A series of guides to help you tackle your debts and take control of your finances.
Tackle your debt and take back control
If you've missed a bill or payment, or think you might, it's important you let us know as soon as you can. Find out more about the support we could offer you.
Understand borrowing

What is debt consolidation?
A debt consolidation loan can help you bring your debts together and create a simple repayment plan.

How to use a balance transfer
See how to use a balance transfer credit card in a cost-effective way.

What is APR?
Find out more about APR, how it’s calculated and why it matters.
Setting a path ahead

How to prioritise repaying debts
Smallest debt first or the most expensive? See what to consider.

How to repay debts faster
Ways to reduce the amount you owe without dramatically changing your spending.

How to build your credit score
Lists the actions you can take to improve your credit score.

How to talk about money
Talking about money can help reduce stress, manage your finances and reach your goals. Take a look.
Watch now: Managing your debt
See 5 tips to help you take control of any existing debts and potentially repay them faster.
Making decisions about borrowing

Should you save or repay debts?
Look at when you may want to focus on debts and when it could be worth prioritising your savings.

Ways to borrow
Take a look at your options so you can find the one that suits you.

Invest or repay your debts?
The answer's not always black and white.

Buy now pay later
Find out how buy now pay later (BNPL) works and whether it might affect your credit score.
Getting back on top of things
What to do if you fall behind on debt repayments
Some steps you can take to help you get back on track.
Credit card repayment calculator
Use our helpful calculator to see the impact of increasing your monthly credit card repayments.
Managing your money with tech and tools
Helping you work out which tools might be best for you.
Persistent debt
Get help if you're in persistent debt on your credit card over an 18-month period.
Managing your money
Manage your HSBC UK accounts easily and securely at any time on compatible devices.
See what you can do through online and mobile banking without leaving home.
Additional information
Seeking help
If you’re an HSBC customer and you’ve missed a payment or are worried about missing one in the future, call our team of specialists on 0345 850 0622 to get a helping hand.
Lines are open:
08:00 - 18:00 Monday to Friday
08:30 - 16:00 on Saturdays
Please note, lines will not be open on Christmas Day, Boxing Day and New Year's Day. Calls may be monitored or recorded.
If your mental health is affecting the way you manage your money, we have a range of services available to support you.
Further guidance
There are a number of independent organisations who can provide help and give general advice about managing money.
You can find out about free independent money advisers in your area from:
- Citizens Advice - https://www.citizensadvice.org.uk
- AdviceUK - https://www.adviceuk.org.uk
The following helpline services can offer help and advice:
- National Debtline - https://www.nationaldebtline.org
- StepChange Debt Charity - https://www.stepchange.org