Long time lurker now needs help

fruitycar

Couldnt find any rules about cross posting,soapologies if I have done this wrong (also posted in credit card forum, but thought I might find some helphere too)
I have just been turned down for a LOB transfer by IF and also informed by my CC that they cannot offer to transfer my cc to one with a better rate.This one is with Lloyds TSB at 21.9 % Can anyone suggest what I can do to bring this down?

skintchick

No, i can't, but if you post an SOA - statement of affairs - detailing all your incomings and outgoings and debts then we can help find extra money to pay it off quicker.

briona

fruitycar wrote:

Couldnt find any rules about cross posting,soapologies if I have done this wrong (also posted in credit card forum, but thought I might find some helphere too)
I have just been turned down for a LOB transfer by IF and also informed by my CC that they cannot offer to transfer my cc to one with a better rate.This one is with Lloyds TSB at 21.9 % Can anyone suggest what I can do to bring this down?

Hi Fruitycar

There isn't actually any way of bringing this down, and if you've been turned down for one card, you may well be turned down for others.

The APR on that card is pretty steep, so you need to free up some money to pay it off quicker. I think that the easiest thing to do now is to post an SOA here [statement of affairs – all your incomings, outgoings, debts and their APRs etc]. People can then advise you on where best to make cutbacks and savings...

Briona

fruitycar

I need to get on with some work so willpost SOA later, but one quick question,I have managed to not use the TSB card for the past four months (yay me ! :T ) and think I might be able to cut it up. Before I do, is there any information on it I should keep in case I can arrange a balnce transfer on it at a later date?