Barclaycard shafted me- what now??

porsche289

I ran up the limit on my TSB master card to £3000 and after burying my head decided direct action was needed. After reading up on here i applied for a barclaycard to do a balance transfer 0% for 13 months. I got the card a couple of weeks ago but only activated it this morning. After activating it i was told that i was no longer qualified to get the introductory offer of 0% on balnce transfers however i could have the card at normal interest rates. Also my limit would have only been £1100 which wouldnt have been a problem as i could have applied for a different card to clear the remaining balance. Even after speaking to a supervisor they wouldnt budge and give me 0% so i cancelled the card.
Question is what should i do now? If i apply for another card which should i get and will it affect my credit score and any future limit. I need to do something fast as the interest on my mastercard is racking up fast.
Any advice anyone?

porsche289

Anyone help please....

jonesMUFCforever

Concentrate more on paying the debt off is my opinion. Too many credit applications in a short space of time will damage your credit score.
If you have not made any cash advances on the card then the interest should be around £40 per month - are you paying more then the minimum amount?

porsche289

I always pay a little more than the minimum amount but its one step forward and two back. I figured if i could shift at least a third onto a 0% card it would help a little but am hesitant to apply for another card now in case i get stitched up. The only reason i applied for a barclaycard was because of the 0% balance transfer but then after getting the card and activating it im told im not eligible for that offer now. No reason why and no apology. It stinks.

wayoflife

ive got to be quick, im having an early night!!! basically...

first of all speak to your current provider, tell them you are definately going to b/t it out if you dont get a better rate. This will hopefully lower your apr a little whilst your looking for other deals

then get a long term life of balance transfer card. try M&S 7.9% for 2 years and with no b/transfer fee, so your looking at saving about £90.00 straight away....