"Transfer the credit card debt to a 0% card (up to 12 months depending on card)."
Yeah, because the best advice for someone who got in credit card debt in the first place is... get another credit card.
Transferring debt to a 0% credit card and reducing the debt by repaying as much as possible with a direct debit is the most efficient and cost effective way of removing the debt (far cheaper than taking out a loan)bearing in mind the OP has already decided not to use credit cards for any further purchases.
It's one thing to decide not to do it. It's another entirely to follow that course of action. I shudder to think how many people have suffered and even committed suicide because they through they could be clever at juggling credit card debt. If your credit cards are getting you into into debt in such a way, I've found that the best thing is cold turkey.
... This one however won't be accrueing interest for a fixed period.
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