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@mrluther Thank you for the reply! Have already spoken to AIB and unfortunately they were not helpful at all and didn’t give me any other options. Thank you I’m in the middle of making a budget and it’s not looking as bad as I thought. Yes I think credit union will be my next step that seems to...

I stupidly took out an AIB credit card in my early 20s and ran it to its max (€4,800), have gone through a lot in the last few years and have only recently returned to full time employment. I’m currently making about €1000 a month after rent and bills. I got a credit union account recently but...