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 Support?

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

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

An expert will go through your budget with you

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.

We'll negotiate a new plan with your creditors

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

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.

 

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.

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.

Get your debts under control today