Can't cope with C/C interest/charges :-(

thebritishbloke

I think unfortunately your only real option is to look for another job that'll offer you more money or more hours.

LplateSaver

I'd try and apply for the capital one card http://www.capitalone.co.uk/creditcards/balance-lpo.jsf you've got nothing to lose if they reject you and any amount on 0% would really help you at the minute.
Secondly I'd look for any second job.
And thirdly, if you're too young to claim tax credits you're too young to be living alone, shared accommodation would save you a lot of money.

PaulW922

You talk about charges- are you getting hit by default charges? If so, you really are at the point where you need to speak to Vanquis about this - either directly or via a charity such as Stepchange (who you can deal with online). It may impact your credit rating if you make an arrangement to repay but if you are getting hit for late charges anyway you may not have much to lose, and it may be possible to negotiate an interest freeze or similar. I would start my talking to Stepchange or Pay Plan..

SuperHan

Depending on how bad your credit rating is, you could look at switching some current accounts for incentives... Look over at the bank and budgeting board for some suggestions, but I've got £225 in the past couple of months just by opening, switching and closing accounts.

You may not be accepted if your credit is so bad, but easier to get than a 0% CC, especially as you don't have to take any overdraft or credit to get the incentive.

It's only a short term fix, but will give you a little more to throw at the total balance

phild145

Try the eligibility check on Capital One.

May be lucky