credit card debt help

radioriot

Hi all, I have read up on credit cards and am really unsure what is best for me ao would love some help.

I have a hsbc credit card with £4500 worth of debt from my student days, I am unemployed and can't afford the payments, what is my best option?

Thanks

sistafromanothermista

Can you not look for a job?

radioriot

I am looking for a job, don't be so judgmental

CLAPTON

radioriot wrote: »

Hi all, I have read up on credit cards and am really unsure what is best for me ao would love some help.

I have a hsbc credit card with £4500 worth of debt from my student days, I am unemployed and can't afford the payments, what is my best option?

Thanks

some details about your situation would be useful.
income
spending
min payments on the card
have you missed any payments
any other debts

sistafromanothermista

radioriot wrote: »

I am looking for a job, don't be so judgmental

It was a question not a judgement :wall:
Clarify your threads a little and provide extra info without getting mardy and you *might* get somewhere.....

sistafromanothermista

Are you claiming all the benefits you're entitled to?

StressedSteph

Hi RadioRiot,

Not sure how to help , but it is always worth calling them to see if maybe they will accept a smaller payment or reduce the interest for a while, while you try to find a job.

Maybe you could accept a not-so-great job for a while, like supermarket shelf stacking. I did this in the evenings as was embarrassed , bet they are crying out for workers with the Christmas rush coming on. That would take the pressure off until you find a nicer job.

Might be a good idea to post your "Statement of Affairs", someone might hopefully provide you with a link in abit or search for SOA in the top right search box.

The lovely folk on this site might be able to help you cut your monthly outgoings so you can meet your CC repayments.

Theres lots of people on here, me included in a much more dire situation than you, so don't despair, there is always a way to sort it.

StressedSteph

radioriot

sistafromanothermista wrote: »

It was a question not a judgement :wall:
Clarify your threads a little and provide extra info without getting mardy and you *might* get somewhere.....

Apologies, but i have been trying so hard to get a job. i am on Jsa and am claiming what I am entitled to.

Even with keeping my costs to a minimum i can only make minimum payment.

sistafromanothermista

radioriot wrote: »

Apologies, but i have been trying so hard to get a job. i am on Jsa and am claiming what I am entitled to.

Even with keeping my costs to a minimum i can only make minimum payment.

That's ok
Well minimum payment is fine until you find something.
As Stressedsteph says by posting an SOA (which you can find on sticky at top of the board) this will lay it all out for you and also allow us to see if there are any areas you can cut back on.


Could you not find something temp at an agency? there are a lot of places taking on temp christmas staff at the moment....

Toomuchdebt

Argos always take on extra staff at this time of year.Or you could get a cleaning job-I am a cleaner-it's not ideal but it's a job.