Credit Card Debt Help

If you find yourself struggling with Credit Card Debt. We can recommend the best way to deal with this. Options are available.

Also, if you’re eligible, you may be able to get Breathing Space. This means your creditors won’t be able to add interest or fees to your debts or take enforcement action, for up to 60 days.


Home > Credit Card Debt

This Guide Includes

1. Credit Card Debt

2. What happens if you can’t pay Credit Card Bills?

3. Help With Credit Card Debt

4. Staying on top of Credit Card Debt

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Credit Card Debt

Credit cards can be a useful way to make large and more secure purchases or even to help you get through that last week of the month before payday. However, it can be easy to fall into credit card debt as you are able to buy things that you don’t have to pay for (or worry about) at the time. Debt on the card can build up quickly and if you cannot clear it or miss your minimum monthly repayments, interest will start to accrue and you could be charged a fee for a missed payment.

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Our team of advisers are here to support and advise you every single step of the journey.

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What happens if you can’t pay Credit Card Bills?

If you don’t pay the minimum payment your account will go into arrears. If this happens:

  1. Your lender will contact you to demand the missing payments are made
  2. Then if you don’t make the payments they ask for, the account will default
  3. And if you still don’t pay, further action may be taken, such as employing debt collection agents to recover the money you owe them

If you are late making credit card debt repayments, it will usually have a negative effect on your credit rating. Your credit profile makes a record of every late payment you make, and lenders will look at this to decide how reliable you are for making repayments.

Help With Credit Card Debt

If you’re falling behind with payments, it’s often a good idea to contact your credit card provider to explain what’s happening and tell them how much you can afford to pay each month. Many creditors will agree to an affordable repayment plan or a payment holiday to help you get back on track, even if this is only for a few months

Staying on top of Credit Card Debt

There are several useful tips you can do to avoid getting into credit card debt, things like;

  • Setting up a standing order so you always make the minimum payment.
  • Making an additional payment on top of that if you can afford to.
  • Setting aside enough money each month to pay back what you spend.
  • Using a comparison site to find a lower, or zero interest deal so you can pay off more of the balance each month.

If you are struggling to pay a credit card or have difficulty paying outstanding debts, please contact our expert debt advisors to discuss. Call 0800 121 48 63

News, Updates & Events

7.4m people struggling with bills and credit repayments

New research from the Financial Conduct Authority (FCA) has found that while many are struggling to meet financial commitments 7.4 million people were struggling to pay bills and credit repayments in January 2024, down from 10.9 million in January 2023.

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Household bills predicted to fall by £350

According to new research by Compare the Market, the annual cost of household bills is expected to decrease by an average of £350 year-on-year starting April 2024. The analysis includes energy, water, home insurance, motor insurance, and council tax costs.

Read more

Debts Solutions & Advice

There are a number of debt solutions available. Further information on each can be found in the links below. Please be aware each solution has advantages and disadvantages.