can i get a 0% interest cc with adverse credit?

fariba3

Hi, I've had a few late payments in the past and HSBC recently registered me in arrears for about 3 months in a row which hurt me bad but it's all paid now.

I just want to get an interest free card to transfer my balances but i've been turned down now by a few banks. Does anyone know of one that might not be so strict?

ontheup_3

I dont think you'll get one with 0% with adverse credit , the only ones i would have thought you might get would be high rate cards , but you must be careful because if you have applied for cards and been turned down and you keep re-applying your rating will only get worse , maybe try keeping repayment up for a while before trying again so it looks like a small blip in what has been a good cradit history , hope this helps

GaryTravers

you say it is to transfer your balances.....

if you have a bad credit score at the moment, it is unlikely that any one will offer you a low interest card.

the ones you are more likely to get are the 30 ish % cards (capital one, barclaycard initial, vanquis, all for those with 'bad' credit scores)

if its to consilidate, you may be better getting a lower interest loan to pay off these balances.

(only as you may get a lower rate than some of the above cards are willing to give you)

Do wait for some other people to give adice though...