Not sure.....any help/advice??

Harman83

Hi all,

Just after a little advice. Have a creidt card with Virgin/MBNA with a current balance of around £1900.00 and also a card with Barclaycard with a similar balance. Basically the Virgin card is getting absolutely hammered with interest, I think I pay around £50.00 a month, the Barclaycard is less but still quite high.

I want to try and get a card with a balance transfer offer for at least one of them so that I can get this debt paid once and for all!! My credit rating I think is okay. I have a mortgage never missed a payment, loan that has never missed a payment, the only problem is I have been a couple of days late twice this year in paying the virgin card....nothing major but still I got a late default charge on the account.

I want to apply for a new card but alot of companies are the same....ie virgin and MBNA . Can anyone recommend a company to use, someone that wont be to fussy........if I get turned down at least I've tried....I know how fussy they can be. My wife already has a card with Nationwide so I dont think I can try them.

Any advice would be appreciated, thank you
.....

YorkshireBoy

Harman83 wrote: »

...the only problem is I have been a couple of days late twice this year in paying the virgin card....nothing major but still I got a late default charge on the account.

"Nothing Major"? We've only had 4 months so far this year and you've been late twice! Very recent late payments will impact your credit rating quite a lot.

...someone that wont be to fussy

Every lender is "fussy". Your bank, ie they that receive your income, may offer the best chance. After all, they know more about your finances than anyone.