Update from Me - following GoingforGold & Teds good advice - Thank ye.......I applied for interest free credit card, got same, transferred 8000 over to that of the 11000. received cheque from shares for 2500, knocked that off the 3000 left on credit card, and I will chop away at the other 1000.00 to clear it by end of Oct.. No Tenants yet but some enquiries. I stayed away from MABs. Opened up that credit union account. So on the right track now - thanks everyone for dragging me out of the blur and putting me on the right track