CC Utilization 27-25% check

Dandytf

Nasqueron said:

If you are moving NW to VM you need to put the NW card details in on the VM site as they are paying NW as part of the BT process - you would not use the NW site for this purpose. You cannot pay off the NW card with the VM card using a normal payment

thanks it's small sum as gone ahead with kitchen heater purchase using part NW Credit.
I had to call VM this has to be from NW side where additional Credit is.
This has cost £5 to request in effect part reverse transfer from NW to VM.

Qyburn

Are you managing to reduce your overdraft with all this? From what I recollect you had a few thousand at 30 or 40% interest. Paying that off would make a bigger difference than fine tuning credit cards, especially if you make the odd mistake.

Dandytf

Qyburn said:

Are you managing to reduce your overdraft with all this? From what I recollect you had a few thousand at 30 or 40% interest. Paying that off would make a bigger difference than fine tuning credit cards, especially if you make the odd mistake.

Very good point, though from very recent years experience, I thought it sensible to make decent start via CC repay plan, mser's have re directed me to review and make use of 0%.
I have only made some start to main OD -Isa saving being very last option if and when required.
I kind of appreciate main OD has been up with higher interest rate costs -Last checked since maybe about £30 per month. 
Though I have saved possibly more than double that cost albeit only 'moving some CC's to o%)