Admitting I have problem debt...

Martico

Sam_X_10 said:

Martico said:

Virgin's a tricky one - great on a 0% when you have other cards to stress about, as the min payment is only 1% of the total. But that low min works against you once the promotional period ends and the high interest rate kicks in. Keep an eye on the end date of that promotion

Will do thank you! It's a fairly recent one, so I've got 20 months or so left on it yet at 0%. I'll focus on the others first and foremost. With barclaycard being the first one. I know I'll feel so much better seeing that go, and it'll spur me on to keep going. 💯 

20 months is great, that's given you some breathing space on a big chunk of the debt. If you can stay on track, aim to clear the BC debt maybe first few months of next year? Then by the time the VG time expires you should hopefully have started getting  the odd money transfer offer