I have a couple of credit cards, one of which is 14000. I also have a interest car loan which will be paid off in 18 months time. I have never missed a payment, been late in payment, had any financial difficulties, and have paid a previous loan off early. I would like to take out a loan to pay the 14000 credit card off (which has an extortionate interest rate) but I apparently have a less than average credit score purely because of the amount of money I have in my name (even though I can easily pay my bills). As a result I get rejected when I apply for a loan as the system does not take in to account I will be paying off a debt with this one. Is there any way I can get out of this chicken and egg scenario? Will I be better off going to my local branch in the high street and speaking to them rather than applying online?