would like help on cards/overdraft

bexstar88

I'm currently a 23 year old with university debts and ave graduate natwest card with 500 pound limit which i'm 20 pound off. i'm looking into transferring to another card so i can get just a few christmas christmas presents as i'm currently un-employed but can afford the minimum payments as the card will only get used for christmas after that it will be locked away in a sense so cant touch it no more haha. So just need advice on would i need the o% balance and purchase or either one or would i just be best to go into my lil overdraft.

would like opinions please!!!!:santa2:

[Deleted User]

None of the above. You won't get a card without a job and certainly not a 0% one.

Christmas isn't worth getting deeper into debt for. Stay out of your overdraft, wish everyone a Merry Christmas, offer to dig the snow off their drive instead of a present and look forward to a much less stressed new year.

Good luck with the job hunting.

Tixy

If you have no income you will find it very difficult to get a new credit card.
If you were able to get anything it would be a subprime card with a very high APR, certainly no chance of a 0% card - and even that is very unlikely.

bexstar88 wrote: »

. So just need advice on would i need the o% balance and purchase or either one or would i just be best to go into my lil overdraft.

It would be best not to get into debt at all for xmas presents. Can you not raise a little money by selling things? If not surely family & friends will understand that as you are unemployed you can't afford anything more than token presents - say a box of chocs from your benefit income.