Keep in touch with the funds adviser at your university until you’re back on track with repayments if you need to, and get in touch with the credit card company to explain your situation they may be able to pause penalty charges or work out a payment schedule with you.
Shop cards are like charge cards that may simply be found in the chain or store that provides you the card. Do not confuse these with shop branded charge cards (e.g. the Amazon or Sainsbury’s charge card), which may be utilized anywhere. Shop cards come bundled with discounts, offers or reward points to connect you into investing more than you need to, yet they usually charge a lot higher interest than charge cards.