noob advice needed on 0% credit card

remoh

hi there

have been trying to read through the advice here but its all a bit daughting, could anybody recommend which is the best card at the moment to be able to absorb 3 sub £500 store cards and an overdraft of just under £1000.

if you could explain the mechanism by which you pay of the overdraft as well it would be appreciated as my head is currently hurting from trying to understand all this.

thanks in advance

remoh

grumbler

remoh wrote:

...have been trying to read through the advice here but its all a bit daughting, ...if you could explain the mechanism by which you pay of the overdraft ...

Did you read Martin's articles? If not see links Super BTs and Stoozing in the blue bar above. In the latter one see The Easy Route and The Middle Route .

See also http://www.stoozing.com/full.htm.

This works for an overdraft and can be used to pay store cards through a current account.

Coveredinbees!!!!

One option you could use is get a 0% card for spending and use that to pay for stuff and then pay off the max you can each month on the other cards until they are empty and not have to pay the transfur fee. Depends on how quick you can clear the other card. Transfur fee V charges workout which is the lowest. Unless you can get a card with no fee but they are getting difficult to find.

remoh

thanks for the replies, missed the sbt completely originally *oops* it definately sounds like the way to go.

what sort of evidence do you need to provide if you are self employed in order to get a cc?