We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).

Credit card debt

Credit card repayment calculator

Are you in control of your monthly payments? Find out in one minute

If you’re worried your store card, catalogue and credit card payments are getting out of control, use our online credit card repayment calculator to quickly find out about the help you need.

Take a minute to take the test if:

  • You've had letters from lenders from a lender warning that your account is in persistent debt
  • You've been making minimum payments for a long time
  • Your interest rate is making it harder to pay off your debts

Answer the five simple questions below: We’ll help you understand how close you are to a debt problem, how to deal with credit card debt and warnings about your account being in persistent debt.

60-second credit card repayment checker

Answer 5 quick questions to find out. It should only take a minute to get a clear picture of whether you are on top of your credit card, store card and catalogue repayments or not.

Happy face
Slightly happy face
Sad face
very sad face


Did you pay only the minimum payment last month?


Do you regularly pay only the minimum payment?


Have you had any letters warning you that you are in 'persistent debt'?


Do you ever miss payments to your credit card, store card or catalogue accounts?


Do you worry about not being able to keep up with repayments or not being in control of your credit?

You are in control

Based on your answers it sounds like you are in control of your repayments.

You are reducing your balance. And you are also saving money by not paying interest.

This because you are not missing any payments and you are not just paying the minimum each month.

Stay in control! Make the most of your money with income-boosting, money-saving tips.

Read our budgeting guides

Things are okay

Based on your answers, it sounds as though you are mostly keeping on top of your repayments at the moment.

That is great. By paying more than the minimum payment each month, you can:

  • Reduce your credit card balance quicker
  • Save yourself money because you’ll pay less in interest

Find out more about what can happen if you’re only making minimum payments by clicking the button below.

Find out more about persistent debt

Things could be a bit better

Based on your answers it looks as though you are doing everything you can to keep on top of your repayments. But you might be able to make improvements.

If you depend on making the minimum payment each month, you are at risk of your account being in ‘persistent debt’. Your creditors will contact you and ask you to pay more each month.

Find out more about persistent debt

And if you have missed any payments, you might be struggling to keep on top of your finances. Find out how we can help you.

You need debt help

Based on your answers, it looks like you’re struggling. We can help you out. Please get in touch with us for free debt advice.

Use our online debt advice tool for tailored budgeting advice and a personal action plan.

Get debt help now

Or if you would like to talk to a debt advisor, please call us on 0800 138 1111.

John, Greater Manchester

StepChange don't judge you. They're here to help. I feel a lot less stressed thanks to them.

Richard, East Anglia

Words can hardly describe how great a service StepChange do, I feel like my life has improved so much thanks to the help they provide.

Jessica, Gwent

They've helped me so much! Can't thank them enough.

Brendan, Stirlingshire

A big thank you to StepChange for not judging me and for all your assistance and support.

Beth, Devon

The service has been amazing, I feel a massive weight off my mind and no longer worry about my finances.

How we help

We provide advice and solutions to thousands of people who are struggling to pay their debts. We can look at your whole situation and give you information on how best to deal with your debts.

You can use our online debt advice tool for free advice.