I need a loan to consolidate my credit cards.
I have some credit card debt and I need to consolidate it. I moved into my house 1 year ago and the people who lived there before me had a very bad credit and I still recieve bills for them. I am looking for a loan of £7000 and spread over 7 years. The problem is that I have been declined by my bank because I’ve got two overdraft bank charges due to a credit card debit payment. I have applied to Nationwide but they have also declined my application. I recently applied for other credit cards to get me out of trouble quickly. Two of these have accepted my application. The debt is currently spread across 4 different credit cards. I have one other loan but I don’t want to consolidate this one since it has a low interst rate. I am a manager of a very well known company and earn circa 20k. Please give me some advice.
How do I consolidate my credit card bills?
I am a student with a substantial amount of debt. Not only from my college loans but mostly from credit card companies. I’m hoping to consolidate all my credit cards into one single loan without closing my accounts. I’m not a homeowner, I do have own a nice car, however. Unfortunately for me I have been unemplyed for the past four months. I currently have an income from internet enterprise, but it is still not enough to pay all my bills separately. What can you suggest in this case. Is it a good idea to consolidate my credit cards? Now with the recession coming I’m a bit worried that finding work might be more difficult than I initially expected, so if I could consolidate witha lower interest rates that would be really helpful.
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