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Credit card debt help and advice

Credit card debt is one of the main contributors to debt problems in the UK.

If you’re having problems controlling your credit card spending or you’re struggling to make regular payments, we can help. Remember, our debt advice is always FREE, impartial and confidential.

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Credit card debt statistics

  • According to The Money Charity, in April 2013, the nation's total credit card debt stood at £55.3 billion.
  • Credit cards are in widespread use. According to the UK Payments Council, there are more credit and charge cards than people in the UK. The British Bankers Association (BBA) says that around two-thirds of all credit cards in the UK bear interest.
  • Interest rates for credit cards are relatively high, making credit card debt particularly hard to pay off. According to The Money Charity, in April 2013, the average interest rate on credit card debt was 17.46% – 16.96% above the Bank of England base rate.

Credit card debt help

The best way to use a credit card is to pay off the balance every month. If you’re unable to do this, pay off as much as you can. If you only pay the minimum amount on your statement, the interest will build up, meaning your debt will take much longer to pay off.

If you’re worried about your credit card debts then stop using your card immediately. If you’re struggling to meet your credit card payments, contact your card provider and let them know about your situation.

Credit card debt advice

If you’re struggling with credit card debt, our free online Debt Remedy tool will help you find the best way to deal with this and give you advice that is specifically tailored to your situation.

If you’d prefer to speak to us call our Helpline on 0800 138 1111 (freephone, including all major mobile networks*).

Helping you become debt free...

"I wish to thank your staff for all the great help they gave me when I was in so much debt. They were a pillar of support to me." (Leslie, Essex)

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Foundation for Credit Counselling (trading as StepChange Debt Charity) is a company limited by guarantee registered in England and Wales (Company No: 2757055 ) and a charity registered in England and Wales (Registered Charity No: 1016630). Registered office: Wade House, Merrion Centre, Leeds, LS2 8NG. Consumer Credit Counselling Service (Scotland) trading as StepChange Debt Charity Scotland is a company limited by guarantee registered in Scotland (Company No: SC162719) and a charity registered in Scotland (Registered Charity No:SC024413). Registered office: 33 Bothwell Street, Glasgow G2 6NL. Authorised and regulated by the Financial Conduct Authority.

* Major mobile networks include Orange/EE, O2, Vodafone, T-Mobile, Three, Tesco Mobile and Virgin Mobile. Call charges from other networks may vary.