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Best Balance Transfers Discussion Area
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This is the discussion area for the guide
Best Balance Transfers: Cut the cost of existing debts
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Best Balance Transfers: Cut the cost of existing debts
Please click reply to discuss
MSE Web Editor, mainly responsible for looking after, and keeping up-to-date, ‘hard-core’ financial articles such as credit cards, savings and loans.
If you spot a rate change that we haven't already mentioned or added into articles or tips, Please send me a PM about it
If you spot a rate change that we haven't already mentioned or added into articles or tips, Please send me a PM about it
Don't miss urgent MoneySaving, hear first by getting Martin's Money Tips Free E-mail at www.moneysavingexpert.com/tips
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Welcome to MSE & the credit card board!
You don't say where you checked your credit score, but these numbers are generally of little use to most people.
It's important to realise, there is NO universal credit rating/score applicable to all lenders and all products, as lenders assess us differently.
Fortunately, there are ways to improve your chances of acceptance next time. For tips, which apply equally to all credit cards, have a look at the *Credit Rating* articles on the main site, in particular, Martin's *Manage and Improve your Credit Score* article, before you submit your next credit card application.
Very best
M
http://www.halifax.co.uk/creditcards/home.asp :j
Capital One 0% 1st November 2008 1.7%
RBS 0% 13 months 2.5% (+£24 Quidco)
Natwest 0% 13 months 2.5% (+£24 Quidco)
Nationwide 0% 10 months 2.5%
Barclaycard Platinum 0% 14 months 2.5%
Post Office 0% 10 months 2.75% (+£20.50 Quidco)
Mint 0% to 1st March 2009 2.9%
Virgin 0% 15 months 2.98%
MNBA 0% 12 months 3% (+£8.50 Quidco)
Egg 0% 15 months 3%
Recent wins: gym class, baby stuff
Thanks to everyone who posts freebies and comps! :j
Presumably, you are on the electoral roll now though. If not, you'll need to register at your present address, before you submit a further application or woe will definitely betide.
If you have any doubts about your electoral status (or anything else), it's worth spending £2, IMO, to have one of the leading CRA's reports - either Experian or Equifax - posted to you. These can be ordered online and usually arrive within 3-4 days.
This varies between lenders. Some launch deals exclusively for online applicants, other offers are marketed solely in-branch or in shops and yet others are offered by post or telephone only.
Most MSEs find online applications convenient, but it's your choice really.
Virgin told me this offer has been extended to the end of February 2008.