credit card transfer problems - serious help!

Mark_engage

Here is the deal:

I had to pay £3,500 off on my credit card. I was hoping then to open another credit card and do a 0% bank transfer. However, I also have a loan for £25k and I think that this affected me trying to open a Barclycard. I was offered a Barclaycard but I was only offered a maximum of £380 credit, therefore not being able to transfer the £3,5k. My plan was foiled!

So, I am currently paying £110 per month to pay off the £3.5k credit card.

Anyone got any advice? Is there a credit card that I can open that will have a 0% interest on a balance transfer and are likely to accept £3.5 k?

HELP!

smartsaver

I'd try IF Intelligent Finance. They gave me 3.900 and hubby 11k. Instant decision and credit limit online.

Jacster_2

Another option might be M&S More

Discussion about it on this thread

From views on that forum, credit limits not overly generous, but have a look and see what you think

Cheers

smartsaver

We were both rejected for m&s and scottish widows but got an IF card.

Mark_engage

Is this a 0% balance transfer? Do you have a web address for this?

smartsaver

It's 0% on BT and purchases for 9 months. http://www.if.com/creditcard/offset_creditcard.asp is the website. Sorry in a rush. Hope this helps

deemy2004

Mark_engage wrote:

Here is the deal:

So, I am currently paying £110 per month to pay off the £3.5k credit card.

Anyone got any advice? Is there a credit card that I can open that will have a 0% interest on a balance transfer and are likely to accept £3.5 k?

HELP!

Well, since its reached the panic stage, I would hit as many cards to hopefully get one or some that would cover the whole debt. Multiple card apps..

smartsaver

Still think from personal experience that IF is your best bet

skr80ab

thanks - I have gone for the IF one - need another few months at 0%

simonleblank

I have just followed the link to IF. I think it says you can't apply if you have RBS or Halifax cards, can somebody please confirm? If so, what is next best option for me? I currently have EGG, HALIFAX, ABBEY, BARCLAY AND CAP-1. I am going to cancel HALIFAX in June

smartsaver

simonleblank wrote:

I have just followed the link to IF. I think it says you can't apply if you have RBS or Halifax cards, can somebody please confirm? If so, what is next best option for me? I currently have EGG, HALIFAX, ABBEY, BARCLAY AND CAP-1. I am going to cancel HALIFAX in June

You can apply if you have RBS or Halifax but can't BT between them. You can always BT to EGG to gert funds into your current account.