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Credit card debt


pebs
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I have 3 credit cards, vanquis and capital one that I have had for around 2 yrs and a barclaycard for 1 yr, I only ever pay the minimum payment but at the moment I am really struggling to pay that.

It is £100 per month combined.

 

Is there anyway I can arrange token payments with them and freeze the interest as the debt on them has hardly gone down.

 

I have payment protection on one of them (vanquis), but I am still working but only a few hours a week and they wont let me use the PP unless I am unemployed.

 

Any advice please?

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