HI all,

New to this lovely site, hopefully you will be able to help me...

I have an HSBC credit card with a limit of £3000 (at 18.9% APR) and I'm near that limit, I always pay the minimum every month, cos that's all I can do (obviously if I had more to spare I would pay much more each month, and get rid of debt). I also have a current account with HSBC with a limit of £1500 overdraft facility. I'm near that too. Would getting a balance transfer offer on a different credit card be a good option for me? I have looked around and believe it would be, but as with anything 'it all seems too good to be true'. Well, maybe not that strong, but you know what I mean.

My income is minimal (hence why I am near to both limits) and although I do manage to pay off each month as I am now, I am fed up of paying interest and not my actual balance. Infact I am fed up of HSBC's Symbol by now! I am making no progress whatsoever and is very stressful.

What should I do?

I have a new job starting in 3 months (c.15k).

Thanks very much.