Help For Students With Credit Card Debt

He’s coming up to his final exams, but it’s financial problems keeping Nathan up at night

Nathan's story

He was already working a part time job, but Nathan still couldn’t pay his card bill and the extra shifts he’d picked up made him miss some important lectures.

With exams on the horizon, Nathan wanted to pull back his shifts and focus on his final term. But he knew that if he did that, he'd get further behind with his repayments.

Knowing he had to do something, Nathan decided to call Barclaycard and find a way to get through his exams without worrying too much about money. He knew things were getting out of hand because:
 

  •  his portion of the rent was overdue and his housemates were angry
  •  he’d borrowed money from a friend and couldn’t pay it back
  •  he was up to his credit limit and incurring late payment fees

How Barclaycard helped

When he rang us, Nathan got through to one of our support team, Sandra.
 

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

  • Together they created a plan to get through his last term, making payments Nathan could afford for now and putting a longer term plan in place so he could catch up when he was out of university and in employment

  • Sandra explained what information she needed for this, as well as how it would affect Nathan's credit score and what could be done to help

  • She checked that Nathan 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

 

Having talked to Sandra and put a plan in place, Nathan felt like a weight had been lifted. With his debt being paid in manageable amounts, the letters stopped and now he could focus on getting good grades and setting up a job to go to after university.

Does your story sound like Nathan's?

Leaving university can be a daunting prospect at the best of times, so the last thing you want is to start out with financial troubles. And with coursework and exams on your mind, worrying about money can be a distraction you don’t need.

But it doesn’t have to be that way…

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
 

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 logo

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.

National Debtline logo

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.

Looking for advice on student finances?

Save the Student provides free impartial advice to students on how to make your money go further.

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.

Feel like there's no-one to turn to?

You can talk to The Samaritans  anytime you like, in your own way, and off the record.

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


Chat with a National Debtline advisor

National Debtline is a third party charity offering free independent advice on how to deal with your debts. For practical advice about your options, chat online with a National Debtline advisor*.

Chat online with a National Debtline advisor

 

*By clicking this link you’ll leave Barclaycard and be transferred to National Debtline – never reveal your account details, PIN or passwords to third party organisations or advisors.