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Credit Card Debt Advice

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Credit Card Debt Advice

In this section you’ll find advice about how to get out of credit card debt and ways to reduce your credit card debt.

We'll also highlight what you can do if you can't afford your monthly repayments.

Credit card debt is easy to get into and sometimes very difficult to free yourself out of.

credit card debt advice

I Can't Pay My Credit Cards What Will Happen?

In an ideal world, you should pay off as much as you can afford on your credit card because the more you owe, the more interest you will accrue. But that is not always possible if you are struggling financially.

Don’t fall into the trap of thinking you are managing your credit card debt by paying the minimum amount every month, because your debt will only grow month on month.

Missing payments will also lead to charges, further adding to your debt.

If you are experiencing problems, the first thing to do is to stop using your card and destroy it.

It is also a good idea to contact your card provider and let them know about your situation, if you can agree a repayment plan with them, make sure that it is realistic and affordable.

Need credit card debt advice?

Our specialists can quickly advise you on what to do if you can't pay your credit cards.
Simply call the team on 0800 36 88 133, or take the get out of debt test and discover your best solution.

Credit card debt help

If you don't pay the minimum payment every month, your account will go into arrears. Your creditor will contact you to demand the missing payments are made, and if you don't do this eventually the account will default and further action may be taken.

For more information on what action a credit card provider can take to collect a debt, see our recovery action section.

If you have credit card debt, and have fallen behind with payments or are being threatened with demands for payment, then you need to get professional advice as soon as possible.

Need credit card debt advice?

Our specialists can quickly advise you on what to do if you can't pay your credit cards.
Simply call the team on 0800 36 88 133, or take the get out of debt test and discover your best solution.

  • Last updated 21 April 2018

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