Advise please re consolidation!

paphos2k

i have 4 cards to consolidate totalling £11,300. i have tried martins eligibility calc, i had to jump from barclaycard as i have one, to the Halifax, got the go ahead for a transfer of £2000!! not a lot of help there. my experium credit score is 964, i've just cleared a previous loan and now have more spare money to put towards a bigger one off credit card payment, any idea's on where/who to try for this amount or have i got to move 4 cards to 4 other cards? alternatively should I get a loan for the lot?

Caz3121

much will depend on your income. There is no guarantee that you will pay off your existing cards so they look at the amount you are asking to borrow and add it to your current exposure
Current debt £11.3k looking to borrow £11.3k means total debt will be £22.6k so you will need an income of £45k+ if they follow the 50% rule of thumb
Have a look at snowballing, move £2k of the highest APR to the interest free then throw any spare money at the highest APRs
Debt free wannabe board is probably a better place than looking for loans