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Warning: You are editing an old version: By Anonymous at 2015-02-20 13:45:47

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Body:	Firstly if you have never been late for the last 6 years then I'm assuming that you have a petrty good credit rating. I have been there, done that and am coming to the end of getting myself out of the debt, whilst i wouldn't presume to tell you what to do, I will tell you what I did.1. Stop using the card, cut it up.2. Make sure you are not paying the Payment Protection that should save you a lot per month (only stop this though if you can, you may have other insurance to protect you or you are not likely to lose your job in the very short term difficult but your call) This part is down to you weighing up all the options3. Check out other credit card companies and see what balance transfer deals with X months interest free there are4. Apply to one or two other credit card companies where by you can either transfer the whole balance to one card or split the difference across the two.5. Having bounced the credit onto a new card with 9 or 12 months interest free (so you won't be incurring any interest) pay off as much as you possibly can per month.6. Towards the end of this interest free period, go back to your original credit card provider and now see if they have any deals regarding interest free for balance transfers (sometimes they want you back because they think that you will get into the same mess again.. BUT YOU ARE NOT GOING TO LET THAT HAPPEN!)7. Contact other providers and try to bounce the debt again.. by now it would have been nearly 1 year since you last did it.I did this a number of times, have a great credit scoring (I pay experian to access my credit record) and am coming to the end of paying off nearly a318k of debt. Yes it has taken a few years. The only other thing I would do and it depends on your circumstances would be if you have a mortgage and you have some equity in your house extend it, its the cheapest loan you will ever ever get.Good luck with it.. if my answer does anything hopefully it shows you that it can be done. I looked at debt consolidation but it screws your credit rating and they are real sharks and causes you no end but trouble. Friends have used companies in the past and there are numerous horror stories of them consolidating the debt, but in the long run costing them much much more.. they may not be paying a mad amount per mnth, but they are paying much more for much much longer.. At the beginning I even had a consolidation company tell me that I should take a debt consolidation loan for a322k because of all the stress I had been under and maybe (AND I'm NOT KIDDING HERE) go on a holiday. With that much debt, going on a holiday was one of the things that got me into this mess I personally don't trust them.
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