hi all,

im after a bit of advice i currently have 2 bank accounts one with barclays and one with hsbc , i do not use the hsbc account this is a solo card account and my barclays is a visa debit account. my question is i have an overdraft of 1490 on my barclays account which im currently in fully and only get paid around 1000 amonth so this never gets fully cleared . should i transfer all my wages and direct debits etc over to my hsbc account and try and pay my overdraft of a bit at a time monthly ? ive just sent of bank chrage claims to barclays for the excessive amounts they have charged me over the years (my own fault i know) so they could close my account anyway. i have never had any problems with barclays its just i cant seem to get rid of this overdraft whilst im currently using this account. also would it improve my credit rating if i switched accounts?

hope ive not waffled on too much

lisa