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Hi,

I am after a little advice, my current situation is not great with cards, I keep dipping in month on month as things always come up that are out of budget for example last month Tyre blow out £117, I know I need a fund but at the minute everything is so tight.

I am in MSE Credit club

Balance not with mortgage – £17,423.00

BARCLAYCARD Credit Limit £8,400.00 Balance £8,263.00 Available Credit £137.00 Percentage Used 98%

AccountsTESCO BANK Credit Limit £3,200.00 Balance £3,013.00 Available Credit £187.00 Percentage Used 94%

AccountsMBNA LTD Credit Limit £3,600.00 Balance £3,592.00 Available Credit £8.00 Percentage Used 99%

AccountsHALIFAX CREDIT CARD Credit Limit £1,450.00 Balance £1,360.00 Available Credit £90.00 Percentage Used 93%

AccountsBOS CREDIT CARD Credit Limit £1,400.00 Balance £1,195.00 Available Credit £205.00 Percentage Used 85%

AccountTotalCredit Limit £18,050.00 Balance £17,423.00 Available Credit £627.00 Percentage Used 96%

I know it is bad and I am addressing it with my budget and paying off my lowest card first – the reason for this is the highest interest one is just to big ( Barclays ) –

My credit score at the minute is low 593 and the only balance transfer cards I can get are the Aqua cards is it worth looking at these ? I am trying to lower my payments on the balances so I can get some new 0% cards and get them paid off, but the current situation does not give me much in terms of eligible cards.

thank you for any help.

Last edited by mick1234; Today at 12:10 PM.

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