Help Paying Credit Card Debt
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
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 or via the Barclaycard app to make debit card payments, change payment due dates and, when he could afford to, set up a Direct Debit
She also advised that there is free help and advice available and that he should also check out the government website for information and services available to him. We’ve included links to organisations that offer independent help and advice in the ‘Other ways to get help’ section below.
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.
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.
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.
Write to us at:
Kirkby Town Centre
If you're struggling with a few different debts or money worries in general, there are organisations that may be able to help:
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.
To protect the privacy of our customers, we have used photographs of actors and fictitious names, but they are based on real situations.
(27.9% compound equivalent)
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.