I am looking to get a credit card to pay off a small overdraft that I am currently paying interest on. I got the overdraft to pay for some distance-learning course fees. Although I pay money towards it every month, the interest rate from my bank is making it more difficult.
I am looking to get a credit card with no interest on it for about 6 months because I should be able to pay it off in 5 months.
I have checked out the various categories of credit card though and I'm very confused. I don't think I need a balance transfer card as I need to pay off an overdraft, not another credit card. However, I don't think it would be classed as a purchase either...should I contact the credit card companies individually to figure out if they will let me use the card in this way? I only need it for the overdraft. I don't have credit cards or loans except for this overdraft so I don't need the card for any spending at all.
Hope you can help, thanks.