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    • Alibabaras
    • By Alibabaras 4th Oct 17, 9:36 PM
    • 4Posts
    • 0Thanks
    Credit Card Debt out of control
    • #1
    • 4th Oct 17, 9:36 PM
    Credit Card Debt out of control 4th Oct 17 at 9:36 PM
    Hi, I am new to this forum! I need help urgently, I have a credit card debt which has now reached its limit at nearly 14,000 with over 300 a month minimum payment. I have had my card 10 years and over the last 3 years I have got made redundant and had a child with childcare costs that take over half my wages "I work fulltime" but finish early and make up the hours at home as the childcare costs would just take 3/4 of my wages. I go to work for nothing as I started using my card as my income doesn't last each month. I do not know where to turn. I cannot declare myself bankrupt as I'm scared that will try and take the money from the house which is not much and there is still 20 years mortgage on it. I have tried to apply for other cards but have only got offered for 1 which was for 1000 only.
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    • DCFC79
    • By DCFC79 4th Oct 17, 9:39 PM
    • 30,930 Posts
    • 19,561 Thanks
    • #2
    • 4th Oct 17, 9:39 PM
    • #2
    • 4th Oct 17, 9:39 PM
    Maybe post on the debt free wannabe board, its the 4th board down the list.

    You have 2 choices either you cut back on your spending or increase your income. Maybe a dmp is what you need.

    Id stop looking for cards to be honest.
    Last edited by DCFC79; 04-10-2017 at 9:45 PM.
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
    • zx81
    • By zx81 4th Oct 17, 9:41 PM
    • 15,505 Posts
    • 16,448 Thanks
    • #3
    • 4th Oct 17, 9:41 PM
    • #3
    • 4th Oct 17, 9:41 PM
    Best place to find support is the DFW boards.
    • Alibabaras
    • By Alibabaras 4th Oct 17, 9:43 PM
    • 4 Posts
    • 0 Thanks
    • #4
    • 4th Oct 17, 9:43 PM
    • #4
    • 4th Oct 17, 9:43 PM
    I have moved my post

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