Martin has had lots of other guidance for Britons during this trying time, full of financial uncertainty.

He has given further advice on mortgages and credit cards.

On credit cards the expert warned the current low interest rates for mortgages are not the same for credit cards.

He went on: "It doesn't affect credit cards, it's almost irrelevant for credit cards."

Martin went on: "While we have formal agreements for mortgage payment holidays, banks are offering credit card payment holidays."

These arrangements are not set up by the government.

Therefore, as Martin explained: "It's bank by bank."

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