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Sub 20% APR that is easy(ish) to get
Plutos_2
Posts: 72 Forumite
in Credit cards
Hi All!
I'm being SOAed at the moment (exciting!) and have got £900 on the capital one classic card at 29.9% and £350 on an overdraft at 23% (I think).
It would be great to bring the rate down while I pay it off - and to pay it faster.
The trouble is i've been rejected for the 0% I applied for (egg) and am unsure what providers are 'kinder' with their lending requirements. My experian score is 387, mainly due to having only lived at my address for 5 months.
Apart from a couple of missed payments at uni, and one in January my credit is good. My wage is pretty reasonable and I've kept up other credit commitments.
Any suggestions as to who (if any) I should apply to? I resent paying the 29.9% to capital one.
Cheers!
I'm being SOAed at the moment (exciting!) and have got £900 on the capital one classic card at 29.9% and £350 on an overdraft at 23% (I think).
It would be great to bring the rate down while I pay it off - and to pay it faster.
The trouble is i've been rejected for the 0% I applied for (egg) and am unsure what providers are 'kinder' with their lending requirements. My experian score is 387, mainly due to having only lived at my address for 5 months.
Apart from a couple of missed payments at uni, and one in January my credit is good. My wage is pretty reasonable and I've kept up other credit commitments.
Any suggestions as to who (if any) I should apply to? I resent paying the 29.9% to capital one.
Cheers!
0
Comments
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Try MBNA
Sidabm0 -
Plutos - have you registered on the electoral roll at your new address yet? Not being listed at your current address will affect your credit score.
James“Official Company Representative
I am an official company representative of Experian. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
Posts by James Jones, Neil Stone, Stuart Storey & Joe Standen0 -
yes, I have although i've only been here for 5 months so I guess it is perhaps too early. I'm going to scrimp to pay this off asap.0
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