i need abit of advise here before i jump in too quick!! right i have 3 credit cards and basically i am looking to make it more affordable and also quicker to pay off at the moment i am paying £120 between the 3 per month and it is only taking £36 off what i owe each month so really i am getting no where i have tryed all the 0% on balance transfers and i could only get one to except so i am getting that down by £30 solid no interest but the other 2 nothing is really coming off them and seems like i will be paying it forever. i have just been talking to my bank an they will do me a loan to pay them all basically what would you do i am in favor of the loan at the moment because it is one payment and when it ends thats it done with i owe £5000 between the 3. so what do you think i should do or if you was in my shoes what would you do?
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