info on overdraft and credits cards please

maximus1952

Hi this is my first post and I need some infor please.

I have an overdraft with my back for £2000, the bank charges me £26 per month and I try not to use the full amount but as fast as my salary goes in Im back in the red again and I can't get out of it, the £26 a month could be going to pay off the loan.

Is there a credit card that I can get to pay off the overdraft and then pay back on the credit card over a period of a year or so?

Or does anyone know a way in which I can resolve this situation and get into the green again?

I do not have any credit cards or have never had one.

Thank you

DarnIt_3

It might be hard for you to get a good card because you are constantly in your OD. Creditors will look at how much credit you already have available, the percentage of it you are using and also your credit to income ratio.

What debts do you already have, you mentioned a loan the overdraft, how much do they equal?