Age 20, Perfect credit rating, Refused Loan? Any help

PROLIANT

I have applied for several loans and have been declined for all of them, I have two credit cards with a total balance of £820, this was racked up due to changing jobs and I used my cards as a cash-flow tool however it is going to take wee while to clear them as I dont want to skint myself, hence the loan is to clear them to save me paying stupid interest, I have no bad credit and I am not over commited as far as my available credit goes, I have tried every bank, BS and they all said no. Any suggestions?

ShimSham

@PROLIANT
I'm no expert, and I'm sure someone more qualified will come along and offer advice. But I would suggest that you hold off making any more credit applications for a few months.

Instead, check whether either of the credit cards you already have are offering any good balance transfer deals, such as 0% interest rates or a low interest rate that will be fixed for the life of the balance.

You will have to pay a 3% fee but at least you will be able to limit the interest you pay.