Credit card balance transfer

FTBNow

Sorry, I feel I'm spamming this forum today a little but I'm hoping someone can help.

I currently pay £118.31 to a Curry's store card (called YourPlan or Creation Consumer Finance) at 19% interest. The balance is currently £1,770.10.

On my credit report it always falls under credit card, so I'm wondering if it's possible to balance transfer this and if anyone has experience with these accounts? I've discovered on TotallyMoney I can transfer to a Barclaycard 18 month balance transfer: but I'm not sure if the Curry's store card is an account I can even transfer, or if this is even a good offer. I'm completely inexperienced with this kind of stuff as I always just increase my payments for the interest rates.

I'm not looking to extend the credit, just looking for lower repayments really.

Thanks for any help folks.

fatbelly

As far as I know the Currys card works like a normal card so yes you should be able to BT it

FTBNow

And, this is going to sound really stupid but I am genuinely this inexperienced, do I just apply for a balance transfer card online and they ask which balance I want to transfer? Or do I clear the balance on the Currys account by asking for a settlement and "paying" with the balance transfer card?

Rick_Albright

Transfer when you take new credit card out. There is an option for it.

Craig1981

your new crd provider will be the one to say if this can be done or not. dont get a BT card and then make pyment to clear the curry's one, as this wont work and will be classed as a purchase, and doubt they will accept a CC for clearing a store card - Argos will only accept debit card payments, so assume the same type of card with currys

probably bets for a Money Transfer card - money into your bank with a small transaction fee, then pay cash to clear the sore account

fatbelly

I thought Argos was different because it doesn't have a 16-digit number