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Credit Card Repayments 

You have a few options when it comes to making Credit Card repayments. Read on to find out what could work best for you.


What are Credit Card repayments?


Credit Card repayments pay back the money you’ve spent on your Card. At the end of your statement period, you’re in control of how much of your balance you pay, but must meet the minimum repayment amount.


When your statement arrives, you’ll have a choice of repayment options. To avoid paying more interest, you can pay off the entire Credit Card bill on, or before, the statement due date. Or you can choose to spread your Credit Card repayments over time by paying at least the minimum monthly repayment amount. This option means you’ll pay more interest.


Log in to manage your repayments.


What is the minimum repayment on a Credit Card?


The minimum repayment is the lowest amount you must pay by your statement due date to meet the obligations of your Credit Card contract. This repayment option is not recommended as a long-term solution, as by making only the minimum monthly repayments, you’ll pay more interest and it could take you longer to pay off your balance.


Credit Card Repayment Options


As an American Express® Credit Cardmember, you have the following four payment options:


  • Minimum due – the minimum repayment due, as shown on your statement
  • Statement balance – the total balance that’s shown on your statement
  • Fixed amount – a fixed amount, as set by you, that’s collected monthly via Direct Debit. If the minimum repayment figure is higher than the fixed amount, the minimum due will be collected.
  • Total balance – the total balance on your Card when you make a manual payment.

Charge Cards require the full statement balance to be paid.



How to pay off your Credit Card balance


You can repay your Credit Card balance in the following ways:


  • With your Debit Card
  • By Direct Debit
  • Via internet banking
  • At your bank

Find out how to pay using these methods here.


There are a number of things that could help you keep track of your Card use and repayment deadlines.


  • Use the American Express® App. You can switch on notifications to keep an eye on your Credit Card balance, or to remind you when a payment is due.
  • Remember, the only way to avoid paying interest is to pay off your total Credit Card balance on or before the statement due date. If you’re able to, pay off your balance in full each month. If this isn’t possible, you can always reduce the amount of interest you’ll have to pay by paying more than the minimum monthly repayment amount.
  • Pay ahead of the deadline – don’t leave it to the last minute.
  • Set up a Direct Debit for
    your repayments so if you ever forget to pay, the money will be transferred automatically.

Useful Credit Card repayment terms


  • Opening balance: The balance on your account at the beginning of a particular statement period.
  • Closing balance: The amount you owe at the end of a particular statement period.
  • Minimum payment due date: The final day by which you have to pay at least the minimum repayment amount to avoid late paymet charges.

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