Credit card v loan

faith

I am a credit card 'tart' I have 3 credit cards but am finding the monthly payments high - they are all 0% and end in June. Should I switch to a longer-term card such as Texaco at 3.9% and stop being a 'tart' or maybe swith to a personal loan say at 5.9% over 7 years - the latter reduces my monthly payments significantly but of course costs me a few thousand in interestl Swithching to a long-term relationship might reduce the need to change every 6 months but will I end up with the same problem of higher payments and anyway would I get the same amount of credit from one card provider - I also want to transfer an overdraft into this so the total is significant

Any thoughts?

grumbler

There was information HERE that Texaco give quite low limits. You can hardly expect to transfer three balances to Texaco. You can also try other CC with 4.9% life-of-balance rate (read HERE ). For loans read THIS guide.

zcaprd7

Virgin MBNA card might fit the bill.

Its 9 months 0%, SBT into you bank account and only £5 a month minimum payment whilst on the 0% deal...give you some time to get that debt down (obviously saved into a savings account rather than thrown at the card).