We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

credit card BT, advise needed

Options
shiwen55
shiwen55 Posts: 124 Forumite
Fourth Anniversary 100 Posts Photogenic Combo Breaker
edited 5 June 2017 at 1:46PM in Credit cards
Hi,


To cut the story short, I have used my mom's credit and paying it back (my credit is getting better now). I have just received a BT offer card from Tesco, okay.


One of my mom's card, BOS, is on BT offer until Sep 2019 - I have transferred some of my debt to her TSB for 15 months free interest BT.


Now, my plan is to reduce as much as TSB and keep paying BOS. Dec 2018, I will have a clean credit file so by Sep 2019, I can definitely apply for another BT card and transfer BOS and whatsoever is left.


Or, I can pay as much as I can towards BOS and shuffle between TSB and my Halifax. (TSB 15 months, Halifax 9 months - until cleared)


What do you think? Do you have any advise?


Thanks,


shiwen55

Comments

This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.8K Banking & Borrowing
  • 253K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.8K Work, Benefits & Business
  • 598.6K Mortgages, Homes & Bills
  • 176.8K Life & Family
  • 257.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.