Balance Transfer Card and Low Credit Score

HI, I wonder if anyone can help.  I am currently in a DMP due to finish in 18 months time.  I have two credit cards where I need to transfer them to 0% interest as they're crippling me.  Does anyone have any advice on any alternatives as I'm struggling to find anything due to my low credit score which will obviously be due to my DMP which is place.  There is only £1800 left on the DMP but I really need things sorting out.  Any words of advice would be greatly appreciated.  Thank you


  • Hold on Have you included the credit cards in the DMP?

    Who is your DMP with?

    The answer to both these questions will give us the start we need to advise you.
    If you go down to the woods today you better not go alone.
  • fatbelly
    fatbelly Posts: 20,227
    Name Dropper First Anniversary First Post Cashback Cashier
    So you owe £1800 on the dmp. Hopefully that's with stepchange or similar.

    You also have two credit cards with money owing on them. How much?

    I think it's unlikely that anyone will give you a 0% bt card due to the defaults on your file.

    But if you want to check, check here

    The other option, if we are looking at avoiding 2 new defaults, is to reduce the dmp payment, to token level if necessary, to pay these two
Meet your Ambassadors


  • All Categories
  • 341.7K Banking & Borrowing
  • 249.7K Reduce Debt & Boost Income
  • 449.2K Spending & Discounts
  • 233.9K Work, Benefits & Business
  • 606K Mortgages, Homes & Bills
  • 172.5K Life & Family
  • 246.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.8K Discuss & Feedback
  • 15.1K Coronavirus Support Boards