Credit Card Debt Management

Our Online Card Buys *

	Typical APR Variable	Max Int Free
	13.9%	56 days
	13.9%	56 days
	14.9%	56 days
	14.9%	56 days
	14.9%	56 days
* Based on Lowest Standard Rates and is not a full search of the whole market

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Your credit card can be a powerful tool to help with your debt management. Credit card debt management means you should seek out a long-term low interest rate credit card to allow you to pay down debt that costs you less overall. Do remember NOT to keep on spending, however.

Alternatively you could create a breathing space for yourself by opting for a credit card with a long 0% introductory offer on a balance transfer, to cut your outgoings down in the short term.

You may also want to consider clearing your credit card completely by using a personal loan to restructure your debt.

On the other hand, if you are really struggling to meet your repayments and need credit card debt help then, in the first instance, you should contact your credit card issuer and explain the situation to them.

A number of organizations may be able to assist you with credit card debt help, including your local Citizens Advice Bureau, the Consumer Credit Counselling Service and the National Debtline.

The important thing to remember is that there are people who can offer credit card debt help. Face the situation pro-actively and youll find it easier to deal with.

Read our debt consolitation guide for more information on debt managment

Have you had problems with a credit card application? Click here for credit cards specifically designed for people with an adverse credit history.

Last Updated: May 2007 © Moneyextra.com

Our senior editor Robin Amlôt recommends you should consider taking independent financial advice before acting on any article. Please contact us for help with your individual circumstances if any assistance is required.