Need help on a balance transfer

Pablox40

Hi guys sorry im new to the forums just a quick question really myself and my girlfriend each got a credit card mines now on. 3500 and hers is 3000 what do you recommend to get us out of this stupid mistake i wanna get a balance transfer because we are due on holiday later this year so we are saving for this so i thought the balance transfer is a good wayfor me to pause this temporarily and once we are back home we can crack on with paying it off however can we get a balance transfer for each of our cards if they are with different banks also could i use this to pay off the small loan i have atm with my bank

Strummer22

This is difficult to understand. Please use sentences (I'm not trying to be offensive or anything, but it would help!).

Anyway, we need to know a bit more. You have £6500 of credit card debt between you. What interest rates are you paying? How much can you afford to pay off each month? I think the first thing you should do is read this: http://www.moneysavingexpert.com/credit-cards/balance-transfer-credit-cards

Then go here: https://creditcards.moneysavingexpert.com/?balance-transfer

Put your details in and see which cards you might be eligible for.

downhillfast

What cards do you already have and what is their interest rate?

With a balance transfer you are effectively taking out a new card and transferring the debt from your existing card onto it... therefore the limit of the new card needs to be able to cover as much of the existing debt as possible. Use the link above to see if you are likely to be accepted for anything before making any hasty applications.