I need a credit card to pay off my 800 pounds overdraft, as i am being charged alot by the bank for going into this every month!! so i want a credit card s o I can transfer the money from that into my bank account, and pay back over as many months as possible interest free. Ive never had a credit card before and im a bit clueless as to which is the best. Looked all over the internet but there are so many different answers I dont know whats right. Is it a balance transfer I need. Help will be very much appreciated. I also tried virgin credit card already but was declined - because of my overdraft!!