Help Please .... Help Please

vanilla

Hi i'm not sure if this is any good but i have very bad credit and applied for a aqua card and got it.
When i applied online they told me there and then if i got it and how much my credit limit was.

RHYSDAD

I guess one piece of advice for the future is not to spend £3140 on credit cards with no real plan of how you'll pay the money back. Everyone will at some time need a credit card but try to keep for emergencies only. The best form of interest free shoppoing is not to buy on tick but to hand cash or debit card over making nothing to pay over the coming months. I guess though for your immediate predicament is to pay as much from your monthly budget as possible toward the card if you can or to try Northern Rock for a loan at around 7.9% and consolidate. I've just completed a loan from there after all the grief they've had recently and i have to say completetly trouble free but a bit pushy on the PPI which is entirely up to you whether you take out or not. I didn't.
http://www.northernrock.co.uk/loans/
Of course, other loans at different rates are available.
Good luck!!

Bloke_with_a_simple_life

Heidim wrote: »

hi there,

I have a credit card with MBNA and the 0% has run out so I applied for one at barclay card and capital 1 and have been turned down for both. I have a argos store card and this one credit car . I have no loans ,mortgages or credit.

ANYONE ABLE TO HELP ME AS I NEED A NEW CREDIT CARD AS I AM NOW PAYING 16.5% on £3140.00


HELP

It loks as if yuo need some support on budgetting, cutting spending, living on less money and allocating more to repaying the debts you have built up.

I think yuo will get better advice on these areas on the debt free wannabe site...
http://forums.moneysavingexpert.com/forumdisplay.html?f=76

If you look at some of the sticky threads at the top you will get advice on putting a SOA together and from there you can post and get some good advice.

Good luck

Heidim

i don't think i need to budget just need advice about credit cards and credit just don't want to pay the 16% interest

Heidim

...... should i wait a few weeks before trying for another card ?

bengal-stripe

Heidim wrote: »

i don't think i need to budget.....just don't want to pay the 16% interest

Pay the £3140 back, then it won't cost you any interest.

If you can't, if you haven't got the money, then you've clocked up in 9 or so months over £3000 in debt. That's some £350 a month, you have been spending additional to your income.

And you don't need to budget.....................................:eek:

Heidim

thanks for you help