If your credit card was unaffordable or you were mis-sold a limit increase, you could be owed £1,000s. Start your credit card claim today — no win, no fee.
Everything you need to know
Credit cards are designed for short-term borrowing — but for many in the UK, they’ve become a long-term financial burden.
According to the FCA, over 1.4 million cardholders have been trapped in persistent debt, making only minimum payments for at least three consecutive years. Some lenders charge between 20–40% APR, with others charging as much as 80% APR — making credit cards one of the most expensive ways to borrow long term.
When credit limits are increased without proper affordability checks and customers are allowed to drift deeper into debt, it becomes unaffordable lending — and you may be entitled to claim compensation.
Your credit card provider is regulated by the FCA and must ensure that any credit they offer is affordable and responsible. If they failed to check your financial circumstances, or repeatedly increased your credit limit despite warning signs — that’s a breach of their duties.
Common red flags include:
If any of these apply to you, you may be eligible for a refund of interest and charges.
Typical refunds range from £1000 to over £3,000 for Overdrafts.
Take the first step towards reclaiming what's rightfully yours. Our no-win, no-fee process is quick, easy, and hassle-free.
Quick easy sign-up process
No documents needed to start
We handle everything — from start to finish
FCA-regulated & trusted by thousands
Here’s How It Works
We make it easy — no paperwork, no legal jargon. Just three simple steps to get the compensation you deserve.
Step 1.
Just fill in a quick form and sign your documents to get started. It’s simple, secure, and takes less than five minutes — no back-and-forth or paperwork delays.
Step 2.
Once you’ve signed your documents, our expert team gets to work. We’ll build your case, contact the lender, and manage everything — while keeping you informed every step of the way.
Step 3.
Once your claim is successful, you’ll receive compensation — and the peace of mind that comes with standing up for your rights.
Yes. If you've only been making minimum payments for years and your balance hasn't gone down, it may indicate the card was unaffordable from the start — and you could be owed compensation.
Even if you accepted it, the lender still had a duty to check affordability. If they failed to assess your financial situation properly, the limit increase may be classed as irresponsible lending.
Yes. You can still claim compensation for interest and charges applied during the time the card was unaffordable — even if the balance is paid or the account is closed.
No. Making a claim is a formal complaint about past lending and won’t negatively impact your credit score or borrowing ability.
Many people reclaim £500 to £3,000 or more, depending on how long they were in debt and how much interest or fees were charged during that time.
Just a few basic details to begin — we’ll then request your data from the lender directly and handle the entire process on your behalf.
It only takes a minute to start — no cost, no obligation, and nothing to lose.
