Im self employed and have around £6000 in credit card debts.I can only pay the minimum amount each month just now as work has dried up and because of this my credit rating has lowered as i missed 3 payments on a TV but subsequently made it up and payed them.All I want is a balance transfer to give me time to pay it off but I keep getting refused now.Im not on a great wage and am now losing sleep over this.Why do they throw money at you then dissapear when they are really needed?My bank loan ends in December after 4 years and i havent missed a single payment.Am I better getting another loan (if they accept me)? Please,any advice greatly appreciated.

Stop applying for more credit; it will only serve to further degrade your credit record, wait until you have cleared the loan in December... still keep paying the min amount on your existing cards, then wait until at least the end of January after the new year for your credit score to improve.

You should by then be in a much better position for acceptance by a 0% balance transfer card to place some of your existing card debt onto.

Thanks very much for the advice.Greatly appreciated.