Is creditcardhelp.uk really free?

Yes, creditcardhelp.uk is 100% free to use. There are no hidden costs, no premium tiers, and no payment required. The tool is completely free now and forever.

What is the difference between Snowball and Avalanche debt payoff methods?

The Debt Snowball method pays off your smallest balance first for quick psychological wins, while the Debt Avalanche method targets the highest interest rate first to minimise total interest paid. Our calculator compares both strategies so you can choose the best approach for your situation.

Is my financial data safe and private?

Yes. We only store your email address and an encrypted password hash. We never store full card numbers, your name, address, or bank details. Your data is never sold or shared. You can delete all your data instantly at any time.

How does the credit card debt calculator work?

Enter your credit card balances, APRs, and minimum payments. Set your monthly budget. The calculator uses mathematical models to compare Snowball and Avalanche payoff strategies, showing you exactly when you'll be debt-free and how much interest you'll save with each method.

Do I need to enter my full card number?

No. We only ask for the last 4 digits of your card for your own reference. We never need or store full card numbers, sort codes, or bank account details.

Create Your Free Account

Already have an account? Sign In

Privacy Promise: We only store your email and encrypted password. No personal details, no tracking, no selling your data. Delete everything at any time.

Back to Home