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0% credit cards
Geoff5
Posts: 7 Forumite
I`ve tried to get a few 0% credit cards, that will give me £5,900. Iv`e never owned a credit card before, something I`m proud of but I have to repair my roof. As it`s not storm damage/act of god, I have to deal with it. My building society that has my mortgage, wont give me the finances or put it on the mortgage I have with them because I didn`t pass their mortgage calculator. I`m guessing that it`s because of my income, that I canno`t get the amount I need on a 0% credit card.
Is there anything I can do about this. I seriously don`t want to go down the loan route with high interest. My income is £17,000 pa.
Is there anything I can do about this. I seriously don`t want to go down the loan route with high interest. My income is £17,000 pa.
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Comments
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It sounds as if your lack of credit history and also income could be the problem.
What have you applied for to date?0 -
Getting £6K at 0% on a first card is pretty unlikely. Have you tried your bank for a loan ?0
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and would a roofer accept payment by credit card?I’m a Senior Forum Ambassador and I support the Forum Team on the Pensions, Annuities & Retirement Planning, Loans
& Credit Cards boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.
All views are my own and not the official line of MoneySavingExpert.0 -
Have yo approached your bank?0
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I applied for a Nationwide c/c recently and it gave me the credit limit I would be offered after completing a soft search. It may be worth trying them to see how much you would be offered.
Personally I have found Barclaycard & MBNA are the most generous with their limits.
You may be able to get 2 cards with 2 different providers.0 -
I've applied for the above, without success.0
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Because I always prefer to live within my means without support. Way I was bought up.0
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I've tried and it's not enough. If I did go for two cards, it would be too much for me to pay off each month.0
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I've tried and it's not enough. If I did go for two cards, it would be too much for me to pay off each month.
only you could answer that - we do not know what your outgoings/commitments are.I’m a Senior Forum Ambassador and I support the Forum Team on the Pensions, Annuities & Retirement Planning, Loans
& Credit Cards boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.
All views are my own and not the official line of MoneySavingExpert.0
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