Making progress!

BGH90

I posted here about 4 months ago under a different account explains my money troubles. Since leaving uni I'd racked up about 7000 of various debts, mostly payday loans etc ans credot cards, thus my credit sckre was a mess! I made a plan with help from people here and stuck to it. I'm 24 and hopefully looking to start looking at houses by the end of thr year with my girlfriend, this gave me the motivation to do it!

Happy to say I've just checked my experience score and it 788 (fair) ! :j it might not seem much but it's a huge improvement! I'm over the moon!

My debts now are:
Student overdraft £2000
Very.Co.uk: £600
Littlewoods: £600

Miles less than 4 months ago!

I earn about £1400 a month and obviously have other outgoings, but looking to be 100% debt free by summer! To anyyoung people who find themselves in a similar position, it gets better and feels amazing!

Now a question, I have a £2000 student overdraft debt that's about £34 pm interest.

Last month I cleared my credit card (£1200) limit.would I be better using the credit card to clear most of the overdraft and the rest from my wage over a 2 month period, then pay back the credit card over a couple of months?

Simply, which is worse to have, the overdraft or credit card?

Thanks

bedhair

Well done on your progress so far.
Virgin Money are offering a money transfer card 0% for 36 months. You could money transfer £2000 into your account with the overdraft for about 2.5% fee (£50 fee). You could then pay this back at no interest. This may not be the best option if you are looking to pay back over a short term.