My highest credit limit indicates higher risk - how do I fix this??

thebritishbloke

Always have a direct debit set up for at least the minimum. If you want to pay extra, you can always do this manually and they won't take double direct debit payments. This way you'll never miss a payment.

If you're living in your overdraft, stop clearing your card "in time to pay for holidays". Skip a holiday this year, pay off your debts and start fresh. You'll be much happier for it.

[Deleted User]

Don't pay for credit scores...blah...blah...blah.

Now that's out of the way, as has been said you probably want to clear your OD first but this really depends on what interest rates you pay for it and your credit cards. You need to provide this information otherwise we are all just guessing.