Credit Card Debt Query - Please help x

Overmyhead_2

Thank you!

Im not positive about card 4 - I cant see where it tells me in my statement anywhere. It’s been bits and pieces transferred from other cards for 0% deal so each part of the balance will be different dates, I’m just not sure when the first one is or how much it will be x

Overmyhead_2

Clearing the balance on card 1 they!!!8217;ve offered me 0% for 15 months so I can move card 2 and some of 3 to there and most of my balance will now be 0%!! Yay!! Will update figures once all done - there!!!8217;ll be transfer fees etc to add on x

Overmyhead_2

Did have a disaster with nursery furniture I!!!8217;d ordered and ended up having to pay more for another set so I had to dip in to my maternity savings and I!!!8217;m pretty poor now until payday at the end of the month. Hopefully have a better month next month!!

D_M_E

If the overdraft is costing you £4 a day then that's expensive and I would consider paying off a good chunk or all of it with the 0% card if it's also a money transfer card.

Overmyhead_2

My new figures are below those - I manage to pay off the overdraft.

Emmel

Well done, you have done great with your repayments. One less thing on your mind when baby arrives

Willing2Learn

Nice one overmyhead!!! That means more money for baby...

D_M_E

Well done on the overdraft - I would now pay min payment on eaxch of the 0% balances and pay every spare penny to card 3.

When that's cleared put everything spare into clearing the card with the shortest 0% deal then on to the next.

Have you put in a claim for Child Benefit and have you looked at http://www.entitledto.co.uk to see if there's anything else you may be able to claim whist on maternity leave?

Overmyhead_2

Update...

Card 1 - £3,900 (0% pa 15 months) - £4,200 limit - Bank
Card 2 - £0 (17.43% pa) - £2,500 limit - Barclaycard
Card 3 - £1,700(17.43 % pa) - £4,050 limit - Barclaycard
Card 4 - £6,700 (0% pa) - £7,000 limit - HSBC
Card 5 - £1,650 (0% pa 12 months) - £1,900 limit - MBNA