Paying off credit card debt.

Credit card debt can quickly get out of hand, especially when interest keeps piling and payments you make barely make a dent. But there are ways to take control of this type of debt and as long as you seek help early, you’ll have a range of options available to you.  

It’s worth keeping in mind that because credit cards fall under the Consumer Credit Act, your provider could take legal steps like applying for a county court judgment (CCJ) or bringing in a debt collection agency if payments stop. But that’s often a last resort and there are steps you can take to avoid this.  

This guide is here to help you understand your situation, explore your options, and take practical steps toward becoming debt-free.