Woohoooooooo

Mrs_Optimist

In stark contrast to some of the other posts I would pay your friend off first, then clear your store card and then the balance thats left towards your credit card - you Bank will think twice before charging you extorionate fees again so the overdraft shuldn't really come into play! Clear as many smaller debts as you can regardless of the APR. Psychologically I would prefer to have a couple of large debts rather than lots of little debts dotted around because I had paid a chunk off the largest one - if that makes sense?

cantcope

Thanks Mrs Optimist that what i was thinking. Deffo friend first. Then store card, then highest cc.
My charges were just for the last year. Each time i went o/d i got charged £25 to a max of £125 a month, plus interest. This is even if i go over by £1 a day 5 times in that month.
Still on a high