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27 January 2012

what to pay first- CC vs ODraft

Hi I have £2000 over draft with the back of Scotland which I regularly get hit with massive fines and caught in a bit of a snow ball effect. I also have a £5k Bank of Scotland credit card that is totally maxed out and I am just about making minimum payments. My sister has offered to lend me £2k and I don't know if I should use the whole lot on the over draft or split it between the two debts. any advice would be much appreciated.

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