Advice please

Dawny_D

Hi,
Im after some advice regarding balance transfers.

I currently have a balance of 1200 on virgin,which id previously transferred from alliance and Leicester,as my 0% period was up,when i went to do the balance transfer,i was told i couldent as both were owned my mbna,but i could have a cash transfer into my bank,which i used to pay the balance on a&l,what i wasnt told that a cash transfer is more costly,i am now being charged £16 a month interest,i pay £50 a month off on virgin,but with that interest,im only paying £3o something off,i have since looked to transfer again,i was refused by egg,and was approved by halifax,but they would only give me a limit of £350,so dident use that,i have applied for my own bank's credit card which is Hsbc,i was declined.
im now wondering what to do next,i havent a huge balance,but want to try and clear it this year.
my account is clear,i did have an overdraft,but have since cleared with a loan,my bank did say to apply again in 3 months as my bank account would look better.
i also want to add i no longer use the credit card,i just want to pay it off.
any advice would be gratefully recieved.
with thanks in advance

Dawny D

Moggles_2

Congratulations on turning things round.
:beer:

I was approved by Halifax, but they would only give me a limit of £350, so didn't use that ...

That's a pity. If the worst happens, Martin's advice is to transfer what you can. (See Martin's *Credit Card Limit: didn't get what you wanted?* article.) You'll still save money.

http://www.moneysavingexpert.com/cards/bad-credit-rating

It might be an idea to post a statement of affairs on the *Debt-Free Wannabe* board. You'll get lots of advice and support there from users who have faced similar situations

http://forums.moneysavingexpert.com/forumdisplay.html?f=76