Hi new here and looking for advice. I have stupidly got into debt with a vanquis credit card. I missed my last payment so am now over my £3000 limit. I just can't afford the £135 monthly min payment anymore. What do I do? My partner will be going back into work in October so will be in a better position to repay then but will they freeze the interest and accept a payment of say £50 for 6 months? Any advice please. Thanks