Credit Card novice, consolidating debt

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Hiya,

Bit of a novice when it comes to Credit cards and debt, but I find myself at the limit of my overdraft on a couple of current accounts and with a smallish Credit Card (2k) maxed out. The only good thing to say about it is it was caused by some bad luck and everything happening at once rather than dreadful money management… but anyway, I am where I am.

I’d like to get rid of the overdrafts and the current CC and consolidate it into one place, and also add a bit of Credit so I have some emergency money should I need it. Does that mean I need a new money transfer Credit Card. I can the put the money in the relevant accounts to get out of the overdrafts, and make a payment of the full amount on the old credit card.

Is that the best way to deal with this you.think?

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