You may use your credit card as a way of budgeting for expensive costs like furniture and electrical items, or for regular costs such as your weekly shopping. Make sure you plan your spending so that your repayments are affordable.
Check what your credit card repayments will be if you spend up to your credit card limit. You can ask for your credit limit to be reduced so you are not tempted to spend more than you can budget for.
Use the Money Advice Service Budget Planner to help you check you’ll be able to manage your new budget.
Work out how long it will take to repay your debt if you just pay the minimum each month, and how much you’ll pay in interest. Use an online calculator from Which?.
If you can no longer afford your credit card repayments, you need to stop spending on your card.