Struggling To Pay Credit Card Debt?

When Ruth’s feeling low, it can be difficult to get up in the morning – let alone manage the finances

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.

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 to make debit card payments, change payment due dates and, when she could afford to, set up a Direct Debit – and that confidential and independent advice was available with StepChange  Debt Charity

  •  

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…

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 - 6pm Monday to Friday, and 9am - 2pm 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

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:

StepChange logo

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.

National Debtline logo

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.

Money Advice Service logo

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.

StepChange Debt Charity 60-second debt test


Chat with a National Debtline advisor

National Debtline is a third party charity offering free independent advice on how to deal with your debts. For practical advice about your options, chat online with a National Debtline advisor*.

Chat online with a National Debtline advisor

 

*By clicking this link you’ll leave Barclaycard and be transferred to National Debtline – never reveal your account details, PIN or passwords to third party organisations or advisors.