Basically, I'm creative director of a small independent media company who has used my credit cards to supplement a company bank overdraft to invest in equipment to help get our business off the ground.

We're starting to make money, (returned a small profit last year) but not quickly enough to pay back the the amount borrowed on my credit card. As this is no longer 0%, but a hefty 16.9% I'm very keen to get rid of it, as soon as possible. My current bank will give me a loan to cover the cost, but they want to charge over 9% - and I'm sure I can do better than that. Also, they want to charge me a fair bit extra in interest, if I find I can pay off the loan early.

My credit score is 999 - just one less than the 1,000 points maximum on the Experian Credit Score rating, making it "Excellent", according to Experian. Although I do have outstanding credit on other cards (a further £8,000 in total), all these are 0% and I'm paying the minimum amount on these cards, by direct debit - to make sure tht I never miss a payment. I'm also overpaying when I can, to further reduce these.

I have a sizeable amount of equity in my house, valued at around £325,000, with oustanding repayment mortgage of £138,000, so well under 50% of the LTV. I've never missed a payment on any of my financial liabilities, hence my excellent credit score.

I understand that I am paying more interest on my expensive credit card which has an outstanding debt on it of just over £8,000. That's way I'm keen to pay it off as soon as possible.

If you check both my ebay and Amazon accounts, I have 100 per cent ratings on both. My account name with each is "badgersarebold"

Questions about this listing

Lenders are invited to ask questions to borrowers. Borrowers will be notified of any questions and can answer if they wish. They may choose not to respond to questions that are too intrusive though.