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Store and Credit Card Debts

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Out of Debt Since 1989

What is the difference between credit cards and store cards?

Although these cards look similar and offer you the same ability to spend now and pay later, there are significant differences between credit cards and store cards. You can use a credit card practically anywhere; payment networks, such as Visa and MasterCard, allow for global spending. Store cards, however, can only be used within that store. For example, a Next store card can be used at any Next store across the UK, but other retailers will not accept it as a method of payment.

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Sharon McDougall

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The perils of store cards

Store cards are widely recognised as a particularly dangerous form of credit and it’s easy to understand why. Store cards often come with a tempting introductory discount, typically off the purchase you are already making. While this may be a money-saving tactic in the short-term, the reality is that many people find themselves paying out far more in interest and charges than they saved with the discount in the first place. Store cards are notorious for their huge rates of interest; many store cards tend to charge 25% and upwards whereas credit cards tend to offer long interest-free periods and a standard rate of around 17%-18%.

The technique to using a store card safely is to take out the card (if you really wish to), benefit from the immediate discounts and then pay it off straight away, so you never have to pay a penny in interest. It is also advisable for you to close the card once you have paid the balance down to zero to prevent further temptation. If you forget to pay of the store card balance, the card operators will hit you with sky-high interest, often ranging between 25% and 30% which can increase the balance on the card significantly.

Struggling with store card or credit card debts?

Taking out a store card or credit card can seem like a harmless and useful tool at first but it’s easy to fall foul of the fees and interest that is applied once you fail to repay the balance each month. Debts of this nature are deemed ‘unsecured debts’ and we can help individuals across Scotland that are suffering with financial problems stemming from credit and store cards through a number of formal debt remedy procedures that protect you from creditors and threats of legal action.

Speak to one of our friendly, experienced advisers for free today and arrange a free no-obligation consultation with one of our Scotland-based team.

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Common Debt Issues

Just some of the issues we can help you with

Overdraft Debt
Household Expenses

Overdraft Debt

Council Tax Arrears
Household Debt Couple

Council Tax Arrears

Mortgage and Rent Arrears
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Mortgage and Rent Arrears

Personal Tax Debts
Teenage Debt

Personal Tax Debts

Car Payments
Car Parking Fine

Car Payments

County Court Judgment
Car Parking Fine on Windscreen

County Court Judgment

Other Common Debts
Court Order

Other Common Debts

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The Team

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Chelsea Williams David Tannock Sharon McDougall Square Kelly Jones

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Our Scottish based team can help advise you on your debt problems.

Here at Scotland Debt Solutions we take your privacy seriously and will only use your personal information to contact you with regards to your enquiry. We will not use your information for marketing purposes. See our Privacy Policy.

The Team

Meet our qualified Scottish based team

100% Confidential advice

Chelsea Williams Thomas Mckay Kelly Jones Tannock1


Additional Debt Advice

Our Insolvency Practitioners are regulated by ICAS or the IPA and our firm is authorised and regulated by the Financial Conduct Authority

Fees and Information: There are fees associated with our services. These will be fully explained before entering into any of the personal debt solutions referred to on this website. Full details of our fees and how these are charged are fully explained to you prior to you committing to any particular service.

ICAS Insolvency Practitioners