23, 3 k debt , anyway to pay in one lump sum?

crazy_gooner

Thanks guys for the posts.

Moocowone, I've been made aware of the trailing interest so when I get a charge I will not be shocked. I'll be keeping a £100 overdraft. That's more than enough for me.

Betty, I thought of reducing my O/D, but Halifax One's interest is a joke even for emergencies, it's like 25% APR.

Will my credit rating start to get better now? I have a phone contract and other direct debits etc.

Thanks a lot guys. CC paid, will take a few days to clear, but I look forward to it being 0.00.