Credit Card options for unemployed

aripple

Looking for balance transfer advice.

Current situation:

Barclaycard balance of approx £2K at a rate of 19.9%
Currently on incapacity benefit due to health reasons

Looking for a balance transfer to a card with the lowest possible interest rate.

Does anyone have any recommendations?

Thanks in advance.

jonesMUFCforever

Is this a stooze pot or a debt you are unable to pay in one lump sum, and also do you still use the card for purchases?

aripple

Thanks for reponding so quickly.

This is a debt that cannot be paid off in one lump sum and no the card will not be used for further purchases.

aripple

Has anyone got any ideas?

Thanks

Still04

What about Nationwide? The rate for BT is 4.9% for 12 months and they only require an income of £6000 a year.

jonesMUFCforever

As you are unemployed I think your chances of getting a 0% card are a bit slim.
If you no longer use the card for purchases try phoning Barclaycard to see if they will offer you a lower rate - don't mention your health difficulties unless you have to. To a sane person if you say that you cannot afford to repay they may well agree to freeze the interest if you can agree (and keep to) a rrepayment programme.