Advice needed please to get rid of overdraft

determined_new_ms

iscamaid wrote: »

Many thanks to all the people who have posted replies. I would love to do the MBNA super balance transfer, but after reading the post I checked Martins details on this and I dont qualify as I have Virgin credit card (zero balance but still current). I am tempted by the idea of a mule card to get the zero balance, just need to be super organised. My other thought was the same as Marisco, go into Natwest, apologise and see what they can suggest. I know they will try to "sell" me a loan which may have a higher rate of interest than I could get elsewhere, but it would be a simple method.......With regards to getting a credit card with zero rate, I think I should be ok. I did the free 30 day Experian credit check a couple of weeks ago and it seemed alright. I had been a bit worried that being overdrawn for so long would count agianst me, even though it is within agreed overdraft levels.

what you can do to get round this is get MBNA to balance transfer into your bank account and then use the money to pay off the balance. I took out an MBNA to pay off the balance of the Virgin account a few years ago. They phone me to say as they were the same company they couldn't do that but they could pay it into my bank acc x

byebyedebt

beanielou wrote: »

You need a super balance transfer card.
This means you can transfer money into your bank account.
MBNA do them.

MBNA charge 4% on super balance transfers.