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Have you received a 'persistent debt' letter?
If you're making minimum payments to your credit card, store card or catalogue account, we can help.
Persistent debt is when you are making small payments but not paying back what you owe. It applies to credit cards, store cards and catalogues.
You do, if you have:
Your monthly credit card, store card or catalogue payment covers two things:
You will stay in persistent debt when you only make minimum payments. This is because a lot of your payment goes towards interest and charges.
You reduce your balance quicker if you pay more than the minimum payment. This is because more of your repayment goes towards the balance.
By paying a little more than the minimum payments each month you:
Before paying more you need to check you can afford this. Think about all the payments you need to make.
If you are worried about money and feel you might have a debt problem, we can help. Get free debt advice online.
If you're worried about money and feel you might have a debt problem, we can help. Get free debt advice online.
We have helped millions of people since 1993.
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"It’s been a life saver. Before StepChange, I could see no way out. I was deep in debt and started to feel depressed. Now I am on the right track to becoming debt free again. Amazing."
Osadebamwen, Feefo Review