Store Card Debt Help & Advice
Get support with store card debt. We’ll talk you through your options like our IVA, debt management and relief plans.
- Write off 75%* of unaffordable debt
- One lower monthly payment
- Stop creditor hassle and bailiffs
- Access mental well-being services
Your credit rating may be affected if you opt for a debt solution.
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100% FREE ADVICE
Get information today on your available options
Struggling With Store Card Debt? We Can Help
Store cards can seem convenient at first; easy approval, exclusive discounts, and flexible spending. But, if the balance keeps growing and the interest starts piling up, it’s easy to feel trapped.
At PennyPlan, we help people deal with store card debt every day. Whether you’re behind on payments, worried about debt collectors, or struggling to manage multiple accounts, our advisors are here to guide you through your options and help you find a way forward.
As seen on:
Support for the Most Common Store Card Debts
Store card debt can build quietly in the background; a few purchases here, a minimum payment there. But when the balance won’t go down and interest keeps climbing, it can start to feel like you’re stuck.
Whether you’ve missed a few payments or are already hearing from collectors, we can help. Our team speaks to people every day facing the same pressure. We’ll guide you through your options, explain what’s possible, and support you in finding the right way forward.
Argos card debt can quickly become overwhelming, especially with high interest and tight payment terms. If you’re behind or being chased, we’ll help you understand your rights and find a plan that relieves the pressure.
Next Pay accounts offer flexible payments, but missed bills can lead to late fees and account restrictions. If you’re feeling overwhelmed, we’ll talk you through your options and help you regain control.
If your JD Williams account is getting out of hand, you’re not alone. These store cards can become hard to manage once interest stacks up. We’ll help you find a repayment plan that fits your budget and stops the stress from escalating.
New Look store cards can seem manageable until interest and missed payments start to build. If you’re getting reminders or feeling overwhelmed, we’ll help you explore your options to get you back on track.
We Help With Most Debts - Not Just Store Cards!
*Mortgage debt can be included if you no longer own the property in question.
- Credit Cards
- Loans
- Overdrafts
- Store Cards
- Mortgages*
- Catalogues
- Council Tax
- Benefit Debts
- Utility Bills
- Payday Loans
Example Of An IVA
UNSECURED DEBTS
Your Monthly Repayments:
Find out for FREE what debt help is available to you
Subject to creditor acceptance. Payment subject to individual circumstances.
Credit Rating may be affected. Fees apply, subject to individuals circumstances.
Reasons To Choose PennyPlan
- Stop all interest & charges
- Write off debt
- Access well-being services
- Reduce monthly payments
How To Deal With Store Card Debt
If you’re feeling stuck with store card payments, you’re not alone. Missed deadlines, rising interest, and collection letters can quickly turn a simple account into a source of stress.
Some retailers may offer repayment plans, but if you’re managing several debts or falling behind elsewhere, a formal debt solution could make more sense. This might include a Debt Management Plan (DMP) to simplify what you owe, an Individual Voluntary Arrangement (IVA) to protect you from further action, or a Debt Relief Order (DRO) if your income and assets are limited.
Our team will help you weigh up the options, explain what each one involves, and support you in finding a plan that gives you space to move forward.
Store Card Debt Repayment Plan Options
Understanding the options available to deal with store card debt is the first step towards taking back control. Our goal is to help you find a manageable way to reduce the pressure and move forward with confidence.
What works best will depend on your circumstances, which is why one of our specialist advisers will take the time to talk it through with you and explain the routes available.
IVA
Individual Voluntary Arrangement
An IVA consolidates debts into one affordable plan, with some store card debt potentially written off.
DMP
Debt Management Plan
A repayment plan that combines debts into one monthly payment. Interest can be reduced or frozen, helping ease financial pressure.
DRO
Debt Relief Order
A debt reduction programme for those on low income. Certain debts can be cleared, with no ongoing payments required during the DRO.
Find Out For FREE What Debt Help Is Available To You
Get Help With Store Card Debt Today
We’ve helped people across the UK take control of their debts and get their lives back on track. Our trained advisers will assess your individual situation and guide you towards the best way to manage and resolve your finances.
Do I Qualify
For an IVA?
100% FREE ADVICE
Get information today on your available options
Ready To Take Control Of Your Store Card Debt?
If you’re finding it hard to stay on top of store card payments, now’s the time to take action. Whether it’s missed bills, rising interest, or calls from debt collectors, we’re here to help you feel more in control.
Our advisors will take the time to understand your situation, explain your options clearly, and guide you toward a solution that fits your needs.
Start moving forward with confidence and talk to us today.
- One lower monthly payment
- Write off 75%* of unaffordable debt
- Freeze interest & charges
- Stop legal action including bailiffs
- Receive FREE well-being sessions
What Happens If You Don’t Pay A Store Credit Card?
If you miss store card payments, you may face late fees, growing interest, and damage to your credit score. Over time, the account could be frozen or passed to a debt collection agency.
You might also receive letters, phone calls, or even face legal action such as a County Court Judgment (CCJ). Getting help early can make it easier to deal with the debt and avoid further stress.
Tackle Your Debt And Your Mental Health In One Place
Our team are committed to getting your finances and well-being back in top condition
Apply for our eligibility check
Find out if you match the minimum criteria we require to enter you into one of our IVA plans
Speak to our debt specialists
Speak to our friendly debt specialists, who will explain all the options available to you.
Choose your debt solution
Now you have all the options available, you can make an informed decision that is right for you and your family.
Do I Qualify
For an IVA?
What Our Customers Say About Us
Maria
3 days ago
PennyPlan were extremely professional and genuinely caring, I am very happy that I made the call and now have a plan in place and peace of mind. From the first contact to the signing of the agreement it was straight forward and simple plus the staff really are exceptional in the way they listen and understand’ I couldn’t have asked for a better company.
Emily
4 days ago
For over a decade I have kept my money worries to my self away from friends and family one phone call with Leah and I had laid it all bare without a second thought nothing shocked her and nothing wasn’t sortable I’m forever grateful I stumbled across this company and no longer have to worry about money on my own. Highly recommend!!
Daniel
4 days ago
PennyPlan offered insightful, professional and empathetic support throughout my insolvency. Declan in particular was friendly, personable and knowledgeable, and a massive help throughout the process. They offer a no pressure service and allow you to make the best decision for yourself. I highly recommend these guys for anyone struggling with debt.
Mark
1 week ago
I was hesitant in applying for an IVA, But my mind was put at ease on the first call. The whole process was explained to me with complete care and understanding and I didn’t feel judged at all. Since being accepted for the IVA my mental health has improved so much and I now don’t worry about how I am going to put food on the table each week.
Store Card Debt FAQ’s
Yes. If you miss payments or go over your limit on a store card, it can be reported to credit reference agencies and lower your credit score. This may affect your ability to borrow in the future.
Yes. If you’re falling behind on payments to Argos, Very, or any other UK store card, we can help you understand your options and explore a debt solution that fits your situation.
Store card debt is usually unsecured, which means it can be included in most formal debt solutions like a Debt Management Plan (DMP) or Individual Voluntary Arrangement (IVA). Our team can check what applies to you.
No, you can’t go to jail for unpaid store card debt in the UK. However, ignoring the debt could lead to court action or a County Court Judgment (CCJ), which can affect your finances long-term.
In the UK, store card debt may become statute-barred after six years if no payment or contact has been made, but this can be complex. It’s best to get advice based on your exact situation.
Many store card providers offer payment plans, but if you’re juggling multiple debts, a structured solution like a DMP or IVA may be more effective. We can help you explore the best option.
