Struggling To Pay Credit Card Debt?
Last month, Ruth was feeling on top of her bills and budgets. But then came a run of bad days, and without the energy to check the balance and move money around, Ruth just put everything on the credit card to worry about when she was feeling better.
When she came to pay her next card bill, it was much higher than she had expected. Ruth began to feel overwhelmed – she paid what was due but that left less money for her other household bills. She was worried all her repayments would be too high, that she wouldn’t be able to make ends meet, and she didn’t know where to go for help.
It was Ruth’s brother who convinced her to give us a call. He could see she was worried about her finances, but once he found out how bad things had got he knew it was time for Ruth to let us know. By this point:
- Ruth was putting the food shop on her credit card so she could pay bills
- she had missed a Council Tax payment and only partly paid her electricity bill
- she had spent up to her credit limit in just a few weeks
How Barclaycard helped
Ruth was really worried about calling us and unsure about what would happen next. But when she did call, she was connected to one of our support team, Carol.
- Carol gave Ruth time to explain things in her own words and wasn’t judgemental or demanding, as Ruth had feared
- Together they created a plan for Ruth to make affordable payments towards her Barclaycard, while Carol explained what information she needed for this and why, as well as how it would affect Ruth’s credit score and what could be done to help
- She checked that Ruth knew she could access her Barclaycard account online or via the Barclaycard app to make debit card payments, change payment due dates and, when she could afford to, set up a Direct Debit
- She also advised that there is free help and advice available and that she should also check out the government website for information and services available to her. We’ve included links to organisations that offer independent help and advice in the ‘Other ways to get help’ section below
Ruth had been dreading the call, but she felt so much better when she hung up. Carol really put her mind at rest, understanding her situation and offering advice to put her back in control. Ruth told Carol she was worried her benefits income would be taken to pay off her debts, but Carol assured her this wouldn’t happen.
Does your story sound like Ruth's?
We know the idea of picking up the phone can seem impossible – especially when you don’t feel in control of your finances. But you may be feeling like you’re in need of support, and that’s where we come in…
You're not alone - we're 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.
Get in touch to find out how we can help
Talk to us on the phone
As soon as you think you might be facing financial difficulties, give us a call. It could make things much easier.
Before you pick up the phone, it’s a good idea to jot down some notes about your income and spending. And set some time aside – we’ll want to understand your situation in detail, so you might be talking for a while.
Worried you’ll miss a payment?
Call us on 0800 056 1411.
Missed a payment and want to catch up?
If you’ve missed a payment on your Barclaycard, you might be able to pay it using the Barclaycard app.
Alternatively, call us on 0800 161 5205.
Both lines are open Monday to Friday 8am to 9pm, Saturday and Sunday 9am to 9pm.
Calls to 0800 numbers are free from UK landlines. Mobile charges may vary. Find out more about call charges.
You can also:
Use the Barclaycard app
Send us a message from the 'Help' section of the Barclaycard app. It's secure and You don’t have to wait for our reply, just log back in when you’re ready to see if we've replied.
You need to be 18 or over to use the app. T&Cs apply.
Other ways you can get help
If you're struggling with a few different debts or money worries in general, there are organisations that may be able to help:
Do you need to talk to someone?
Every year, one in four of us will experience a mental health problem.
The Mind infoline offers free confidential mental health information and advice. They offer support in person, over the phone and online.
Are you receiving all your benefits?
Get local debt help
To protect the privacy of our customers, we have used photographs of actors and fictitious names, but they are based on real situations.
How close are you to a Debt Problem?
If you're worried that you need help with your finances then you can try StepChange Debt Charity's 60-second debt test. By answering a few simple questions they'll be able to tell you if you need debt advice.