Help with changing cards

WELLSIANA

I swapped a couple of cards by following martins advice which was great. Then both cards halved my credit limit which i put down to the crunch and i didnt want to spend on them anyway just clear old debt. Problem is the deals are ending and martin advises to switch to stay in 0% etc and yet no card ive contacted says they will allow me a switch saying ive enough credit. So i cant get a better deal...Any ideas men ans ladies as i thought it would be simple to change cards. ta

[Deleted User]

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thenudeone

WELLSIANA wrote: »

yet no card ive contacted says they will allow me a switch saying ive enough credit. So i cant get a better deal...

I am an experienced stoozer yet it has become increasingly difficult to find good deals lately, or even to keep accounts open in some cases!

The card issuers each have very different criteria.

For example in the last last two weeks:
1) CapitalOne wrote offering me 0% BT for 9mths, 2.99% fee (£6k limit, balance nil)
2) Nationwide wrote to say they had already closed my long standing but largely inactive account with a £2k limit, suggesting I already had too much credit (its actually about 50% of income)!
3) Priority Club Visa offered 0% BT 9mths, 3%(?) fee

So just because one turns you down doesn't mean others will, although trying several in turn will affect your credit file, as you may appear desperate.