Struggling To Pay Credit Card Debt?

Ruth's story
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.
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.
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
Speak with our support team on:
Calls to 0800 number are free from UK landlines. Mobile charges may vary.
The line is free and open Monday to Friday 8am to 9pm, Saturday and Sunday 9am to 9pm.
Or alternatively...
Use the Barclaycard app
Talk to us anytime using our 'Chat' service. You can find it under 'Contact us' on the help page. It's secure and easy to use and if we can't answer you immediately we'll send you a notification when we reply, so there's no need to wait.
More about the app
Write to us at:
Barclaycard Centre
Norwich way
Kirkby Town Centre
Knowsley
L32 8UY
If you're struggling with a few different debts or money worries in general, there are organisations that may be able to help:

StepChange is 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.

The National Debtline offers free independent support for advice on how to deal with your debts, including live online webchat with a National Debtline advisor.

The Money Advice Service provides a range of free and impartial money advice over the phone and online, including tools and calculators to help you manage your finances.
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?
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.
Get local debt help
Contact Citizen's Advice Bureau for a list of debt counsellors in your area.
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.
