Stabilise essentials → freeze or reduce interest/fees (varies by creditor/solution) → move to one affordable plan (DMP · IVA · DRO) with Breathing Space where suitable.
✅ Start Free Debt CheckStore card debt can creep up fast. Intro discounts end, interest rises, late fees kick in, and that “buy now, pay later” feeling turns into a monthly squeeze. If you’re juggling store cards alongside credit cards, catalogues, BNPL or overdrafts, you’re in the right place. We’ll help you stabilise your household budget, stop the spiral, and move to an affordable plan—often a single payment that fits real life.
This page explains how store cards work, what happens when you fall behind, and the practical routes to regain control (from Debt Management Plans to IVAs and DROs, where suitable). You’ll also find guidance on Breathing Space, dealing with collectors, and protecting priority bills like council tax and utilities.
Fast answers to: “Can I freeze store card interest?”, “Can I put store cards in a DMP?”, “What happens if I miss payments?”, “Will I get a CCJ for store card debt?”, “Does Breathing Space cover store cards?”, “What is persistent debt on store cards?”.
Start Free CheckStore cards are credit accounts branded to a retailer. They often come with in-store discounts or loyalty perks—but also higher interest rates than typical mainstream cards. Minimum payments can look small, yet interest and charges mean balances barely shift. (If you’re mixing store cards with catalogue or BNPL spending, progress can stall fast.)
Promotional periods end, purchases stack up, and a couple of late payments can trigger fees plus interest on interest. If you’re also covering essentials, it’s easy to fall into a pattern of paying the minimum and getting nowhere.
You can reset. With a realistic budget and the right route, interest and fees can often be frozen or reduced, and multiple debts rolled into a plan you can actually keep.
“Is a store card unsecured?”, “Can store card debt be included in an IVA?”, “How do defaults affect me?”, “Can I switch to DMP if I’m self-employed?”.
See If I QualifyWe always protect priority bills first: council tax, housing (rent / mortgage) and utilities. Once essentials are stable, we build a sustainable debt strategy that includes your store cards and other non-priority debts: cards, catalogues, overdrafts, loans, and BNPL like Klarna.
Missing priority bills leads to faster escalation—summons, liability orders, enforcement. Securing your essentials reduces risk and stress, and helps your store card plan stick.
We map your income and real living costs, then set a fair, affordable amount for your non-priority debts. Try our Debt Calculator to preview what’s realistic before we speak.
The aim is momentum: fewer creditors chasing, one predictable payment (where suitable), and a timeline you can live with.
Looking for “best way to pay off store card with other debts” or “link BNPL and store card in one plan”? This section is for you.
Build My PlanAn informal route where we ask creditors to accept a single affordable payment split between them. Many will freeze or reduce interest and charges. Flexible if your income varies and you want a non-insolvency option.
A formal, legally binding solution. You pay what’s affordable (usually monthly) for a fixed term; remaining eligible unsecured debt may be written off at completion. Offers strong protection from most creditor action. We’ll outline pros and cons for your situation.
For low income/low assets. Strict eligibility applies. Debts are usually frozen for 12 months and written off if your situation doesn’t improve in that period.
See Compare Solutions for a clear overview, then ask us for a tailored recommendation based on your numbers and goals.
“Can I include store card in a DMP?”, “Does an IVA write off store card debt?”, “Is a DRO suitable for small store card balances?”.
Get Advice NowSkim this page plus Compare Solutions, Breathing Space, and Stop Debt Collectors.
Share a few details so we can understand your situation and contact you.
Start Step 1No scripts or judgement—just a friendly specialist focused on your best outcome.
Not sure who you owe? We’ll guide a free credit check if you’re unsure. We also identify priority risks like council tax, housing and utilities.
Agree a fair monthly amount that protects essentials and treats creditors consistently. Try the Debt Calculator to see what’s possible.
We present your best-fit route—DMP, IVA or DRO (eligibility permitting)—and set expectations clearly.
Use our reference number with creditors and, where appropriate, Breathing Space while we finalise arrangements.
“How soon can calls stop?”, “Will interest be frozen during setup?”, “Can I add new arrears later?”
Collectors can be persistent—but calm, budget-backed communication works. We’ll help you respond in writing, keep records, and set realistic terms. Read: What is debt collection? and Stop Debt Collectors.
You may hear from firms like Lowell, Cabot, Moorcroft, Advantis, Link Financial, Capquest, Wescot, Resolvecall, Hoist, Robinson Way, Fredrickson, Moriarty Law, Drydensfairfax, or PRA Group. We’ll help you channel all contact through a single, affordable plan.
Don’t agree to a payment you can’t sustain. A short-term promise that breaks next month restarts the cycle. We’ll back your proposal with a clear budget so it’s defensible.
“Can bailiffs collect store card debt?”, “What to say when a collector calls?”, “How to log calls and letters properly?”.
Get Help NowIt’s common to owe across store cards, BNPL (e.g., Klarna) and catalogues. We can combine these with credit cards, loans and overdrafts into a single monthly payment (where suitable), so there are fewer moving parts and fewer surprises.
We try to keep you on track with ongoing household bills while gradually clearing legacy balances the sustainable way.
Searching “combine store card and Klarna payments” or “merge catalogue and store card debts”? This is the route we’ll explore.
Combine My DebtsIf you’re overwhelmed and need a pause while we build your plan, Breathing Space can help stop most enforcement and interest for a limited period (where eligible). We’ll explain how it works, what it covers, and whether it fits your circumstances.
We gather the facts, confirm your budget, and use the breathing period to set up a sustainable route. You’ll get a reference number to give to creditors and collectors.
Breathing Space is a pause—use it to put a long-term plan in place so things don’t bounce back later.
“Does Breathing Space include store cards?”, “Can I enter Breathing Space twice?”, “What happens to interest during Breathing Space?”.
Ask About PauseBudgets fail when they ignore real life. We include essentials first—housing, energy, food, travel, council tax—then set a realistic contribution to store card and other non-priority debts.
Self-employed or variable hours? We’ll design a plan with headroom and review points, so it flexes when life does. See Business Debt if you run a business.
Use the Debt Calculator to test what’s sustainable before we speak. It’s a smart head start.
We negotiate through a DMP or explore formal routes like an IVA or eligibility for a DRO. The goal is to stop balances growing and start real progress.
We prioritise stabilising your essentials and making a fair arrangement, so fees don’t compound the issue. Documentation and consistent payments help rebuild goodwill.
Rolling debts into one plan means fewer deadlines to miss and one predictable figure to budget around.
We’ll route contact through your plan and give you clear scripts. Read Stop Debt Collectors to feel more confident today.
“What if my store card is sold to a collector?”, “Can they add late fees after I’m in a plan?”, “How to challenge errors on statements?”.
Stop Charges NowDebt solutions can affect your credit file. For many people, stabilising the household and stopping the spiral matters more short term. We’ll explain trade-offs for your situation before you decide.
Many creditors may freeze or reduce interest/charges in a DMP; terms vary by creditor. Formal solutions like an IVA have different protections and outcomes. We’ll advise based on your creditor mix.
No—bring what you have. We’ll help you gather remaining details and guide a free credit check if needed.
We’ll help you respond calmly and set affordable terms. Read What is debt collection? and Stop Debt Collectors for immediate tips.
In some formal routes, remaining eligible unsecured debts may be written off at completion (e.g., IVA) or after a moratorium (DRO, if eligible). We’ll check whether that fits you.
DMPs are usually more flexible; IVAs have variation processes. Either way, we stay with you and adjust where the solution allows.
Once you complete the JotForm, we’ll call promptly (and WhatsApp if we can’t reach you). We start the fact-find and budget right away, prioritising urgent risks like council tax or utilities.
Yes—if arrears escalate and a claim is issued and not defended/settled, judgment can be made. See Stop Court Action for steps to prevent or vary orders.
In England & Wales, many unsecured debts can become statute-barred after six years with no payment or written acknowledgment and no court action. If you’re unsure, get advice before admitting or paying. Read Stop Debt Collectors.
In a DMP, many creditors may freeze or reduce interest/charges (not guaranteed). In an IVA or eligible DRO, protections differ and can be stronger.
Most personal debts qualify, including credit and store cards—Breathing Space can pause most enforcement and charges while you set up a plan. See Breathing Space.
If you’ve paid more in interest/fees than towards balance over 18–36 months, your lender may contact you to change payments or suspend use. Ask for an affordable plan that protects essentials.
Ask us directly and get a personalised answer within minutes.
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