Help Paying Credit Card Debt

He’d come to rely on his credit card to spend, but now Samir is up to his limit and can’t afford the repayments

Samir's story

Originally, Samir took out a credit card to fill the gap between payday and the end of the month. He could always cover his minimum amount comfortably, so he started using credit to shop and go out instead of his debit card – that way he could worry about repayments after payday.

But then his credit card was declined and Samir realised he'd reached his limit. Now he owed higher repayments than he could afford, he couldn't rely on his credit to spend, and his finances were keeping him up at night.

At first, Samir planned to stop spending for a month or two to get his outstanding balance lower – then he could go back to using the available credit as before. But soon he found himself back in the same position, only this time:

  • Samir had exceeded his credit limit by accident
  • he had applied for a payday loan to make a payment on his credit card
  • he had borrowed money from his brother and couldn’t pay it back

How Barclaycard helped

Samir was feeling overwhelmed with credit card bills, fees and payday loan repayments. When his brother confronted him, he found out what had been going on and asked Samir to call Barclaycard straight away. Samir got through to one of our support team, Anne.

  • Anne gave Samir time to explain things in his own words and wasn't judgemental or demanding, as Samir had feared

  • Together they created a plan for Samir to make affordable payments while Anne explained what information she needed, as well as how it would affect Samir’s credit score and what could be done to help

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


Samir hated the idea of telling Barclaycard what was going on. But Anne helped put a working plan in place and showed him where to create a budget online. With some light at the end of the tunnel, Samir finally began to feel like the weight was lifting.

Does your story sound like Samir's?

Feeling like you have no money and too many repayments can be overwhelming. But you don’t need to handle it alone. Call us as soon as you can and let us know what’s going on.

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 046 8324
Calls to 0800 and 0808 numbers are free from UK landlines.
Mobile charges may vary.

0330 159 5980
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
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

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.

Get local debt help

Contact Citizen's Advice Bureau for a list of debt counsellors in your area.

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


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