Help!!!!!!!

dfwannabee_2

How easy is it to get companies to stop charging you interest on your credit cards?

Karmacat

dfwannabee, Martin suggests two steps for getting out of debt... the first step is cutting down your outgoings.

For instance, the fuel tariff you're on may be a really high one. The water bill you pay may be able to be cut down - I swear to you, just today, I've applied for a water meter, and the water company's own calculator says that I'll save £28 a month! A month! Imagine if even one of your bills is like that!

The other thing is food, that you may be shopping in quite a wasteful way - many people are, when they first come on here, its quite usual. We often direct people to use the Moneysaving Old Style Board, on here - ways of using things up, or how to buy cheaply. All sorts of things - how you buy your contact lenses, the list goes on. This is why people keep suggesting you post up your details.

If we know details of your debts, there may well be ways to suggest you pay less interest. Can you get a cheaper loan, and will it actually be cheaper for you taking into account any penalties you may have to pay? Can you shift credit card debts to a low interest or 0% interest card? Without details, its hard to help you.

As well as Amy, the questions and ideas from Robbda, slowlyfading, and RAS are all worth looking at.

About your question in post number 12, well, you might well be able to shift debt from a high interest card to a low interest card, it depends on how they perceive you, and whether you have any problems lodged with the credit agency the credit card company uses.

dfwannabee_2

I have tried to apply for 0% cards and been refused.