oh dear

ashleyfae

Now I know why Martin says NEVER use your 0% balance Transfer Cards for purchases. I used mine to pay for my car insurance knowing I would be paying that amount off when the bill came( my beautiful mum and dad still pay for it). I have now found out that I am going to pay interest on that £300 even though I think I have paid it off. This is because I still have a balance transfer amount of £2700 and any amount I pay off goes off that first!! I clearly didn't read the small print!
I have now decided that I need to tackle my debts. I have been transfering balances to 0% cards for a while but think it will be a good idea to transfer to a low interest card for the life of the balance and set up a standing order. My problem is that I have a £1000 overdraft and am not sure how to get that onto the card. Has anyone got any tips. I am not sure if AMEX does super balance transfers.

Glad

Martin’s asked me to post this in these circumstances: I’ve asked Board Guides to move threads if they’ll receive a better response elsewhere(please see this rule) so this post/thread has been moved to another board, where it should get more replies. If you have any questions about this policy please email [email="abuse@moneysavingexpert.com"]abuse@moneysavingexpert.com[/email].

skintchick

Hi!

I can't advise but I was exactly teh same as you - kept tarting round 0% cards, putting more money on them, and one day I realised it had to stop. Now I know just how little cash I have!! lol

You're in the right place and when poeple come off hols I bet you get lots of help.

In the meantime, do your budget using the link above and then post it here, along with all our incomings, debts and APRs, then people will be best placed to advise.