What happens if I can’t make credit payment and/or interest?
As for the credit limit repayments—always try to make them from your PLN account, but if there aren’t enough funds, we will attempt to charge your backup card. If this is still not enough we will start accruing overdue interest.
If you are struggling to make a repayment or think you might struggle to make repayments in the future, please get in touch with us. We’re here to help, and we’ll discuss ways we can help you manage your repayments.
If you miss a payment penalty interest will be calculated and charged as well as we may report your non-payment to the credit bureau, this may have a negative impact on your credit history.
Change of loan conditions (Forbearance)—only for personal loans
If you don’t have any late payments, we’re ready to consider your request to postpone loan repayments up to 3 months. If you have one missed payment, we will ask you to repay currently overdue interests and penalties first per the relevant loan. In order to proceed, we will need to know circumstances caused your worsened financial state. During the grace period for loan payments, we will ask you to pay interest only.