Best Balance Transfers Discussion Area

Saurabhdutta

How to transfer my balance to another country?

sandco

Ok here goes. Be nice to me!!

I have the following total debt:
Hilton Credit Card £2245.81 Limit £5,000.00 16.9APR
Barclays Credit Card £1205.83 Limit £10,000.00 13.95APR
TSB Amex Credit Card £2476.82 Limit £3,500.00 13.95APR
Metro Bank Credit Card £280.42 Limit £1,000.00 12.28APR
Smile Credit Card £149.72 Limit £10,000.00 12.9APR
Metro Bank Loan Outstanding £6,136.20 7.63APR

TSB Current account £55.28OD OD Limit £3,000.00 15.43APR (after £500)
Smile Current account £400.88CR OD Limit £500.00 18.9APR
Metro Bank Current account £8.49CR No OD.

I currently have a Balance Transfer of 0% coming to an end on 03/04/2014 of £1030 (TSB).
Offers available to me:
Barclays 0% until August 1st 2015 3.9% fee.
Barclays 0% cash advance until July 1st 2014 1.9% fee.
Smile 0% for 12 months 3.9% fee.
No other offers.

Please can someone work out what I need to do with all this debt. I am paying off the Hilton card first as that has the highest interest rate and am paying off £100 a month on the TSB and Barclays card by Direct Debit. £20 on the metro bank card and minimum payments on the other cards. There is no chance I will have paid off the credit card debt within a few years, so long term offers if possible??

Thanks in advance for any help.

grumbler

Saurabhdutta wrote: »

How to transfer my balance to another country?

Most likely you cannot unless you find a card in another country that offers "Super transfers"

grumbler

Ratboy1972 wrote: »

Flipping hell mate, that for real? I got a £1100 debt but yours is like the debt of a small country!

Come on...
It's just ~£13K. We've seen much bigger amounts here, but the display of the CCs is indeed impressive in this case.

grumbler

sandco wrote: »

Please can someone work out what I need to do with all this debt. I am paying off the Hilton card first as that has the highest interest rate and am paying off £100 a month on the TSB and Barclays card by Direct Debit. £20 on the metro bank card and minimum payments on the other cards. There is no chance I will have paid off the credit card debt within a few years, so long term offers if possible??

For long-term offers see

• Life of Balance

sandco

grumbler wrote: »

Come on...
It's just ~£13K. We've seen much bigger amounts here, but the display of the CCs is indeed impressive in this case.

Howd you mean 'impressive'? Ive got too much access to credit.. or too many cards full stop?

afl2

sandco wrote: »

Ok here goes. Be nice to me!!

I have the following total debt:
Hilton Credit Card £2245.81 Limit £5,000.00 16.9APR
Barclays Credit Card £1205.83 Limit £10,000.00 13.95APR
TSB Amex Credit Card £2476.82 Limit £3,500.00 13.95APR
Metro Bank Credit Card £280.42 Limit £1,000.00 12.28APR
Smile Credit Card £149.72 Limit £10,000.00 12.9APR
Metro Bank Loan Outstanding £6,136.20 7.63APR

TSB Current account £55.28OD OD Limit £3,000.00 15.43APR (after £500)
Smile Current account £400.88CR OD Limit £500.00 18.9APR
Metro Bank Current account £8.49CR No OD.

I currently have a Balance Transfer of 0% coming to an end on 03/04/2014 of £1030 (TSB).
Offers available to me:
Barclays 0% until August 1st 2015 3.9% fee.
Barclays 0% cash advance until July 1st 2014 1.9% fee.
Smile 0% for 12 months 3.9% fee.
No other offers.

Please can someone work out what I need to do with all this debt. I am paying off the Hilton card first as that has the highest interest rate and am paying off £100 a month on the TSB and Barclays card by Direct Debit. £20 on the metro bank card and minimum payments on the other cards. There is no chance I will have paid off the credit card debt within a few years, so long term offers if possible??

Thanks in advance for any help.

Is that £100 on each?? TSB and Barclays?
No joy with the other BT cards that are on the website???

grumbler

sandco wrote: »

Howd you mean 'impressive'? Ive got too much access to credit.. or too many cards full stop?

Yes, too many cards with interest bearing balances on them well below the limits. What's the point?!

sandco

Because clearly I have no idea what I am doing grumbler, and I just asked for help, not judgement or ridicule which you have done.
I am a newbie here and clearly I have not got your massive experience for granted. Maybe in future you should think about your response before (text removed by MSE Forum Team) making comments which other people could take the wrong way.

grumbler

My comment was very straightforward and I don't see how it could be taken the wrong way. If you don't like comments, seek for a private advice instead of posting on an open forum. Also, my comment was not to your post, and in fact was partly defending you.

And if you are a so inexperienced newbie, before teaching me manners you could have at least thanked me for the advice on on the long-term offers that you asked for.