Getting A Little Nervous!

southernscouser

OK, on 21st March my Amazon 0% card will start accuring interest and I am worried I won't be accepted for a new 0% card or a low life balance card.

However, since I last applied and got rejected I have had my ex removed from my report (don't know why she was on it in the first place ), had 3 accounts closed that were still open due to them oweing me a total of 13p :rolleyes: (which was I think nearly £11,000 of potential debt), and have reduced outstanding balances and credit limits. Am going to reduce the limits further in the next few days when all the payments have been processed from this month.

If I don't get accepted for a new card am gonna be a bit !!!!!!ed! :doh:

So this is how things look! :rolleyes:


30th January 2006

Egg (Limit - £500) £197.14
Capital One (Limit - £8,000) £7,092.57
Morgan Stanley (Limit - £2,700) 5.9% for life £2,334.95
Tesco (Limit - £1,000) 7.9% for life £536.29
Amazon (Limit £5,300) 0% - 21st March ‘06 - 12.9% £4,582.59
Tesco Loan 6.7% £16,666.72

Total: £31,410.26


Alot better then when I got my :idea: moment!

22nd September 2005

Egg (Limit - £8,600) £2,933.02
Capital One (Limit - £10,300) £8,093.97
Morgan Stanley (Limit - £2,700) 5.9% for life £2,484.27
Tesco (Limit - £4,100) 7.9% for life £2,899.54
Tesco Loan 6.7% £17,857.20

Total: £34,268.00

jellycat40

You are doing really well. It was card tarting that got me into a mess so I am not the best person to advise you. I just am so full of admiration for your reduction of your debt in just a few months. Well done.

Louise

micheleen

I know you've reduced the limit now, but would you have had an Egg anniversary offer coming up soon ? If so, could you clear Egg and try to get the Egg limit raised again and BT back to that for another 5-6 months 0% ?
Then you could close the Amazon account and have a bit more breathing space for your next 0% application.
Of course if you haven't an anniversary offer coming up soon then the above is no help I'm afraid :rolleyes:

southernscouser

micheleen wrote:

I know you've reduced the limit now, but would you have had an Egg anniversary offer coming up soon ? If so, could you clear Egg and try to get the Egg limit raised again and BT back to that for another 5-6 months 0% ?
Then you could close the Amazon account and have a bit more breathing space for your next 0% application.
Of course if you haven't an anniversary offer coming up soon then the above is no help I'm afraid :rolleyes:

Anniversary date is September which I missed last time coz I hadn't had my lightbulb moment! :doh: :rotfl:

micheleen

Bummer, but don't forget next time

iwanttosave_2

Well done babe, just doing my stalking and I'm amazed at how well you have done, I'm so pleased for you hun.

WTG sweetie x

lottie26_2

Wow you are doing really great i'm sure you will get accepted for a new one.
You have done really well. Good luck. :T

tango

keep it up!! :A we have two defaults which is **** for our credit, but i did notice three credit cards on our credit files, zero balance with limits totalling £20,000 so i will get these closed