Confused..what do I do next..

southernscouser

D&DD wrote:

Evening SS,no 'unfortunately' these are all we have the egg is the 0% one but its only got a 750 limit on it..would it be worth asking for this to be upped?We have only had it since xmas (used it to bt my capital one card debt but have cancelled the capitalone already)

They can only say no!

Just remember though that it will count as a search on your credit file!

Regarding a loan, if your not being accepted for CC's then I don't see it will be any different for loan applications!

D&DD

I just checked on the lloyds one I applied for its not 0% (see I'm even confusing myself lol) its 5.5 for the life of balance which is still much better than I'm paying now IF we are accepted..I'll see what happens with that then if they say no I'll ask egg worth trying as you say.I plan to have more ebay clearouts as I still have the worlds biggest stockpile of fabric here without all the other clutter..so I reckon if I'm lucky I can add £3-400 on my repayments for a few months my main problem at the moment is time or lack of it..Thats how we got in this mess in the first place..I can't go out to work and now can't even work from home so listing and posting it all is really hard work.

moozie_2

Hey there

Things are going well. A lot of soul searching and reflecting this week. Where did I spend all this money is the question that keeps going around my head!

Anyway, you are doing great! :T I particularly liked this bit

D&DD wrote:

as our cards are all making a rather fetching pieced mosaic in the bottom of my bedside drawer :rotfl:

What a nice image!

I hope the Lloyds card application comes back positive. It would be such a nice boost if you could cut those interest rates! Fingers firmly crossed for you

Verbatim

Evening all!

Just wanted to say that and well done DD&D. Glad Moozie's so positive and on message too.

mummytummy

Have you tried Marks and Spencer? I transferred at 3.9% for life of balance and have always found them very helpful (I was a credit card shuffler but no more, the card is going!!!)