Steps to Take If You Are Struggling With Credit Card Debt
Our weekly #CreditChat started in 2012 to help our community learn about credit and important personal finance topics (e.g. saving money, paying down debt, improving credit scores). Each chat is hosted by @Experian on X (formerly Twitter) and all are welcome to participate. DM us any questions.
Join us for this week’s #CreditChat: Steps to Take If You Are Struggling With Credit Card Debt. With recent data showing that consumers are carrying over $6,000 in credit card debt, it’s more important than ever to understand your options and take control of your financial future. Don’t miss this chance to learn practical tips and connect with experts who can help!
Topic: Steps to Take If You Are Struggling With Credit Card Debt
When: Wednesday, September 3, 2025 at 3 p.m. ET.
Where: Join the live hashtag discussion
The panel will include: Felicity Watts:Author atAmerican Consumer Credit Counseling; Nika Booth:Award-winning debt expert and founder of DebtFreeGonnaBe.com; April Lewis-Parks: Chief Communications Officerand Director of Education at ConsolidatedCredit.org; Todd Christensen:AFCPE®Accredited Financial Counselor®, Author ofEveryday Money for Everyday People,and Education Manager atMoneyFit.org; Nia Adams:Speaker, Real Estate Investor, Author and Founder of PerspectivesChange.com; Jorrell Bland:Associate Wealth Advisor atMitlin Financial, Inc.; Rod Griffin: Senior Director, Consumer Education and Advocacy, Experian; Jennifer White: Consumer Education and Advocacy Team, and Christina Roman: Consumer Education and Advocacy Manager at Experian.
Gift Card Giveaway
Enter here for a chance to win a $50 Amazon gift card! We will be announcing a winner at the end of the chat. Entry Period: Raffle open now and closes at the end of this chat at 4 p.m. ET. Complete rules here.
Questions we will discuss:
1. What’s the very first step you recommend when someone realizes they’re struggling with credit card debt?
2. How can budgeting make a difference, and what budgeting methods or tools do you personally recommend?
3. What’s a common myth about paying off credit card debt that you’d like to debunk?
4. What method do you prefer for debt payoff? Why?
5. What are some effective ways to communicate with your credit card issuer if you’re struggling to make payments? What should you ask for?
6. What role can credit counseling or nonprofit agencies play in helping consumers manage debt?
7. What strategies do you suggest to avoid falling back into debt after paying it off?
8. What are the pros and cons of debt consolidation or balance transfer cards? Who should consider them?
9. How does carrying credit card debt affect your credit score, and what steps can help minimize the impact?
10. What’s one piece of advice you wish everyone knew about handling credit card debt during tough times?
Check out our complete list of upcoming personal finance Twitter chats here.