Paying off my CC?

happy_shopper_6

Hello, my first post here, so please go easy on me.

I have an MBNA card with around £3, 500 on. I used this card mainly when I was on Maternity leave with our 1 year old son and have never got round to paying it off. Things escalated and here I am, £3, 500 in debt on a card that I can't use (up to limit).:o

I am paying off around £200-£300 a month, but paying about £70 in interest each month. I have missed a couple of payment (due to laziness, I admit) but have now got myself sorted with internet banking and can pay it off using the computer.

Anyone have any suggestions for a better solution or card I can change to with a good deal? Oh, and I have a phobia of talking on the phone, so if I could apply on line it would be great.

Thanks

bargainbetty

Use the moneysaving site links to search for a new credit card offering a 0% or reduced rate life of balance card. Lots let you apply online. Just don't do loads of applications, in case it effects your credit rating.