If the minimum monthly repayment amount is as low as 2% of the card balance, the interest can often exceed the amount owed.

This means that simply making the minimum repayments will never be enough to pay off the credit card debt in full.

A late payment fee may also be added for payments after the due date.

Personal credit cards provide a convenient and widely accepted way to pay for general and household expenses.

Some of their features, however, may lead you into debt, particularly when your income is reduced and you are adjusting to changed financial circumstances.

Other cards on the market simply offer a standard low interest rate for the life of the credit card.

See how much your debt is costing you with our repayment calculator: A quicker way of paying off your credit cards debt is to gradually increase your monthly repayments over time.

Your credit card provider is then required to halt the court proceedings to see if the matter can be resolved by the EDR scheme.

Keep a record of all details of your contact with your lender, including the date and time of any calls, and the name of the person you spoke to.

Many of us have been where you are today, and understand the emotional burden that debt can place on a person.

Please contact us so that together, we can find a better way out of debt. We're so confident that we can help you achieve your goal of becoming debt-free in a reasonable time, that we back it up with a 6-month 100% money back guarantee on the services, support, and benefits you receive.

Available options include requesting a lower credit limit or cancelling the card.

Ultimately, though, you need to take control of your spending and avoid using your credit card to buy goods and services that you simply cannot afford.

Many people may think of getting a second credit card when they are struggling to make payments on the first. If you use one card to make payments on another or to keep making purchases beyond your means, your debt will spiral out of control.