Credit cards are widely available in the UK today and are a common way to shop instead of using cash or cheques. You pay for your items with your card and are sent a bill, usually once a month. When you borrow money the lender makes their money by charging you interest.
The following sections contain further detail about credit card debt.
Debt Consolidation Explained contains general information only. We strongly advise you to seek qualified professional advice before taking any action.