Young person here with only a capital one high interest card, need a low interest one

jadex91

I am only 20, I have a high interest capital one card which I got probably just over a year ago, now I need to pay some catalogue stuff and am a bit behind and don't want all the interest piled on so was looking to see if there is a good card with no interest for only about 3 months? That I could pay my catalogue off with that then pay off the card! Help needed thank you

CLAPTON

what do your credit files say
any missed payments
what are your current debts
what is your income
on the electoral roll

jonesMUFCforever

Sorry to say but a good credit rating needs to be earned - it is not a right.

If you are now getting into high interest debt it is a sign that you are over committed.

The only advice I can offer is live within your means - your credit rating will improve over time but there is no magic wand.

osborn99

Barclaycard initial is for people with bad credit and the first 3 months is 0%

dresdendave

jonesMUFCforever wrote: »

Sorry to say but a good credit rating needs to be earned - it is not a right.

If you are now getting into high interest debt it is a sign that you are over committed.

The only advice I can offer is live within your means - your credit rating will improve over time but there is no magic wand.

Might not be what you wanted to hear but please heed the above advice.

Cut back on your spending to the point that you can pay your card balance in full every month. Then you will be paying 0% interest regardless of which card you have.