If you're concerned about your credit card debt, you're not alone. Many people in the UK are struggling with card debts. As the UK's leading debt help charity, we are here to offer free, impartial credit card debt advice.
Paying off credit card balance
If you feel your credit card debt is too high, each month you should pay off as much as you can afford (more than the minimum payment required), but always make sure that you leave yourself with enough money to pay your essential household bills; like your mortgage or rent, council tax, and utility bills.
The lower the balance on your credit card, the less interest you will have to pay and the quicker it will be to clear the debt.
Of course, that's easier said than done if you're struggling financially. But don't think that paying the minimum amount every month is paying back the debt, because the interest you owe on your card will soon mount up, and you will find the balance is increasing rather than decreasing.
If you miss a credit card payment, charges will be added to your balance, making your problem worse. If you are having trouble meeting your monthly payments, always make sure you let your credit card provider know.
Credit card debt help
Most importantly, though, seek professional credit card debt advice. You can get impartial, reliable debt help from us, absolutely free. We can analyse your financial situation and recommend the best debt solution for you, through CCCS Debt Remedy, our online counselling service.
Don't let your problem get any worse; contact us immediately for free, confidential credit card debt advice.