In 4k of CC debt and declined GOSH card

therevelator

I currently have two separate credit cards - Barclaycard(£3K debt - 2.5% min - £71/month) and Nationwide Classic(£1K debt - 3% min. payment - £30/month). I also have two current accounts with different banks. One of whom I have been with for 10 years.

I don't have any other adverse marks against me like CCJs or the like.

I'm paying about £71 interest/month on the Barclaycard and £30/month on the Nationwide.

Due to the benefits it offered, I applied for the GSOH card but they refused me.

I stated that I'm self employed and that my income is £8000. This seems to be why I was refused.

Any suggestions as I would very much like to reduce my payments where at all possible.

therevelator

The problem is that the best cards for balance transfers are all by Bank of Scotland and so I won't be able to apply for another card with an adjusted income.