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Balance Transfer Leaves a Balance!
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You're around 22k on a 33k income, which is a fair amount. However, Sainsbury's are one of the more cautious lenders.
Try someone like MBNA. If rejected, leave it a while.0 -
Sure, that makes sense.
But it bothers me now that my un-used cards are being totaled against me, particularly when I don't use them.
Maybe I should get rid of them, leave a few months and try again. Hmmm....
Anyway, thanks for advice, must get some sleep now, 6am start!
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I'd close a couple - lenders know you could suddenly decide to spend on all of them up to the limit. Tesco need a gap of 6 months away from them before you qualify for new customer offersI’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 -
Before you close them, ring and ask and see if any of them can do you a BT offer, if not close a couple and wait a few months then try for a new BT card
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Just popped back to check on this. Thanks for your comments, they've been very helpful.
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Hi,
I got in touch with Tesco & they are offering a 0% balance transfer for 12 months for existing customers, but the offer expires on 2nd November. Guy said they do the offers on a monthly basis.
Just wondering if anyone knows this pattern/history with Tesco & if they are likely to come out with a better offer approaching Christmas - ie~: a longer 0% period??0 -
They usually vary person to person0
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My Virgin cc 0% is coming to an end and they have offered to extend it for 12 months for a 2% fee0
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Interesting.. ..thanks.0
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