I currently have credit card debts of ~£6500. £4300 with mbna and ~£2200 with barclaycard. Since christmas I have been making £400 payment between the two cards plus the minimum payments on each. I do however make some use of the mbna card during this time so roughly the card end up about £350 better each month. I plan to do the same for the next couple of month but will not be able to carry on at this rate and was wondering what the best way would be to pay the cards of unsure about a loan or balance transfer. Minimum payments at moment are about £140 which i easy afford. My problem though is I missed a payment before christmas so my credit rating has taken a drive to 625 was 997 about 1 .1/2 year and a half ago as affect due to some search for a possible morgage last year which will come of in 2 months.