Thank you elcato for replying, when the cc bill is due I divide the amount up over three weeks instead of paying the amount in full, yes we need the overdraft to survive,I only work part time I can only work 15 hours a week as I am my husbands carer as he needs help in getting dressed and also falls alot, so far we haven't missed any payments with mortgage, we have a car which my husband got under the disabled drivers grant, would they come after us for the car? so worried at the moment.