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Help Me I'm Clueless

Clueless_Dunc
Posts: 2 Newbie
in Credit cards
Hi
I'm having a few money problems.
My debt is as follows:
Nationwide CC - £1k
Nat West Current Account - £2k
Another Nat West Account - £500
Think thats about it but I'm paying interest on all 3. I'd prefer to just have it all in one place so I can see how much I need to pay off so was thinking about transferring the balances to one CC. I can't get a Barclaycard coz I had one as a student that I don't use. It's just there doing nothing.
I was originally looking at just putting the Nationwide card on to a different CC just to stop interest but then thought why not put it all on one.
What do you think?
What advice can you give?
i know I've not got hardcore debt but I hate having it and would prefer to just pay it off in little bits and get on with my life.
Cheers
Dunc
I'm having a few money problems.
My debt is as follows:
Nationwide CC - £1k
Nat West Current Account - £2k
Another Nat West Account - £500
Think thats about it but I'm paying interest on all 3. I'd prefer to just have it all in one place so I can see how much I need to pay off so was thinking about transferring the balances to one CC. I can't get a Barclaycard coz I had one as a student that I don't use. It's just there doing nothing.
I was originally looking at just putting the Nationwide card on to a different CC just to stop interest but then thought why not put it all on one.
What do you think?
What advice can you give?
i know I've not got hardcore debt but I hate having it and would prefer to just pay it off in little bits and get on with my life.
Cheers
Dunc
0
Comments
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Also I missed a few repayments on teh Nationwide card recently so think I may have a bad rating.
Dunc0 -
Get your credit records and see what your payment history says, as a first step?...much enquiry having been made concerning a gentleman, who had quitted a company where Johnson was, and no information being obtained; at last Johnson observed, that 'he did not care to speak ill of any man behind his back, but he believed the gentleman was an attorney'.0
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Clueless_Dunc wrote: »I can't get a Barclaycard coz I had one as a student that I don't use. It's just there doing nothing.
If you haven't already it may be best to cancel that card if it is still active. If/when you apply for a new credit card that will show as available credit if it is still active.
If you want to put the overdraft onto a credit card then you'll need to apply for a credit card that allows you to do that, so do a bit of research on this site and elsewhere to get a list of options etc.0
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