How do I repay more of my balance?

1. Increase your monthly repayments
2. Repay the balance using credit with a lower interest rate
3. Cancel this credit card and move the balance to a different one with lower interest
4. Get a loan you can afford to repay
5. Shop around for the best deal- use a price comparison site

Use a provider that offers a ‘soft search’ before applying for a new product. This will not affect your credit file.

If you choose to repay your balance with other credit: Make sure you keep up with repayments to avoid extra charges.

1. Ask them to stop interest and charges for a while
2. Tell them you have found a better deal and see if they can match it

1. Add a set amount to your monthly minimum payment
2. Set up a monthly payment that is the same each month
3. Put together a budget and see how if you can afford to repay more

It will be easier to pay off if you stop using the account and increase your monthly repayments.