Are your credit card balances getting a bit uncomfortable?
Credit cards can be a great tool. They offer an interest-free period of up to 55 days and often have rewards programmes that can pay off if you're a big spender.
But if you don't pay them off in full each month, they become a very expensive way to borrow money.
Lots of people are apathetic about it and just tell themselves that they'll get out of the credit card debt hole eventually. It's worth taking a more proactive approach.
There are a number of balance transfer offers in the market. If you have a good credit history, you should have no problem applying for a loan with another bank and transferring your balance over.