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.

Service Agreement

Terms of Service

Last updated: 09/02/2026

Important Notice

creditcardhelp.uk provides general information and tools for personal budgeting. We are NOT regulated financial advisers and do NOT provide regulated financial advice.

1. About This Service

creditcardhelp.uk ("the Service") is a free online tool operated by Brindleford Tech that helps users plan their credit card debt repayment. The Service provides calculations, strategy comparisons, and AI-generated suggestions based on information you provide.

2. Not Financial Advice

Disclaimer

The information and tools provided by this Service are for general informational purposes only. They do NOT constitute:

Regulated financial advice

Debt counselling

Credit advice

Legal advice

Tax advice

Need Professional Help?

For professional debt advice, we recommend contacting free UK debt charities: StepChange (0800 138 1111), Citizens Advice (0800 144 8848), or National Debtline (0808 808 4000).

3. Use of the Service

By using this Service, you agree to:

Provide accurate information

Use the Service only for personal, non-commercial purposes

Not attempt to access other users' data

Not use the Service for any unlawful purpose

4. Account Registration

To save your data, you must create an account with a valid email address and password. You are responsible for maintaining the security of your account credentials. We only store your email and an encrypted password hash — no other personal information is required.

5. Accuracy of Information

While we strive to provide accurate calculations, the Service:

Relies on information you provide

Uses mathematical models that may not account for all real-world factors

May not reflect changes in interest rates or terms by your credit providers

Should be used as a guide only, not as a definitive financial plan

6. AI-Generated Content

The Service uses AI (OpenAI) to generate personalised suggestions. This AI-generated content:

Is based solely on the financial data you provide

May not consider your full financial situation

Should not be relied upon as professional advice

May occasionally contain errors or inaccuracies

7. Limitation of Liability

To the fullest extent permitted by law, Brindleford Technologies Ltd and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

Your use or inability to use the Service

Any decisions made based on information from the Service

Any unauthorised access to your account

Any bugs, viruses, or errors in the Service

8. Free Service

This Service is provided free of charge. We reserve the right to modify, suspend, or discontinue the Service at any time without notice.

9. Changes to Terms

We may update these Terms of Service from time to time. Continued use of the Service after changes constitutes acceptance of the updated terms.

10. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

11. Contact

If you have any questions about these Terms, please contact:

Brindleford Technologies Ltd
Email: hello@creditcardhelp.uk
71–75 Shelton Street, Covent Garden, London, WC2H 9JQ
Registered in England & Wales • Company No. 16871436

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