need help

langold

i need a card for a blance transfer, i have never missed a payment on anything in my life, i applied for a virgin but got turned down i think its becuase my only other card is a small mbna one , any help would be appreciated thankyou

duggie1982

Depends on how much credit you have already. You can check on moneysupermaket.com for best deals on credit cards etc

langold

i have a joint overdrafty that iwe dont use but for emergencys, the only card i have is the mbna one with a small 0 percent balance

Moggles_2

duggie1982 wrote: »

Depends on how much credit you have already. You can check on moneysupermaket.com for best deals on credit cards etc

Unlike MoneySavingExpert, this is a profit-driven service that lists some, but not all best buys, due to its commercial relationships.

You can get unbiased credit card suggestions here on MSE, if you click on Martin's *Best Balance Transfers* article.

For a comprehensive list of 0% balance transfers cards, updated regularly and not influenced by advertising commissions, the stoozing site, which is sponsored by MoneySavingExpert, is hard to beat

http://www.stoozing.com/0fees.htm

duggie1982

You might not be able to get a good mainstream card until you build your credit up a bit. You might have been rejected though as Virgin are run through MBNA. Try another card to see if you get accepted.

Moggles_2

langold wrote: »

I have a joint overdraft that we don't use but for emergencies. The only card I have is the MBNA one with a small 0 percent balance.

IME and from feedback here, MBNA doesn't mind customers holding more than one card. I have held three at once.

That said, if there's a balance on your current MBNA card, particularly if it's still charged at special promotion rates, you can certainly be turned down or handed a lowish credit limit by MBNA.

duggie1982

Moggles wrote: »

Unlike MoneySavingExpert, this is a profit-driven service that lists some, but not all best buys, due to its commercial relationships.

You can get unbiased credit card suggestions here on MSE, if you click on Martin's *Best Balance Transfers* article.

For a comprehensive list of 0% balance transfers cards, updated regularly and not influenced by advertising commissions, the stoozing site, which is sponsored by MoneySavingExpert, is hard to beat

http://www.stoozing.com/0fees.htm

Very true, but sometimes you can only get certain offers through moneysupermarket due to their 'commercial relationships'

But its always good to check out a few websites to get the best deal

Moggles_2

For tips to improve your chances of credit card acceptance, have a look at the *Credit Rating: how it works and how to improve it guide*, especially Martin's *Manage and Improve your credit score* article

http://www.moneysavingexpert.com/banking/credit-rating-credit-score#improve

To maximise the 0% period, 13 months is currently available to new customers from Halifax on balance transfers made in the first 90 days. There's a 3% BT fee.
Minimum monthly payment is just 1% of the balance shifted

http://www.halifax.co.uk/creditcards/pluscard136.asp

langold

my husband who has a great credit jistory got turned down on the halifax card i dont no why, im a bit worried about applying

langold

ive applied for the halifax, i got turned down for virgin in early april,