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Clear credit card debt

If you repay your credit card bill on time and don’t let debts build up, credit cards can be a good form of short term lending that can help you through tight financial situations.

Sadly though, more and more people have been relying on credit cards to pay for food and household bills – resulting in a spiral of debt that’s difficult to break. But there is a way to beat credit card debt. And we’re here to help you find out how…

Be cautious about credit card spending

In recent years, credit cards were relatively easy to obtain, and as such, played a pivotal role in debt escalation in the UK.

With high APR rates, debt can easily build up on credit cards if purchases haven’t been paid off in their entirety – making them a very expensive form of credit for long term lending.

So if you’ve been using your credit card to pay for rent, bills and food because you don’t have enough to pay for them during the month, you will end up with a large credit card bill that you’ll struggle to repay.

How to clear credit card debt

1) Create your own repayment plan: If you can transfer the balance of your credit card to another with 0% APR, then you could set up a Direct Debit to repay your credit card debt.

Make sure you know how long this period will last for and pay off as much as you can afford and take advantage of the fact that you won’t be paying any interest on your debts.

2) Get professional help: If you are struggling to repay your credit cards, you could consolidate your debts into a lower, easier to manage repayment plan such as a Debt Management Plan.

What will Baines & Ernst do for me?

  • Negotiate more affordable repayments with your credit card companies
  • Request that they freeze interest and charges
  • Distribute payments to your credit card companies every month
  • Provide clear debt advice every step of the way

Find the right solution

Answer a few simple questions and we'll help you find your solution.
  • Total unsecured debt: £500

  • This field is for validation purposes and should be left unchanged.

Find the right solution

Answer a few simple questions and we'll help you find your solution.
  • Total unsecured debt: £500

  • This field is for validation purposes and should be left unchanged.

Debt advice you
can trust...

Debt Advice You Can Trust
We are committed to providing the highest standard of service to our customers and helping them find their way out of debt with the most appropriate debt solution.

Money Advice Service

You can get free debt advice from the Money Advice Service – an organisation set up by the Government to offer free and impartial advice to those in debt. Click here for more information.