whats the best way of clearing catalogue debts ..card or loan?

skintiam

could anyone help .. need to clear my numerous catalogue debts and not sure how to do this or what to use .. i have freemans la-redoute vertbaudet next and choice .... and instead of all these debts i want just one ... .....i have alot of credit available to me from these companys but feel restricted i can't use this credit in other places like you can a credit card but i can't find a card that will pay money in to my account or that will pay these debts off for me like they pay off your other credit card debts .....why is this ?
any advise would be helpful

jonnydoe

Get yourself a cheap loan and pay off all the cards (then cut them up). The interest on these store cards is very high compared to loans.


JD

smiker

I dont know the answer to your general query but it may be worth knowing that Next accounts can be paid by a credit card payments so you can use a 0% (purchases) deal on a credit card to reduce your interest while you pay it off.