Don't know where to start

Ronnietink

Hi All, Newbie here so pls be gentle!!

Have been reading various posts for days and not really feeling ready to 'take the plunge!!' but here goes...

Currently have a LLoyds tsb platinum cc credit limit was £6000 but they have recently changed it to Airmiles duo and decreased the limit to £5000. (not sure why they changed??) current debt is £4670

my monthly interest is around £88. I am only just being able to make the minimum payment each month (around £95)

Any way I am feeling that I need to do a balance transfer.....Am I right in thinking it would be wise to look for 0% on balance transfer card??

History - Cleared and closed citi card recently (yippee!!):T
Have also cleared Royal bank of Scotland card altho this is not closed jst not used.
Have also got a marbles card somewhere - cleared, no correspondance but have never closed it....
(Also have a lloyds loan)

what would you great people advise??

it has taken me ages to actually face up to my debts and feel like I have been struggling for years so I really want to clear this card the easiest way without too much hassle

Any advice greatly received

CLAPTON

i would suggest you look at low life of balance cards as you won't be clearing the debt within a year.