Credit Cards

Even if you are just one day late in making a repayment on your credit card debt, you are in default. Your lender may send you a default notice. Click here to read our Default Notices Fact Sheet. If you do nothing, your debt will continue to increase as it accrues interest. It is therefore important to address the problem as soon as possible.

If you are behind on a credit card repayment , you can:

  • apply for a Hardship variation;
  • negotiate an arrangement to pay by instalments or to settle the debt; or
  • refinance the loan.

For an exceptional example of when CCLSWA was able to assist a client with a credit card debt click here.

To read CCLSWA’s submission to a Senate Inquiry on Matters relating to Credit Card Interest Rates click here.

If you would like to dispute a transaction on your credit card statement, please see our sample letter to request a chargeback.

For more information, contact our advice line on (08) 9221 7066.

If you have received legal or court documents from the lender, please contact us.  For more information see our .