Got approved for a new CC - one that gives Eur 100 free credit when you make your first purchase... I only intend to use for Internet purchases and pay if off immediately so I'll avoid interest. When my current account is in better shape I will close it.

Also came across a thing that one bank offers in Ireland called a Credit Account. Basically you get approved for a certain amount of credit - in my case it would be Eur 13,000. You can drawdown it down via the Internet as it suits you and you can make repayments as it suits you also - you must pay 2 - 4 % every month but are free to make one-off payments as often as you wish.

The cheapest loan on the Market at the moment is 6.8 % - so I've applied for this over 4 years. However this new Credit Account will charge me 8.15% (approx) but I will be free to make additional payments anytime I want... 20 here, 50 there...etc etc. I am very tempted to go for this as it will mean I will have the money paid back in less than 4 years.

The only temptation is that you will keep drawing down money after you have repaid it ( like a CC)... but I am confident I can withstand it. I'm sure I could have it paid off in 3 yrs or less...

Oh.. happy days :-)

What do you think ?