What's a better option than my Egg card here?

theworldsbestcity

Hi there

First time poster, new and all that...:o

I've got about £2500 sitting on an Egg Card. The repayments are about £50 a month.

I'm pretty useless when it comes to managing money and shopping about for the best deals but I'm getting better. Just paid off a loan I had...it was such a great feeling and a great sense of achievement on my part.

The Egg Card is next.

My question is this. Is it best to switch cards now and then to get 0% deals to help pay off this debt or would it be cheaper to get a loan or such like?

I am really very loathe to take on any more debt but if a loan would be cheaper per month then I'd do that.

RavingMad

If I was in your situation, I'd transfer the debt onto another card. However, you said yourself that you're useless when it comes to managing money. A credit card can work out cheaper if you're disciplined enough to pay it off within the 0% period but any remaining debt after that will be charged at a higher rate