If you can get a balance transfer you'll end up paying a % of the amount transferred but could end up saving yourself quite alot of interest. If you can get one then go for it but continue to pay more than the minimum every month you can afford to do so. Set a budget and stick to it (keep a spending diary if you don't know where your money goes) - every bit you can pay off will save you interest and make it easier to become debt free.

In the meantime pay the extra (the amount above the minimum payment) off the card with the highest interest rate. That will give you the most benefit as it will quickly reduce the amount of interest they charge and mean that you are paying off more of the capital.

If MBNA are charging you interest (ie. you're not on a 0% deal) then you'd be better to pay for everything with cash and not use the card at all.

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.