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credit card help!!
Tracy1pic
Posts: 2 Newbie
I stupidly got into debt a few years ago and I’m paying it all off as much as I can. A 0% interest credit card is due to expire and the cost will got from £63 a month to £114. I dunno what to do! I simply cannot afford it. The sum due is £3082. I just don’t know what to do. I can’t get another 0% interest for that amount. I’m just at a loss. Can anyone advise what the credit card company could do to help? I will call them tomorrow. Just for peace of mind I need help. My anxiety is running riot x
0
Comments
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Hi,
No need for anxiety, if you cannot afford your current credit commitments then maybe some form of debt management plan may be appropriate.
Credit card companies only tend to approve short term payment arrangements, any long term solution must be organised through one of the free debt charities.
However, we won’t know until you complete a statement of affairs for us, which can be found here :
http://www.stoozing.com/calculator/soa.php
Complete to the best of your ability, and don’t forget to format for MSE.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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