What to do.

izools

chattychappy wrote: »

Difficult on a relatively low income, but some cards look at household income.

Notably the Creation Mastercard:

http://www.your-application.co.uk/netfinancecertegymicrosite/creation/Welcome.aspx?

They're surprisingly lax with application criteria, too. Best shot for the pair of you, IMHO.

EDIT: How sad chattychappy and I are to be offering advice at this hour. Ima bed.

chattychappy

izools wrote: »

EDIT: How sad chattychappy and I are to be offering advice at this hour. Ima bed.

Well I'm often the nightwatchman here.. mainly cos it's lunchtime where I am! But I thought it odd you were up. Stirling stuff.

kilasuit

My question would be whats the standard APR% when these 0% deals run out?

Reason for this is that it can be a life-saver if you start paying more to the card thats going to charge you the most in interest after the 0% period ends

Also by what method are you paying these off? Monthly minimum via Direct Debit or Manual payment?

Do you have any Standing Orders setup to pay additional amounts on payday? If not i reckon thats the next step

A SOA (statement of affairs) could also be useful to see if you could free up any additional money to pay these off quicker if you cant get any new 0% cards

HTH