The Best Balance Transfers article discussion area

GoogleGuyFAQ

Erm, I use eBay a lot. Is there a card that gives you cash-back for internet stuff?
btw, I'm new so take it easy on me! :rolleyes:

Moggles_2

Hi GoogleGuyFAQ

Welcome to MSE!

This is not a *best balance transfer* question. Please post again on the main credit card board. You'll get lots of replies there.

animal33

Hello new to forums so be patient if i mess this post up, but im after some advice i have 14k spread out on 4 credit cards taking advantage of 0% deals for limited period on 3 of them i would like to transfer it all to one card using one of the life of balance deals to simplify things. ive looked at some of the links from this site which are good but the likes of barclays platinum only allows a 5k swap and ideally id like to transfer the the lot. can anyone help me please as to which company i should apply to and which is the easiest to deal with thank you.

Moggles_2

Hi animal33

Welcome to MSE and the credit card boards!

I have 14k spread out on 4 credit cards taking advantage of 0% deals for limited period on 3 of them. I would like to transfer it all to one card using one of the life of balance deals to simplify things.... Can anyone help me please as to which company I should apply to and which is the easiest to deal with?

Have you considered the Marks & Spencer &More card?
This deal offers fee-free balance transfers at 5.9% p.a. for the life of the balance. The beauty of this card is that you can request your BT(s) at any time up to 6 months from account opening, but please remember - and this is vitally important - not to spend on
the card.;)

gallygirl

Just applied on line for Capital 1 card. Do they normally give decision straight away? They've said they're reviewing my application..... My credit record is perfect (ish ).

If they turn me down I'll...........em......... never try to get an interest free stoozing card off them again - ha, that'll teach them :rotfl:.

Moggles_2

Originally Posted by ali007
Just applied on line for Capital 1 card. Do they normally give decision straight away?

If memory serves, I got instant acceptance, but had to wait three or four days for the
credit limit.

If they turn me down I'll...........em......... never try to get an interest free stoozing card off them again

I'm sure C1 will take that into account. :rolleyes:

Fingers crossed
M

DBOYLE78

Hi there,
A bit of a newbie on here and need some advice. Having opened my first credit card bill in about 10 months, I've discovered what I thought was a £3k bill is indeed slighlty over £8k. After picking myself off the floor I've decided I need to take action quickly to halt the slide. I initially thought about taking out a personal loan to cover it and cut the card in two. However I'm thinking since that the better option might be to take out the Buy & Fly card or one of the others suggested. The simple reason for this is I will be hoping to take out a personal loan in Dec/Jan to finance a car loan (Don't worry I'm not saddling myself completely by debt, I get a car allowance from work).

Can someone make a suggestion on how best to tackle this problem?

Incidentally, I've just noticed I've went over my spending limit on my credit card and think I need to resolve this as a matter of urgency in case this over spend shows up on my credit report.

Would any kind soul like to advise me? Any help greatly appreciated!

Moggles_2

Hi DBOYLE78

Welcome to the credit card boards!

Which credit card(s) do you currently hold?

DBOYLE78

Hi Moggles,
The credit card is an Abbey (Really an MBNA) card rate is 1.4566% a month.

I have two other cards MBNA & Beneficial but dont have a balance on either of them.

Moggles_2

Originally Posted by DBOYLE78
I've just noticed I went over my spending limit on my credit card and think I need to resolve this as a matter of urgency in case this over spend shows up on my credit report.

Absolutely. Having exceeded your credit limit on the Abbey card, you'll need to put that
right first.

I initially thought about taking out a personal loan to cover it and cut the card in two.

I wouldn't cut up the Abbey card if I were you - not yet, anyway

All things considered, the Buy and Fly card is probably your best option, provided that you can clear the balance by July 2010.

Let us know how you get on
M