Emily
4 days ago
For over a decade I have kept my money worries to my self away from friends and family one phone call with Leah and I had laid it all bare without a second thought nothing shocked her and nothing wasn’t sortable I’m forever grateful I stumbled across this company and no longer have to worry about money on my own. Highly recommend!!
Daniel
4 days ago
PennyPlan offered insightful, professional and empathetic support throughout my insolvency. Declan in particular was friendly, personable and knowledgeable, and a massive help throughout the process. They offer a no pressure service and allow you to make the best decision for yourself. I highly recommend these guys for anyone struggling with debt.
Mark
1 week ago
I was hesitant in applying for an IVA, But my mind was put at ease on the first call. The whole process was explained to me with complete care and understanding and I didn’t feel judged at all. Since being accepted for the IVA my mental health has improved so much and I now don’t worry about how I am going to put food on the table each week.
NatWest Credit Card Debt FAQs
Yes, there are support options available. Depending on your situation, you may be able to include your NatWest debt in a formal plan like a DMP or IVA to reduce payments and regain control.
In many cases, NatWest may agree to a repayment plan if you’re struggling. We can help you explore informal and formal solutions to find the most suitable route.
If your account remains unpaid for a period of time, NatWest may pass or sell the debt to a collection agency. This can result in additional contact and impact your credit file.
In certain situations, such as with a Debt Relief Order (DRO) or bankruptcy, some or all of your NatWest credit card debt could be written off. We’ll help you understand if this is an option for you.
Yes, missed payments, defaults, or legal action like a CCJ will negatively affect your credit score. Getting support early can help limit the impact.
