Do you charge me interest if I have a debit balance? No, we don’t charge you interest in your account is in debt. If you would like to make a one-off payment to clear a debit balance, please email email@example.com or contact us here. Related articles How does the 3% interest reward work? I’m in credit. Why are you increasing my monthly payments? Can I have my credit refunded to me? How often do you review my monthly payments? Can I make one-off payments?