£12,000 unsecured loan @ 9.8% 5 Years Good?

somethingcorporate

Great advice MuffinTops, I had never considered that before

BlackDog23

That's a good idea with the bank accounts thing, work out what you can afford to pay off each month, and send it to a different bank, then set up all your direct debits to pay the minimum off your credit cards from that account. This will ensure you dont miss any payments, risking having a 0% period cancelled early, and then you can use all the extra money to send additional manual payments to whichever cards 0% period is running out soonest.