Overdraft V Credit Card Balance

Firstly huge apology if I've posted this in the wrong bit - its just it falls into serveral camps! (So I have posted this in two areas sorry!)

I have just over £4000.00 on my credit card and I am trying to pay off about £400.00 per month to get this down to a more manageable level. However I am just wondering if I am better off paying off the balance with my bank overdraft (which I have one for £5000.00) Apparantly the APR is 17.7% so if I am not completly thick should mean less interest a month.

I am sure many of you will be screaming at me that I am better off balance transfering - which I would. But actually I don't work. I am a Mum at home and my hubby gives me a "salary" each month (paid into my bank account) so when I have applied for credit cards in the past - because I don't work they wont give me one!

So here is another question - if I pretend that I do work - is that fraud??? Are there some credit card companies that more acceptable for Mums at home.

My hubby and I have always run our seperate finances - its how I like it - so I don't really want to go down the route of joint credit cars.

Thanks for your help!

Charlie

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