Credit Card Debt Help With Illness

John's story

John was diagnosed with cancer a few months ago and had to give up work. As a result, his family had to get by on benefits whilst John underwent treatment. Meanwhile, the list of unpaid bills continued to grow and his wife was really struggling to look after him.

John felt as if his life was falling apart. He could see that his illness was putting a huge strain on his wife and kids, and having to worry about money on top of everything else was making the situation worse.

Noticing that he appeared very anxious, John's nurse convinced him to call Barclaycard and let us know what was happening.

How Barclaycard helped

When he rang us, John got through to one of our support team, Steve.

  • Steve gave John time to explain things in his own words and wasn’t judgemental or demanding, as John had feared

  • Together they created a repayment plan that John could afford, and put a longer term plan in place for when he was in a better place. Steve explained what information he needed for this, as well as how it would affect John's credit score and what could be done to help

  • He checked that John knew he could access his Barclaycard account online to make debit card payments and when he could afford to, set up a Direct Debit – and that confidential and independent advice was available with StepChange Debt Charity

John was very apprehensive about ringing Barclaycard, but felt relieved once the call was over. Steve was reassuring, acknowledged John's situation and gave him the advice he needed to take back control of his finances and put his mind at rest.

Does your story sound like John's?

Falling ill can cause a lot of anxiety, and if you have to stop working, the loss of income can make a difficult time feel almost impossible to deal with.

We’re not here to make it worse – we really are here to help

We know your debts aren't going to disappear on their own, but we really can help. If you get in touch, we'll ask you about your income and outgoings so you can feel confident you're only repaying what you can really afford. And your priority payments – Council Tax, rent/mortgage repayments and household bills – will always come first.

It's probably the last thing you want to do, but giving us a call won’t make anything worse. We won't spring any surprises on you; our advisers are here to listen, understand and agree a solution with you – not demand payments you can’t afford.

You can rest assured, we’ll ask your permission before we do anything and check how you feel about your other finances.

We'll try to provide you with help that’s clear, practical and easy to understand. Also, we'll advise you where to find free and independent help.

Please get in touch to find out how we can help

Speak with our support team on:

0800 0511119

Calls to 0800 and 0808 numbers are free from UK landlines. 
Mobile charges may vary.

0330 1595981

Calls to 03 numbers use free plan minutes if available – otherwise they cost the same as calls to 01/02 prefix numbers.

The line is free and open 8am – 9pm Monday to Friday, and 9am – 4pm Saturday.

Or alternatively...

Contact us online by logging into Barclaycard online account  and sending us a secure message .

Write to us at:
Barclaycard Centre
Norwich way
Kirkby Town Centre
Knowsley
L32 8UY


StepChange logo

Do you owe money elsewhere?

If you're struggling with a few different debts or money worries, StepChange may also be able to help you.

They are the UK's largest provider of genuinely free independent debt advice and managed solutions, helping almost 600,000 people a year resolve problems, repay debts and rebuild lives.

Other ways you can get help


Have you been diagnosed with cancer?


Cancer is one of the toughest fights most of us will ever face. But you don't have to go through it alone.

For answers, support or just a chat, get in touch with MacMillan .


Do you need free help with your money?


Visit The Money Advice Service . They offer support in person, over the phone and online.






Are you receiving all your benefits?


Find out if you're getting all the money you could be entitled to.

Visit entitledto and use their free benefits calculator to understand if financial support is available.


To protect the privacy of our customers, we have used photographs of actors and fictitious names, but they are based on real situations.