Help Paying Bills With A Pay Cut

Mira took a pay cut to keep her job

Now it's suddenly much harder to make ends meet

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 work 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.

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.

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:

0800 051 8346

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.

Or alternatively...

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.

More about the app

Write to us at:

Barclaycard Centre

Norwich way

Kirkby Town Centre


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 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.

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.

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.

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, opens in a new window, third party site