If you can no longer afford to make the contractual monthly payments, your 0% interest offer will be cancelled and you’ll be moved to a flexible credit account. This means that you’ll start being charged the standard interest rate, and you’ll need to start paying the monthly minimum amount. This will either be £5 (or the full amount you owe, if you owe less than £5), or 1% of the full amount you owe, including interest and fees – whichever is higher. Then, you can just make extra payments towards your balance when you can afford it, to pay the total faster.