Westpac may be able to help you pay your overdue or overlimit amounts over a period of time. This might mean you pay these in smaller amounts over an agreed timeframe. This helps you stay on track with making your regular repayments while you catch up. A payment arrangement may involve additional costs to you over the life of your lending. To help you make the best decision for your situation, our Customer Care team will explain any extra costs you will incur as a result of entering into a payment arrangement with us.