Help With Credit Card Debt

Money worries? We can help

Let’s help you find a way forward

Are you finding it hard to stay on top of your finances? With the cost of living rising, lots of people are in the same boat. If things are tough and you’re worried about your repayments, we’re here to find a solution with you.

If you’re paying more interest than you’d like on your credit card or want tips on meeting your monthly payments, watch our video on .

Need more help from us? Take a look at the stories below to find out how we’ve supported people in similar situations. While the names are made up and the photos are of actors, they’re the sort of problems our advisers help with every day.

Job loss

Carl has just lost his job

While looking for work and sorting out benefits, Carl missed payments and feels he needs help.

Find out how we helped Carl

Accident - money worries

Tomasz has been involved in an accident

He doesn't get paid while he's out of work, and now Tomasz is beginning to worry that he can't pay his next bill.

Find out how we helped Tomasz

Mental Health - money worries

Ruth is struggling with her mental health

Some days she's fine, but recently her low mood and difficulty concentrating have affected Ruth's finances.

Find out how we helped Ruth

Carer - money worries

Helen is concerned about Alice

She wants to help Alice with her money problems, but Helen is frustrated as she doesn't know what she can do about it.

Find out how we helped Helen

Illness - money worries

John has been diagnosed with cancer

Worried about his illness, concerned about how it's affecting his family, and anxious about money, John feels overwhelmed...

Find out how we helped John

Separated - money worries

Kath has separated from her partner

She doesn't know what implications her divorce will have on her finances; Kath needs some advice.

Find out how we helped Kath

Addiction - money worries

Ray's gambling problem is starting to affect his finances

Feeling guilty and unable to stop, Ray is spending too much money gambling. Now he's finding it difficult to pay the bills.

Find out how we helped Ray

Reduced income - money worries

Mira has had to take a pay cut

She's always been careful with her finances, but now she's on less money Mira is worried she can't cover the bills.

Find out how we helped Mira

No budget - money worries

Samir is struggling to budget

He'd come to rely on his credit card, but Samir doesn't know how to afford the repayments.

Find out how we helped Samir

Student - money worries

Nathan's money problems are affecting his studies

His final exams start soon, and he's worried about being able to afford his card payments.

Find out how we helped Nathan

Bereaved - money worries

Maureen has lost her husband

Losing her partner has changed everything; Maureen feels too overwhelmed to think about how to handle the finances.

Find out how we helped Maureen

Financial abuse - money worries

Could you be a victim of financial abuse?

Find out what financial abuse is and what to do if you, or someone you know, is being exploited by a partner, relative, friend or carer.

Spot the signs and learn how to get help PDF (636KB)

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.

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