Hello - quick transfer query! :)

Henriettaah

Any input appreciated!

I have an outstanding balance on my barclaycard - when making monthly payments, more than half the money is going on interest - so it makes sense I think to have a reshuffle!

I applied for a couple of cards online and wasn't successful, I'm assuming that this is because I have three late payments on my record - one in feb of this year, and two for the CC in Feb and April last year, 2011.

Am I unlikely to get any new credit card offers with this history? So is it best to either approach Virgin - with whom I have a 0 balance credit card account still open - and ask what they can offer me, or look to get another consolidation loan from the bank?

Any advice or suggestions welcome! and thanks for reading

bigadaj

With recent defaults and declined applications you are going to have problems with getting a zero percent card, I would speak to virgin first and see what they can offer.