To balance transfer or loan, that is the question?

Bluepeter14

Looking for some advice/suggestions please?
I have 2 credit cards, capital one (balance of £2700) and barclaycard (balance of £7200).
Neither are no longer on 0% interest so I'm paying minimum payments per month of £76 on one and £179 on the other.
I need to transfer to either another 0% card or loan.
My concern is that the chances of me getting one 0% card for the total outstanding sum are pretty slim, the chances of me getting 2+ cards reduce further dependant on my credit score?
My score is fair bordering good and a check on MSE eligibility checker comes back with a 70% chance on some cards however my hit rate is only 10%, confused?? YEP? , I just don't want to be declined on my first application!!
Any advice/suggestions would be very much appreciated please?

[Deleted User]

Nothing depends on your score, as that's just a little piece of CRA fiction.

What is your credit history like? And what's your income?

Dandytf

I decided yesterday to go the loan route.

Only 750 across 3 cards though no medium term way of clearing the larger balances.

This will cost me a considerable amount 36 months, though I plan to use maybe 1 card emergancy maybe 1 card fuel/groceries going forward next year.

Bluepeter14

History is pretty good, just these 2 cards in last 6 years....incomes around £24500 pa...I have moved address 3 times in the last 3 years though??

Dandytf

In my dmp years from 2012 until 2019

70% eligibility for any cards is a rejection.

What's the difference with poor credit cards? 90%+ gives a much better chance of cards.

Alternative is a high interest rate loan.