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What’s persistent debt?

Persistent credit card debt, also known as long term credit card debt, applies when you've paid more in interest, fees and charges than you’ve paid back on the amount you’ve borrowed over an 18 month period.

We are taking steps to support our customers to pay more towards their credit card balance and manage their finances better. This reflects the rules that have been introduced by the Financial Conduct Authority (FCA) with the aim of helping customers avoid long term credit card debt.