good and bad credit rating?

sonee2405

hi, if a person defaults or misses a few payments on some of his or her debts but pays the rest off every month without any problem then what would the chances of getting further credit be? for example, i am paying my mobile contract bill on time for the past 3 years and have a current and credit card with hsbc all paid without any problems but i have also had a few problems with payment on previous cards in the past. would it be 50 /50? al i want to do is transfer my hsbc balance on the cc to a better rate but im not sure if i would get a accepted?any advice please?