What credit card do i need to apply for

malawrence1990

I have a debt with a utility company that I racked up when we had a AGA. Bloody thing... Long story short. I want to pay off the debt using a 0% credit card as they have increased my monthly bill to £330 per month.
But I dont know which card I need to apply for e.g. balance transfer, money transfer or purchases.
Also when I bought the house we done some renovations before we moved in and I was told by the council so sort out the council tax when we moved in 3 months later so I also have a council tax debt I would like to pay off on the same card if possible.

born_again

Will utility co allow you to pay via CC, as that is the defining point.

Nasqueron

BT card is only useful if you can pay the bill on a CC and then move it off.

MT card will give you the money in your account to pay a bill,

It likely won't count as a purchase to pay the bill though - check the terms

They may not accept a CC for the bill though so MT probably the best bet however they tend to be shorter (like 12 months) and a bit more expensive fee wise. Remember you also need to pay the balance off over the course over the interest free period

malawrence1990

born_again said:

Will utility co allow you to pay via CC, as that is the defining point.

I haven't got that far yet. But thank you for making a very good point I will check first

JES_F1

The council may not accept credit cards for council tax - I know my council doesn't.

400ixl

Are either charging interest on the debts?

fatbelly

I would have thought the way forward with both debts is to set up an instalment arrangement. Otherwise you're just shuffling debt around