Improving Credit & how to pay credit cards

hsnyldz

Currently have two credit cards, a barclaycard initial and a capital one. I was mainly just paying of here and there on both accounts and not managing them properly, always making the minimum as theyre all direct debits on both accounts for the past year or so.

However my credit is still quite bad i have a CCJ nearly 5 years old for 900 which was settled, a few missed payments and late payments here and there but all from 1 year ago, nothing since. And have a car loan which is 1/3 paid and all payments are on time and have been for over a year now.

Both credit cards limits have been increased around 4 months ago from 500 to 1000 each.

Now my main query is i want to manage them better in essence, i have just cleared the balance on both cards to 0 last month, spent 200 on one and when the statement came i paid in full the 200, but there was still 70 pounds outstanding which was spent after, should i wait for the next statement to pay that off?

same goes for the other card currently 700 in the red, but yet to get the statement for that which will be paid in full also. So is this the right way to go?

When i check for credit cards on a eligability checker i only get a eligability for subprime cards, nothing near the 0% cards or even less and more competative rates, when will these come into my radar? Thanks

[Deleted User]

Pay them now to reduce the trailing interest, then clear the next statement when it comes in.

[Deleted User]

With regard to new cards,with 'a few late payments here and there' being so recent, it'll probably need another couple of years at least for the best cards.