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which card would u recomm for this situation ?
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BartGirl
Posts: 510 Forumite
in Credit cards
i have only 1 CC which is Vanquis :eek: the apr is horrific. Some odd-30%Apr. I have a balance of about £ 1,350 on it. The min payments on it are roughly £60/month and i regularly pay double that..i donot spend on it.
I'm thinking of doing a BT to something with 0% so that'll help clear it quicker. My credit rating is 'fair'. I have no loans and an available OD with Barclays - but dont use that.
2 CCJs though..
I know that probably Tesco or Virgin are my only options. Which is stricter than the other ?
Or any other advice ? Thanks..
I'm thinking of doing a BT to something with 0% so that'll help clear it quicker. My credit rating is 'fair'. I have no loans and an available OD with Barclays - but dont use that.
2 CCJs though..
I know that probably Tesco or Virgin are my only options. Which is stricter than the other ?
Or any other advice ? Thanks..
CC1: [strike]1,500[/strike] CC2:[strike]£830[/strike] Vanquis [strike]£1500[/strike] £2000 left
S.Elec: [strike]£258[/strike] £ 0
CT [strike]1734.52[/strike] £ 0
Ebay £ 10.00 /MystShop £ 17.00/Quidco £ 0 so far!
S.Elec: [strike]£258[/strike] £ 0
CT [strike]1734.52[/strike] £ 0
Ebay £ 10.00 /MystShop £ 17.00/Quidco £ 0 so far!
0
Comments
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bumping it up!CC1: [strike]1,500[/strike] CC2:[strike]£830[/strike] Vanquis [strike]£1500[/strike] £2000 left
S.Elec: [strike]£258[/strike] £ 0
CT [strike]1734.52[/strike] £ 0
Ebay £ 10.00 /MystShop £ 17.00/Quidco £ 0 so far!0 -
Tesco are extremely strict. I've seen numerous threads that moan about people being declined for Tesco cards... including myself, and I've never even had a missed payment, ever.
Virgin are more likely. But with 2 CCJs on file, it's a 50-50 shot at best I'd say. Worth a try, though.You're spelling is effecting me so much. Im trying not to be phased by it but your all making me loose my mind on mass!! My head is loosing it's hair. I'm going to take myself off the electoral role like I should of done ages ago and move to the Caribean. I already brought my plane ticket, all be it a refundable 1.0 -
If you've shown barclays you can manage your overdraft, why don't you try barclaycard?Don't worry about typing out my username - Call me COMP(Unless you know my real name - in which case, feel free to use that just to confuse people!)0
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clearing_out_my_pockets wrote: »If you've shown barclays you can manage your overdraft, why don't you try barclaycard?
What he said:beer:0
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