Credit Cards

easterbunni

The OP only has about £5K so won't be able to pay off the BC in full. MBNA and Halifax balances add up to about £5K, leaving two fully empty cards.

sonuenjoys

Allocated a thousand bucks to each of the cards as you are currently near the limit on all cards. Overlimit fees are in the range of 12 pounds mostly.

Alternatively, to seek assistance on Barclaycard minimum payments, you can approach Barclaycard directly for :

1. Minimum payment reduction through collections team (affects your credit file once on a payment plan)

2. Interest reduction through Superserver team (doesnt affect credit file) but your account should have an offer. This team will check for an offer if your account is not closed or suspended.

Thanks

sonuenjoys

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