Credit card or loan?

  • Thread starter Thread starter Luna
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Luna

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I have an overdraft of just over £1000 which im am constantly up to my limit in, i also end up increasing it each month. A lady at the bank reccomended a loan or a credit card to pay off the overdraft and give me a bit if money on the side to live with. I only get paid about £1000 a month, i dont have a car or children and pay about £200 a month rent. I'm also off to america for three months in a couple of months time, havnt bought my plane ticket and will need spending money - so whats the best option to go for?

preferably i would like to be in a position where money i spend is mine and not owing in about 3 years time.
 
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