Help, want BT questions...

kidtechnical

Hi there,

I have decided to get rid of 2 storecards & was going to get a 0% card to do a BT, but after reading the info on the site, think I'd be better off getting shot of my overdraft too & doing a super BT. Figure this will cover me if any of the two cards I borrowed from don't allow BTs - my sis recently got a card to pay of balances & one of her cards wouldn't allow it - how can a lender legally disallow you to pay off a debt, by whichever means?

So, anyway, I'm not sure who to go to so need some advice, here's my debts:

235.53 GE Capital bank (mothercare)
444.89 GE Capital Bank (Debenhams)
400.00 RBoS overdraft (instant access current account)

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1080.52

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Not surprisingly, looking at the above statements, it tells me how much interest is being charged per month, but doesn't actually give me the interest rate... I pay minimum amounts on each monthly by direct debit (yes, I know this is bad, but for the last couple of years the ends justified the means & all that). Also just noticed that Mothercare have taken it upon themselves to give me a credit limit of 5,674!! I previously noticed the limit had gone up & called to ask them to put it back down, but they've managed to sneak it back up again when I let my guard down!

Questions:

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*I'd like info on who's offering the best deals for a girl in my position?
*Am I right in thinking super BT is right for me? I'm planning on being a TART & switching till it's all gone, paying minimum by DD & paying off extra whenever I can.
*How do I know if the cards I have allow BTs - it's just taken me 20 mins to work through their automated system to find my current balance, so anyone out there who knows off the top of their heads will save me a call
*Is it legal for a lender to disallow me from paying off a debt with a debt? Money should be money right? Surely if they disallow it they're basically saying "Mr X can pay his debt of with his money cos he inherited it, but Mr Y cannot pay his debt off with his money cos he borrowed it". Doesn't make sense to me!

H2SO4

check sites for 6-9 month 0% BTs - watch out for charges, though. A credit card company cannot say you cannot pay off your debt in full, even if it is through a balance transfer. No card I have seen does not allow BTs. egg is a good card to start with, and search the net & forums to find other good offers, but watch out for any 2% charges MBNA and some others levy.

sicker

I don't think you can't transfer between cards in the same 'stable' e.g. mbna,a&l, virgin, abbey. I would recommend Egg.

John