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i am looking to put 2 credit cards into a loan and would like some advice?
kerry13238
Posts: 442 Forumite
hi i have got 2 credit cards i wish to get a loan to consolidate not sure how to go to my score is 699 i went over my limit twice once in oct 11 and once in dec12 when will this not count against me? am i best to wait till they are off or do it now and who with am i more likely to be accepted by my own bank who my dept is with?
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Comments
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How did you manage to go over your limit in Dec 12 considering it is only Jun 12 at the moment?
You are more likely to be accepted by your bank, who know your true circumstances, than by another lender who will be looking in and guessing.
The missed payment(s) will stay on your record longer than your question remains relevant.
If you do get a loan, tear the cards up - don't go out and spend on them again, thereby racking up even more debt.0
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