Store card debt: your right to write it off (and how)

Store cards are some of the most expensive forms of credit in the UK, with APRs often exceeding 30%. If you're stuck with store card debt, here are your options.

Why store cards are so expensive

Average store card APR: **28-35%**. By comparison, an average credit card is 20-25% and a personal loan might be 5-10%. A £500 store card balance at 30% APR, paying only the minimum, would take **over 10 years** to clear and cost over £600 in interest.

Stop it growing

1. Stop using the card

Cut it up or remove it from your phone. Don't add to the balance.

2. Ask for an interest freeze

Call the store card company and say: "I'm in financial difficulty and would like to request an interest freeze while I repay the balance."

3. Transfer the balance

If your credit allows, transfer to a 0% balance transfer credit card. Even with a transfer fee, you'll save significantly.

Writing off store card debt

Store card debt is **non-priority** — it qualifies for all standard debt solutions:

Complaining about the card

If the store card was mis-sold (you were pressured at the till, not told the APR, or not properly credit-checked), complain to:

1. The store card company

2. The Financial Ombudsman Service (if rejected)

You may get interest refunded or the debt reduced.

Free help