Getting new deals

magpies79

So new year looking a head I have almost all my debt on 0% and with payments being made to insure these are cleared in time while not taking on or getting into more debt.

In august I should be about £350 better off a month so hopefully things should start to look better however there is one card that is on a 0% that won’t be cleared in time because I’m not in a position to pay more towards it while maintaining the payments I’m making on my other 0% maybe in august I could start to use the £350 but I’ll have to see.

so my question is there anything I should be doing to give me a better chance of getting a card towards the end of the year that would be a 0% for £3,000 I have 4 credits cards with 0 balance 

fluid 0 limit £4,000
Capital one 0 limit £4,000
118 0 limit £3,400 
marbles 0 limit £3,500 

should I close these but it would take my debt ratio up quite a bit so does that make me a bigger risk in getting excepted for better cards down the line or does having that amount of available credit hurt also?

salary is around 38k total credit available on cards is around 25k

retiredbanker1

Once you pay a card off you may get another balance transfer offer - so keep an eye out for that

martinbainbridge1975

have a look in those cards to see if there are any existing customer offers where you could possibly debt shift

could be worth looking at your rbs card to see if there are any offers, if you could free up the HSBC card this might help as I am always getting offers from them whether I have a balance on the card or not

th081

How long have they been at zero balance, I tend to find the zero deals do come from cards at zero balance. I would keep open and see what happens worst case you can try for a fresh card if none come through.

born_again

magpies79 said:

So new year looking a head I have almost all my debt on 0% and with payments being made to insure these are cleared in time while not taking on or getting into more debt.

In august I should be about £350 better off a month so hopefully things should start to look better however there is one card that is on a 0% that won’t be cleared in time because I’m not in a position to pay more towards it while maintaining the payments I’m making on my other 0% maybe in august I could start to use the £350 but I’ll have to see.

so my question is there anything I should be doing to give me a better chance of getting a card towards the end of the year that would be a 0% for £3,000 I have 4 credits cards with 0 balance 

fluid 0 limit £4,000
Capital one 0 limit £4,000
118 0 limit £3,400 
marbles 0 limit £3,500 

should I close these but it would take my debt ratio up quite a bit so does that make me a bigger risk in getting excepted for better cards down the line or does having that amount of available credit hurt also?

salary is around 38k total credit available on cards is around 25k

Main stream lenders will look at the available credit you have. They maybe reluctant to add to your available debt.

No real harm in getting rid of 2 with the highest interest rates. Then look at mainstream in a few months.