Should I look to consolidate my credit card debt and how should I go about doing so?
So I have stupidly gotten myself into some credit card debt (approx 15k) over the last few years, balance transfering onto the next card whenever my 0% finance period expires. Foolish, I know!
I recently tried to transfer onto a new card and I wasnt getting the 0% offers that I previously was. My credit score hasnt changed so im not sure if this is to do with what banks are currently lending? I am now paying interest on approx 10k of the debt.
I have tried to compare loans on moneysupermarket and it is only showing 1 loan option at 35% APR. I have paid for a full credit report on checkmyfile and my score is 140 points above national average so I dont think my credit is the issue...
Where would be the best place to look for a consolidation loan? And is this the correct course of action? I dont want to keep having to apply for credit and hurt my credit score? Any help/insight would be massively appreciated. Thanks