09
Nov
2015
A question about : Cheapest way of paying off overdrafts/credit card
Hi
This is my first post so hope I'm doing it right!
I'm planning on retiring in around three years and want to be debt free by then.
I currently have 2 overdrafts at Ј2400 and Ј2150 which cost me around Ј80 in monthly fees. Also Ј1000 on a standard rate Halifax credit card. I pay Ј50 per month on it which is over the minimum payment.
The overdrafts aren't reducing as I use them both in full every month. I would rather get a loan/low-interest credit card and clear the overdraft and credit card together over the next three years. Anyone know the best way of doing it?
Thanks
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