He was already working a part time job, but Nathan still couldn’t pay his card bill and the extra shifts he’d picked up made him miss some important lectures.
With exams on the horizon, Nathan wanted to pull back his shifts and focus on his final term. But he knew that if he did that, he'd get further behind with his repayments.
Knowing he had to do something, Nathan decided to call Barclaycard and find a way to get through his exams without worrying too much about money. He knew things were getting out of hand because:
- his portion of the rent was overdue and his housemates were angry
- he’d borrowed money from a friend and couldn’t pay it back
- he was up to his credit limit and incurring late payment fees