With an instalment plan, you don't need to pay off your balance in one go - you pay off your balance in smaller amounts over an agreed period.
When working out what you can afford you'll need to take into account how much you need to budget for your future bills to keep your account up to date.
Please remember you need to keep up with your instalments once you've set up a plan. If you miss a payment, we’ll need to start our debt recovery process. So it’s important that you agree a plan that is affordable for you.