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help !!! balance transfers and joint accounts
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samara
Posts: 31 Forumite
2 things hit me like a hammer after reading the latest ccards article.
1. i have a mint card that is a balance transfer card whose offer will expire in feb. I have just read the cutoff point is 1-12-08, for new cards,after which your credit file may take a whopping if you apply for a new bt card.
I always pay the minimum amount by dd, but am nowhere near to paying it off.
2. secondly, I have just opened a joint bank account with my wife,who will have no rating as she is from overseas.Will/has this affected me? There is only a cashcard on the account,but we have a joint utility bill together to enable her to open a bank account.
I have recently failed a D.I.P for a blt mortgage with the hbos group,for no reason as far as I could see,and they certainly did not tell me why.The brokers tell me that hbos leaves only a soft print,(or bm solutions anyway).
I'm hoping for some advice here, which card to go for for bt's, or not bother because of the impact.
much appreciated
1. i have a mint card that is a balance transfer card whose offer will expire in feb. I have just read the cutoff point is 1-12-08, for new cards,after which your credit file may take a whopping if you apply for a new bt card.
I always pay the minimum amount by dd, but am nowhere near to paying it off.
2. secondly, I have just opened a joint bank account with my wife,who will have no rating as she is from overseas.Will/has this affected me? There is only a cashcard on the account,but we have a joint utility bill together to enable her to open a bank account.
I have recently failed a D.I.P for a blt mortgage with the hbos group,for no reason as far as I could see,and they certainly did not tell me why.The brokers tell me that hbos leaves only a soft print,(or bm solutions anyway).
I'm hoping for some advice here, which card to go for for bt's, or not bother because of the impact.
much appreciated
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