Apologies if I'm being thick but please advise. So my old JL credit card has a credit limit of £4500. Just applied for my new card and my balance is now £2400! But I owe £3800 on my old card! I can only transfer 90% of my balance over to new card. How do I pay off the remaining £1800 on the old card? I called JL and he was lovely but said that's my new balance and he's doesn't know who can help me.