Credit card debt can feel like a heavy weight on your shoulders—especially when you're juggling high interest rates, minimum payments, and mounting stress. If you're constantly worried about your next statement, you're not alone. Thousands of people across the UK are in the same boat—and the good news is, there is a way out.



At Step Away Debt, we help individuals just like you regain control of their finances and start fresh, with dignity, clarity, and support.

Here’s how you can get out of credit card debt without losing your sanity.

1. Take a Breath and Face the Numbers

The first step is always the hardest but also the most empowering. Gather all your credit card statements and calculate your total outstanding balance, interest rates, and minimum payments.

Understanding the full picture helps you take control rather than avoiding the problem. Avoiding it only makes it grow.

Tip: Use a spreadsheet or free budgeting app to keep everything in one place.

2. Prioritise and Plan Your Payments

There are two popular strategies for tackling debt:

Snowball Method: Focus on paying off the smallest balance first while making minimum payments on others. Great for motivation.

Avalanche Method: Focus on the card with the highest interest rate first. This saves more money in the long run.

Choose the approach that works best for you and stick with it.

3. Stop Using Credit—At Least for Now

This might sound obvious, but it's crucial: don’t add to your existing debt while trying to pay it off. Lock your cards away or remove them from digital wallets temporarily to avoid impulse spending.

Instead, build spending habits based on what you earn, not what your credit limit says.

4. Speak to a Professional—Don’t Do It Alone

This is where Step Away Debt comes in.

We know that no two financial situations are alike. Whether you're struggling with credit card debt, store cards, or payday loans, our free, confidential advice can help you explore realistic solutions—like Debt Management Plans (DMPs) or Individual Voluntary Arrangements (IVAs).

We’re not here to judge. We’re here to help you take the first step toward freedom.

5. Consider Debt Relief Options

If your debt has spiralled and repayments feel impossible, formal solutions may be your best option:

IVA (Individual Voluntary Arrangement): Freeze interest and write off a portion of your debt over a fixed term.
Debt Management Plan: Make one affordable monthly payment to creditors without a legally binding agreement.
Debt Relief Order (DRO): For those with low income and few assets, this can write off debts after 12 months.
These aren’t one-size-fits-all solutions, but they can provide real relief when used appropriately.

6. Celebrate the Wins (Big and Small)

Every payment you make, every step you take toward becoming debt-free—it matters. Keep track of your progress and celebrate your achievements. This isn’t just about money—it’s about peace of mind.

Final Thoughts: You Deserve a Life without Debt Stress

Getting out of credit card debt isn’t easy, but it is possible and you don’t have to do it alone. At Step Away Debt, we’re here to help you make informed decisions and support you at every step of your journey.

For more information visit our website: https://stepawaydebt.com/