Barclaycard 25 Month Balance Transfer

B19JON

Least they didn't decline you. As others have said, just pay back the min and switch when the offer ends.

Tixy

B19JON wrote: »

Least they didn't decline you. As others have said, just pay back the min and switch when the offer ends.

Better to pay off as much as you can each month - in case you find cannot get another 0% card in 12months time (or at least if you only pay the minimum, work on building up as much as you can in savings over the next 12months so that you can then pay off as much as you can before the end of the 0% deal).

izools

BugsyBrowne wrote: »

You'll need to get a default or go bankrupt to get an excellent score on Experian I'm afraid.

pho wrote: »

Eh? How do you mean?

I have a discharged bankruptcy order and six satisfied defaults on my Experian credit file and they rate me as "Excellent".

Seriously, these scores are utter rubbish, don't pay attention to them.

Although having said that I have had no trouble whatsoever being approved for pretty much anything I apply for, and it has been over five years since any adverse data was added to my credit file, it's all flawless since