Martin Lewis reveals his top tips to clearing credit card debt fast - and what to do if you can't afford it
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Martin Lewis has revealed the fastest way for Brits to clear any existing credit card debts. Speaking during his live ITV show on Tuesday evening, the British Money Saving Expert, 52, discussed his top tips for reducing debt - even if you don't have the money to pay it off in full.
![[The Money Expert explains what to do if you cannot afford to clear your Credit or Store card in full]](https://i.dailymail.co.uk/1s/2025/01/21/21/94365027-14310341-image-m-35_1737493656634.jpg)
As well as making sure you don't worsen your debt - and speaking to friends about not spending more than you need to - Martin advised to protect your credit history by using an eligibility calculator. Most of all, Martin described the zero per cent balance transfer as a 'crucial weapon' when it comes to clearing debt.
![[On The Martin Lewis Money Show on Tuesday, he gave his live studio audience four golden rules for balance transfers]](https://i.dailymail.co.uk/1s/2025/01/21/21/94365025-14310341-image-a-36_1737495026180.jpg)
By using the zero percent balance to its full potential, Martin explained how you could start to pay off your actual debt, rather than just paying the interest. 'Let's imagine you have £2,300 worth of debt,' Martin told his live studio audience. 'One on a stale card and one on a rotten card both at relatively high rates of interest.'.
If you find yourself in this sticky financial situation, Martin recommended that you apply for a brand new card with a specific balance transfer deal in order to shift the card. In the example he gave, the new card was 31 months at zero per cent interest with a £2,000 credit limit.
Martin Lewis, 52, described the zero per cent balance transfer as a 'crucial weapon' when it comes to clearing debt. Martin continued: 'The first thing you should do is look at the most expensive debt, that's the one growing quickest, the one you want to get rid of, and you say: "Please pay the debt off that one.".
