How do I know if I'm in persistent debt?

First letter

If you’ve been in persistent debt for 18 months we'll write to you to let you know. We’ll encourage you to increase your repayments, if you can afford to. Paying more than the minimum will help you pay down your balance quicker, pay less interest and save money.

9 months later

If you’re still paying more in interest, fees and charges than towards your balance we’ll write to you again to encourage you to increase what you pay each month if you can afford to.

18 months later

If you are still in persistent debt, we’ll write to you with some options to help you repay your balance over a reasonable period. This may result in suspending and closing your card to support you in repaying the balance quicker.