Benefit From Credit Card Debt Management

Regain Control & Reduce Credit Card Debt

When credit cards get out of control and you don’t know where to turn, talk to Just Budget.

Clear Repayment Structure

Frozen Interest Rates

Single Regular Payment

What is Credit Card Debt Management?

Mounting credit card debt can feel overwhelming and impossible to escape. It often leads to stress and anxiety, making it seem like your finances are spiralling out of control. Many Australians are experiencing this burden.

If you’re struggling with credit card debt, managing it effectively can help ease financial worries and save money. There are ways to take control and regain financial stability.

Just Budget’s credit card debt management system helps negotiate lower debt and repayment amounts with creditors. We also work to reduce or eliminate interest, tailoring a plan to suit your financial situation.

Check out what our clients say

    
 
 
        
   joshua mccarthy 
 8 October 2026
 
 
  I would highly recommend Pat from JustBudget. Pat was incredibly helpful and took the time to understand my financial situation and find a solution that worked for me and my family.

The whole process was explained clearly, Pat was easy to communicate with, and I never felt judged about my circumstances. I really appreciate the time, effort and support Pat provided in helping me find a financial solution and giving me some peace of mind.

Thank you so much, Pat, for all your help. It has made a real difference for us!
  
 
       
   Bijoy 
 2 October 2026
 
 
  Abigail had been fantastic and is helping me with my debt
  
 
       
   miki filipovic 
 1 October 2026
 
 
  Very helpful,  all information given that actually makes sense, would recommend to everyone
  
 
       
   Alexander Bellotti 
 30 September 2026
 
 
  I was treated with respect and kindness and I recommended JB to anyone who is in financial difficulties as they sort all out and do exactly what they advise you and they keep you informed through the whole process 💯
  
 
       
   Ashton Casey 
 30 September 2026
 
 
  Exceptional customer service representatives, Very informative and thorough understanding of real life situations. Both Pat and Abigail where a dream to work with.
  
 
       
   Devika Padmakumar 
 26 September 2026
 
 
  Pat was very patient and helpful throughout. Clarified all my doubts and gave me suitable option.
  
 
       
   Camilla Mapula 
 24 September 2026
 
 
  Pat was very helpful. He has answered all my questions and understood my current situation. Pat was very thorough.  Thank you for letting me understand how your company works.
  
 
       
   Brett HB 
 22 September 2026
 
 
  I’m debt free thanks to the amazing team, i didnt think i would be in this position. They are super helpful, friendly and do what they say.
If your in a position of financial stress and need help, definitely contact these guys first
  
 
       
   Caitlin 
 22 September 2026
 
 
  Pat was really helpful, he answered every question I had to ask. Overall very happy with his service
  
 
       
   Turongo Neha 
 18 September 2026
 
 
  Thank you so much i rate Just budget amazing, easy to work with they do all the work all u do is click from ur fone, if there were 10 stars i would rate u that,  thank uz exspecally keanu vanerhide, 10 stars buddy thanks
  
 
       
   Tash Maree 
 17 September 2026
 
 
  the team at just budget helped me stick to my payment arrangement with debts i had struggled with completing payments over the years and racking up more. they listened to my struggles and made me feel seen for financial mistakes i made, i appreciate the team so much for being so supportive and understanding, helping me take this step to financially bettering my future
  
 
       
   Hassan Ismail 
 17 September 2026
 
 
  “I had a fantastic experience speaking with Pat Neupane. From the moment the call started, Pat was incredibly friendly and attentive, making sure all my questions were answered. The level of customer service provided was exceptional, and I truly appreciate the support. Thank you, Pat, for your outstanding service!”

Nat 🙏🙏
  
 
       
   Singapura Academy 
 17 September 2026
 
 
  Great helpful officers and advisers!
  
 
       
   Chantelle dierickx 
 16 September 2026
 
 
  Just Budget went above and beyond with advise, customer service and the services i needed. I highly recommend them
5 stars is not enough to give i rate higher
  
 
       
   Savuth Tak 
 16 September 2026
 
 
  Pat was great. He reolve all my issues and made it easy. Recommended
  
 
       
   Jessica Danckert 
 15 September 2026
 
 
  Just Budget have been amazing to deal with so far! Keanue has been an absolute pleasure to deal with and is very helpful and understanding. If you are struggling to make ends meet, I highly recommend Just Budget!
  
 
       
   josef hanson 
 15 September 2026
 
 
  Pat was a legend helping me consolidate all the little debts that were just getting missed and out of control giving me less stress and more time with my new born daughter
  
 
       
   Steven Parr 
 15 September 2026
 
 
  I highly recommend just budget to anyone that finds themselves in to much debt.the customer service is outstanding and they understand and really want to help.if not  for them I don't know what I would have done.once again there customer service is second to none..I'm dealing with abby and she is absolutely wonderful. Thankyou so much again..easy 5 star..
  
 
       
   Ana Veloutsos 
 15 September 2026
 
 
  Pat and Alana from Just Budget are very professional and helped me out which i am very happy and much relief
  
 
       
   Bradley Redman 
 14 September 2026
 
 
  Keanue was great made the whole process easy and explained everything

Watch how it works

With over 30 years of financial expertise, Just Budget has the tools to help you become debt-free. Find out how Credit Card Support works:

We Provide Credit Card Support in 3 easy steps

1. An expert will go through your budget with you

This helps us understand what you can afford so you can get the best credit card debt management solution possible.

2. We'll negotiate a new plan with your creditors

This will be on your terms, based on what you can afford. You will only pay us moving forward.

3. You'll be on a clear pathway to becoming debt-free!

With the new debt relief plan underway, you'll make easy, reduced payments to us until you're debt-free!

Common Questions

How much credit card debt is there in Australia?

If you think you’re alone battling credit card debt, think again. As of November 2020, there were 13.6 million credit cards in Australia, with a national debt of $21.2 billion accruing interest.

On a personal level, the average Australian carries a credit card balance of $2,936. Many are spending around $29,650,949,374 on credit cards each year — that’s over $29 billion.

The standard credit card interest rate in 2020 was 19.94%, making it even harder to pay down balances. According to Finder, 68% of Australians have a credit card, with younger generations more likely to have multiple cards.

How can I stay in top of my credit card debt?

If you’re struggling with credit card debt, don’t ignore it. Missing payments can harm your credit score, leading to long-term consequences.

Start by reviewing your budget to see where you can save and what you can afford to pay.

At Just Budget, we offer a free budget planner to help you take control. After that, we’re here to help negotiate a payment plan, lower your interest, or reduce your balance.

Do you have tips to help reduce my credit card debt?

Acknowledge your credit card debt and take control – ignoring it won’t help. Start by cutting back on non-essential spending and using your debit card instead.

Create a budget to identify the problem areas and aim to pay more than the minimum balance each month. Paying only the minimum allows interest to build, making it harder to get ahead. Just Budget offers expert credit card support and can help you create a tailored payment plan to effectively reduce your debt.

Get your credit card debt under control today

If you qualify, your Credit Card Debt Management plan could be finalised within 24 hours, and you could start enjoying the benefits immediately.