Everything you need to know
Store cards, often offered at tills or online checkouts, promise discounts and rewards — but they often come with very high interest rates, sometimes over 30–40% APR, and in some cases, exceeding 80% APR.
According to the FCA, over 1.4 million UK cardholders have been stuck in persistent debt, making only minimum payments for 3 years or more. This includes many store card users, who were encouraged to spend with increased limits but had no realistic way to repay.
If you were given a store card with a high limit and high interest, and you struggled to make payments, you may have been a victim of unaffordable lending. This means you could be owed compensation for the interest and charges you paid.
Store card providers have a legal responsibility under FCA regulations to ensure lending is responsible and affordable. If they failed to check your ability to repay, or made your financial situation worse by increasing limits, you may have a valid claim.
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 £500 to over £3,000, depending on your personal circumstances and the charges applied.
Take the first step towards reclaiming what’s rightfully yours. Our no-win, no-fee process is quick, easy, and hassle-free.
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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.