Help, dont know what to do!

jdkerm

I currently have 3 credit cards (Virgin, Barclay and Nationwide) each has approx £650 on each and i'm coming up to the end of my 0% interest term on all of them. I tried to apply for a HSBC card but got denied because apparently I have more out goings than incomings (according to the credit check people) this is far from the truth, i daredn't apply for any more cards in fear of totally messing up my credit history. What should I do? I just want to transfer all my 3 balances onto one card, thats it.

CLAPTON

a couple of applications won't adversely affect your credit record.
try another card. if that does work wait about 3-6 months before trying again.

thesaint

Have you phoned Virgin to ask if they have any offers?
When I asked for a card for my brother on my account, they offered me a good balance transfer offer.

jdkerm

But I already have a Virgin card? What offers do you mean?

tom188

retainer offers. read the thread on the subject.

jdkerm

RIght i've had a look at that thanks, but it looks like i'm unlikely to get a 0% retainer offer so i'm best BT-ing it to another card really.