Paying less each month on a credit card

The interest on the cards mounts up and up doesn't it, and once you get in arrears it can be hard to stop the spiral. I don't know how you are fixed financially generally, but transferring to an interest free balance transfer card might be one answer, provided of course that you dont purchase anything else using the card. and you cancel the existing one. Alternatively. an overdraft could work out cheaper. Failing that I'd have a chat to a money adviser at citizens advice who will help you look through your spending pattern and manage your finances better, and may be able to negotiate reduced payments with your card company. The important thing is to tackle it early, and stop using the card to pay anything else. Good luck