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I have mental health problems and tend to overspend. I’ve also been long term unemployed even though I really want to work. Currently have an overdraft with hsbc limit of £750. Currently £550 of but will paid off at end of Month. However I am really confused about the new fees, is it 39% interest for arranged or unattached overdraft? If the latter I will really struggle to pay it back and get back into credit. I’ve already used the credit card and don’t want to take out anymore. Please no judgement just friendly advice.