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Need some extra cash? If you're thinking of using a credit card or personal loan what's the cheapest way to borrow? What are the dangers you need to avoid and who can help if you're struggling to repay? Let the Money Box Live team talk you through the options. Call 03700 100 444 from 1pm to 3.30pm on Wednesday or e-mail moneybox@bbc.co.uk.

Consumers borrowed 拢1.1 billion on credit cards and unsecured loans in July, up from 拢655 million in June according to the Bank of England.

While some use their credit cards for large or one-of purchases, debt advice charities are frequently called by people who rely on credit cards to help with daily living costs.

When a change in circumstances or loss of income damages your budget, what's the smartest way to manage and how do you keep control?

Who can help you negotiate with lenders when borrowing becomes unaffordable or you can't repay?

Why not ask our team about their views and experience. Ruth Alexander will be joined by:

Terry Donohoe, StepChange Debt Charity.
Liz McVey, StepChange, Scotland.
Rachel Springall, Moneyfacts.
Alex Neill, Which?

Call 03700 100 444 from 1pm to 3.30pm on Wednesday or e-mail your question to moneybox@bbc.co.uk now. Standard geographic call charges apply.