credit cards

aayush

hi can some please give me some help

I have debits on my credit on one which am paying int and the other two have 0% for now

would be better off to take p/l to clear the cc or move them around on 0% bal trfs which are on offer but some times the cc not offer you enough credit limit to move all in to one card thus making one single payment which will min payment

sorry to trouble you

lisyloo

What's p/l

Sorry I don't understand your question well enough to answer.

aayush

I was trying to ask weather it is better to move debit around or clear it with P/L to avoid paying iintrest if you for get to move the debit when 0% offer expires

Atom

I think p/l would be a personal loan - if so and if i understand your question correctly i would juggle the debt on 0% cards and try to pay off within the 0% period rather than take out more debt to clear another.

Fruit_and_Nut_Case

Atom wrote: »

I think p/l would be a personal loan [...]

Ahh. I thought aayush meant Payday Loan. "Personal Loan" makes more sense.

Atom

Fruit_and_Nut_Case wrote: »

Ahh. I thought aayush meant Payday Loan. That makes more sense.

Well could be - im just guessing

Fruit_and_Nut_Case

Atom wrote: »

Well could be - im just guessing

I've edited my post to clarify waat I really meant.

lisyloo

Well if you really want to save money then BUY A DIARY !!!!

Sorry if that sounds harsh or unsympaththetic but on the one hand you say you want to save money, then imply you can't be bothered to diarise the dates.
It's not rocket science to set up some sort of reminder system - electronic, paper or stickies on the fridge - whatever works for you.

Cheapest way would be to get 0% cards, but you need to not just forget about it if you really want to save money.
If you can't be bothered with remembering dates then get a personal loan so it's all done for you. It will cost you more but it will all be taken care of with direct debits so you don't have to do anything.

aayush

hi can any one let me know how long after i can reapply for cc as b/card have a good offer at present

chattychappy

lisyloo wrote: »

It's not rocket science to set up some sort of reminder system

I was always told that rocket science is pretty easy. It's rocket engineering that is complicated!