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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 shouldn’t take more than a minute to get a clear picture of whether you're on top of your credit card, store card and catalogue repayments or not.

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1

Did you pay only the minimum payment last month?

2

Do you regularly pay only the minimum payment?

3

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

4

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

5

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

You're in control

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

Because you’re not missing any payments and you’re not just paying the minimum each month, you’re reducing your balance. You’re also saving money by not paying interest.

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Things are OK

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

That’s great. By paying more than the minimum payment each month, you reduce your credit card balance quicker and you can also 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

You could make some improvements

Based on your answers it looks as though you’re 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’re 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

Or you can contact our dedicated persistent debt team on 0300 303 2517. We’re available Monday to Friday 9am to 5pm.

And if you’ve 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 financially. We can help you out. We’d recommend you 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

If you’d like to talk to a debt advisor, please call us on 0800 138 1111. We’re open Mon-Fri, 8am-8pm, Sat 8am-4pm.

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.

Debt. A simple word. But it can become a big problem. We can cut it down to size. Let's start the conversation

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 or call our helpline for advice.