credit card acceptance!!!!!

veryskint_3

I was just wondering, i currently have a virgin credit card, i am trying to transfer my balance to a 0% interest card to pay it off quicker and although i have a credit card already and a husband in full time employment no one will accept me to transfer my balance. Anyone know who will please let me know!!!!

thumshie

There are no guarentees in life.......

I'm guessing that you've applied for quite a few already? This will effect your chances too now. Check the articles/info on 'credit rating' and 'check your credit'- blue links at top of page.

All cards have their own scoring system, and most ask for your income. as a full-time mum this probably isn't much. Some cards however only ask for household income, so you can add your husbands income to it-plus anyone else in the house??. The one that comes to mind is https://www.gemoney.co.uk, they're currently offering 12months 0% with 2.5% BT fee.

hope that helps.

veryskint_3

thumshie wrote:

There are no guarentees in life.......

I'm guessing that you've applied for quite a few already? This will effect your chances too now. Check the articles/info on 'credit rating' and 'check your credit'- blue links at top of page.

All cards have their own scoring system, and most ask for your income. as a full-time mum this probably isn't much. Some cards however only ask for household income, so you can add your husbands income to it-plus anyone else in the house??. The one that comes to mind is https://www.gemoney.co.uk, they're currently offering 12months 0% with 2.5% BT fee.

hope that helps.

I have applied for 1 so far but my original credit card was a halifax one when i was working, i transfered to a 0% interest virgin card when i wasnt working , and i darent apply for another to transfer because as you say it affects your credit rating!

jonesMUFCforever

Do you still have the Halifax card?
If so give them a ring as you could perhaps do a reverse balance transfer back to them.