first time user

A.J1

Can anyone suggest how i can reduce my credit card debt? i have 2 cards and am really only paying off the interest on each. seems too complicated to do anyhing about it, i don't know how to start. can anyone help?

McKneff

Sorry but the only way to get the debt down is to pay more.

Do a monthly budget of your incomings and outgoings, see what you can cut down on, throw it at your debt.

Get a second job if you can, even a few hours a week in a bar, mcDonalds, etc and throw that at your debt too.

Good luck

And the best advice I can give you is cut them up, it stops you geting into further debt.

Gromitt

What is the interest on your cards? Can you consolidate both and pay them off with a bank loan with a lower rate of interest, so pay off more capital?

Or, if you have good credit history, apply for a card with a good BT interest free period like 20 months and BT the balance to it.

All depends on your credit history.