Help Paying Bills With A Pay Cut

Mira's story

It was difficult enough accepting a pay cut from her employer, but after the first month Mira realised her income no longer covered her outgoings. So the credit card repayments she'd budgeted for suddenly looked impossible to pay without missing other bills like her rent and Council Tax.

As a single mother, Mira was becoming more and more concerned that she would have to start making cuts on the things her kids were used to. With life at work now going from bad to worse, she couldn't even plan ahead. By this point:

  • Mira was fast approaching her credit limit trying to cover the weekly shop
  • she didn’t want to borrow more, but she felt like there was no alternative
  • panicking, she had stopped opening her credit card bills

Meanwhile, rumours at worked suggested Mira might soon be out of a job altogether. She'd always been very careful with her finances, but she hadn't foreseen losing her income like this. She had no idea what to do next.

How Barclaycard helped

Mira was beginning to dread her bills, and soon she knew the phone would start ringing with lenders chasing payments. Not knowing where to turn or what to do, she rang us and got through to one of our support team, John.

  • John gave Mira time to explain things in her own words and wasn't judgemental or demanding, as Mira had feared

  • Together they created a plan for Mira to make affordable payments while she looked for a different job. John explained what information he needed, as well as how it would affect Mira's credit score and what could be done to help

  • He checked that Mira 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

Having never been in this situation before, Mira was embarrassed and didn't want to contact Barclaycard at first. But after speaking to John, she felt like she was getting back in control of her finances and that things wouldn't be so bad.

Does your story sound like Mira's?

A sudden change in your financial situation can make you feel like you’ve lost control, even if you’re trying your best and have done nothing wrong. Jobs and income can change at any time – usually without warning, and can have serious financial consequences.

But you’re not alone.

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
Knowsley
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.






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