my 0% interest is coming to an end

curlyboy

Hi all

My barclaycard end Jan 2010 interest free
and my Tesco card 0% also ends

Is it worth calling to see what sort of new deal they can offer me because it referts to around 18 % shortly..or just apply for new cards and balance transfer >????

£1400 on b/c
£900 on tesco card

thanks everyone

CannyJock

Your current cards won't give you another 0% deal from or extend the current one while you've got a balance on the cards.

Your best bet is to apply for another card and transfer the balance. You'd need to do this asap to get the card intime and the balance transferred.

Virgin money are doing 0% for 16 months on balance transfers - that's where I'd try if I were you.

curlyboy

my missus at the same address as me has a virgin card for 16 months interest free does ot matter If I apply

I have 1 any search on my credit file since April last year that was for my my mobile phone contract, I have a fair credit file. are virgin pretty good at applications ??

CannyJock

They tend to be.

If your missus has only recently obtained the card, can you not transfer the balance to her card and work to clear it from there?

curlyboy

she has had the card 10 months I did transfer to her card 10 months ago lol. for one of my old cards

NickX

curlyboy wrote: »

my missus at the same address as me has a virgin card for 16 months interest free does ot matter If I apply

No, your wife's credit history is not relevant. It is your history which Virgin will assess when you apply for their card.

Provided you have always paid your Minimum Payments ontime, I don't see why you wouldn't be accepted. I have always found Virgin very generous with their Credit Limits. Good Luck.

curlyboy

great

so I have the following

tesco £900
Barclay c £1400
abbey £375

and one credit search since april last year, so shall i go for it with Virgin guys ? ? ?

CannyJock

I would. Worth a spin.

mab2000

It took me nearly 3 weeks to get my virgin card so apply very soon if i were you.

curlyboy

my did apply for a virgin card I think 2 years and was declined I think it was i done so many applications but i cant quite remember ...how do u know if you have been accepted ??? shall I apply on line or over the phone I know after the application on the phone they say " great u will receive a letter in 7 days does that mean u have been declined ??

thanks

mab2000

They say that they aim to give you an instant descision online, but they dont always. I got a message saying that they needed to get more information but if i was accepted i would receive my card in 7-10 days. After 10 days i had heard nothing so assumed i was rejected however later on that day i received a text saying the card was on its way and would receive it in 7-10 days.