Shutting down or lowering limits?

Marathon2015

Hello,

Apologies if this has been asked a million times before - I've done a search but I wanted to ask a couple of specific questions.

I currently have a credit card with a 8700 limit and a 3884 balance.
Over the last few months I've been working really hard to clear any existing debt. Since July I've done the following:

- Not touched my £1500 overdraft with HSBC
- Paid off my Next account (which is still open and has a limit of £5000)
- Reduced my Halifax credit card from £5900 to the balance above.

We've recently moved (my own house is still on the market hopefully to be sold soon with a mortgage outstanding of £51,800 and the only other debt I have is my car which has £6000 outstanding (and is my next job after I've paid off my card by early 2015).

My credit card isn't 0% and rather stupidly after I moved I applied for a Barclaycard, was initially accepted but had to provide proof of address. I duly did this, but was declined.

Panicking about my credit I had a look at my experian report and found my credit had slumped. Everything was good apart from the voters roll (which I had already transferred).

I've just looked at Noddle and have a 3/5 rating and it says I was registered on the voters roll from 1/7/14. Ideally I would like to get a new 0% card to help me pay off the card even quicker but I'm now worried about multiple searches and I guess it isn't the end of the world.

But is it an idea to reduce my overdraft, shut my next account (no intention of using it again) and ask Halifax to reduce my credit limit?

Apologies for the essay, but while I'm on a roll I want to keep going!

Thanks for your help,
Marathon15