Have you thought about getting a personal loan rather than using your credit cards? The interest rates charged for loans can be less than rates on credit cards.
Whether a homeowner, tenant, or self employed there should be options here at a rate hopefully you will find affordable. Most of the lenders may offer you a rate to suit your credit rating. There are some lenders however, who only lend to specific indivuals at a fixed rate.
You may consider taking out loan insurance to cover your payments in case you become ill or lose your job. You should look at the conditions of this insurance as it may exclude certain things. Examples could be, getting fired or leaving without having another job. Certain sickness conditions could also be applied.
We have plenty of loans available with repayment terms to suit all budgets.