too many choices, whats best for me?

wantone

sorry to jump straight in, but here goes ive two credit cards which i owe on

1, RBS GOLD CREDIT CARD £3100

2, CAPITAL ONE MASTERCARD £2500

PAYING £60MONTH INTREST on the RBS one

what can i do to get back on track

i'm a bit dim as ive looked at the options but still dont know which would help me best

im looking to get the lot on one 0% card and see if i can clear it!

prob need to transfer to another later as i dont think ill have the cash to clear the total in one go

can someone tell me how to turn the corner please

latecomer

Do you have a good credit history? Have you missed any payments recently or had problems in the past? That will effect your chances of getting a another credit card.

What interest rates are you paying on those cards?

wantone

hi thanks for replying, no ive a good history i think!

RBS purchases monthly intrest 1.805%
cash monthly intrest 1.941%

capitalone purchase intrest 14.880% annual
withdrawal intrest 20.000%

sferguson91

Best option at the moment is a virgin 0% for 16 months for a 2.98% fee.

If you have a partner make sure you put them on as the second cardholder as this can increase your balance.

Also ask them on your application for around 2k more than your cards added together, you will get the best deal.

Remember, do NOT spend on this card.

wantone

thanks for that, my plan was to cut it up once transfered

wantone

thanks ppl ive applied for and transferd my other cards on to a virgin one :j when the card arrives it will be cut up and put straight in the bin..
next bit will be the hard bit remembering to transfer anything left on it in 16 months time to a new 0% deal