Might sound daft

dnkg

In regard to balance transfers.

I have current accoutn with Barclays, with a £600 overdraft.
I am over the overdraft by about £400
So I'm £1k ni debt.

Can I apply for a 0% balance transfer credit card and use that to clear the overdraft +extras as I am getting charged by the bank for being voer the over draft, then pay the card off in monthly installments before the 0% period ends?

Thanks in advance

latecomer

Something else to think about is your credit rating. If its not great then you might struggle to get a decent rate (provided you can get a card at all) which might not be worth transferring onto.

If you dont know what your credit file is like check this article:

http://www.moneysavingexpert.com/banking/credit-rating-credit-score

dnkg

Thats great, I looked for that sort of info but no joy

Cheers!!!