Clear Credit Card Debt UK: Beat the 24% APR Trap

Average UK credit card APR is around 24%, which means an unpaid balance roughly doubles every three years if you only pay the minimum.

The minimum-payment trap is engineered to keep you in debt - clearing a £4,000 balance at minimums alone takes 18+ years.

0% balance transfer cards are the single most powerful tool for clearing card debt fast, even with a 3% transfer fee.

Snowball or avalanche is mostly about psychology - run both through the calculator and pick the one you will actually finish.