New user, SOA included

miss_missy

julespickles wrote: »

No missed payments in last 3 years, just no money left after them! I've applied for a 0% card, to see if I can transfer Barclaycard/MBNA which are my cards, just waiting to hear.

we all know what thats like
who did you apply to, when and how ie online???
someone might beable to let you know how long it takes to find out

WASHER

If it was online, it is usually an instant decision.

Jules, my advice also would be not to choose a company who you bank with, the reason being if you or your OH lost your jobs and had difficulty repaying your debts, the bank could and do take your money out of your account without your permisson, its called off-setting, perfectly legal, but very few no about it.

No-one should get credit cards/loans out with the company they bank with imo.

I know Jules you are no where near this stage, but other people read these threads too and the above is good advice for anyone to bear in mind if in debt and attempting to get a low apr card out to balance transfer.

LittleMoog

miss_missy wrote: »

hi
can understand what your saying however maybe its worth showing your other have snowball calculator first without the 2500 paying off a debt then with it paying off one of the highest aprs

try it for yourself but i have to say it can be quite difficult to see what it comes back, however we will all be here to help

I tried that at the weekend, he's not budging, I'll give him a few weeks to settle down and try again.

LittleMoog

miss_missy wrote: »

we all know what thats like
who did you apply to, when and how ie online???
someone might beable to let you know how long it takes to find out

It was with Santander, as already have MBNA and Barclaycard, so they were the next best 0% deal. If i don't get a reply in the post after a week I'll ring and find out what's going on.

WASHER

julespickles wrote: »

I tried that at the weekend, he's not budging, I'll give him a few weeks to settle down and try again.

Jules, I would leave the money in the ISA then, its only £2.5K and it is not worth you and your OH fighting over it, it just means that you will pay a little more interest on your debts, but sometimes that better than having a really frosty few days if you upset the other half. Who knows, in a few months he may say to you, I have an idea? Why don't we use the money in the ISA to repay some of our debts, and you will say, thats a really good idea, why didn't I think of that:D