Re Shuffling Credit Card Debts Advice Please

-MRS_T-

Hello

I would like to get some help with re shuffling my credit card debts to an introductory card for 0% or I am not sure if I would be better with a certain % on lifetime of the balance. I have been reading up on c cards but figures is not my strong point. So

I have 2 credit cards

Virgin which is curently sitting at £3,500 on 0% till November 2010

Barclaycard £3,900 I am not sure what apr that is but I pay about £90 a month on interest.

I think my credit file is ok I checked it a few months back and it looks fine. I pay everything on time every month have maybe been late with a few payments over the last year but very few only when maybe I have forgotten.

Me and hubby both have a huge loan together with the bank so I think this must be taken into account when applying for credit. I tried to get a tesco credit card a few months back but was refused so was hubby.

I currently only pay the minimum payments on both cards as im struggling tbh.

I would like some advice on what is best to do. Would appreciate anyone help

thanks

redpete

-MRS_T- wrote: »

I think my credit file is ok I checked it a few months back and it looks fine. I pay everything on time every month have maybe been late with a few payments over the last year but very few only when maybe I have forgotten.

They all count though, I wouldn't be too confident on your credit rating, especially as...

I tried to get a tesco credit card a few months back but was refused so was hubby.

...which is worrying as...

Virgin which is curently sitting at £3,500 on 0% till November 2010

...and the number of people on here recently who have been complaining about being refused new CCs.

I don't know if low rate balance transfer cards are easier to get than 0% for a time cards, but either type are more difficult to get than they were. I would seriously look at other ways of getting the balances down - maybe try posting an SOA on the DFW board to get some advice.