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Instant decisions

i have 1 cc with 1800, 0% expires mid aug, so im looking to xfer. I took the card out in Feb (lloyds), (after being turned down by Halifax in Jan). I have nw applied for another halifax, i did it online and it said that they will contact me in 7-10 days bla bla bla, Which means its just goin to be another decline.Does ne1 know of a ompany that will give an online instant decision? good or bad, i dnt mind, just instant. I think my credit rating is fine. I hve two personal loans, bth been running two years, no late paymnets, and they both now add up to 1000. Then i have the 1800 hundred on Lloyds cc. This isthe only credit iv had, and i have not defaulted evr. earn 14000 pa. Can ne1 comment on which card would be the best to go for? I want 12 months 0%, and fee. i will have it paid off by then. Just want one that will accept?I think halifax will say no again!!!!
Halifax CC [STRIKE]£1322.88[/STRIKE] £0 :j 11.9% Virgin CC [STRIKE]£1534.76[/STRIKE] £1384.76 0% until AUG 13. Grant over payment [STRIKE]£166.66[/STRIKE] £0 :j DFD 31 JUL 13 #102 :beer:
Weight[STRIKE] 164lbs[/STRIKE] :mad: 05 May 164lbs :)Target 146lbs by 30 JUN 13

Happiness is a way of life not a destination.:j

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