Credit Card Debt
Practical advice on managing credit card balances and getting out of debt. Articles include repayment strategies, dealing with companies and what happens during financial difficulties.
Are Credit References Unfair to Consumers?
Credit references can harm your borrowing prospects for years, here's why they often feel unfair to consumers.
Cancelling Your Credit Card
Pay off your balance first, then call your card company to cancel, and be ready to resist retention offers that could undermine your decision.
Complaining About Your Credit Card Company
If your credit card company isn't treating you fairly, here's how to file a complaint with the UK's Financial Ombudsman Service.
Complaining to Your Credit Card Company
Here's how to file a complaint with your credit card company and get results.
Contacting Your Credit Card Company
Here's how to actually reach your credit card company without losing your mind to hold times and transfers.
Credit Cards: Necessity or Debt Trap?
Most UK credit card holders only pay the minimum, trapping them in decades of debt while lenders profit from interest charges.
Death and Inherited Credit Card Debt
When someone dies with credit card debt, relatives usually aren't responsible for paying it unless they were a co-signer.
Falling Into the Credit Card Trap
How credit card companies trap you into debt by raising limits without checking if you can actually afford it.
Get Out of Credit Card Debt Completely
Stop credit card debt from controlling your life with these practical steps to pay it off and regain financial freedom.
Hidden Charges When Paying by Credit Cards
Many retailers quietly add credit card surcharges to your purchases, inflating what you actually pay at checkout.
How to Beat Credit Card Arrears Harassment
Stop credit card debt collectors from harassing you: know your rights and what tactics are actually illegal in the UK.
How to Not Get Into Debt with Your Credit Card
Stop credit card spending before it turns into debt by treating your card like a real loan, not free money.
Manage Your Credit Card Debt
Pay more than the minimum on your credit card each month to actually pay off what you owe instead of lining the card company's pockets with interest.
Reclaim Credit Card Charges
You can claim back unfair credit card charges from the past six years if your bank charged over £12 for going over your limit.
Stop Making Billions for Credit Card Companies
Stop paying billions to credit card companies by cutting your interest rates and taking control of your debt.
The Hidden Dangers of Zero Interest Credit Cards
Watch out for fees and rate hikes that can wipe out savings on zero percent interest credit cards.
The Unmanageable Credit Card Debt Test
Check if your credit card debt is out of control with these warning signs that mean you need to take action now.
Using Credit Cards for Short-Term Loans
Use 0% credit cards for short-term borrowing instead of expensive personal loans and pay no interest.
What Happens if I Can't Keep Making My Repayments?
If you're struggling to pay your credit card bill, here's what you can do before missing a payment.
Why Lenders Love Careless Credit Card Customers
Careless credit card users cost themselves hundreds in fees and interest while padding lenders' profits every year.