My credit card debt situation...

Rochdale_Guy

Got my latest CAPITAL ONE Platinum card statement, now at ZERO balance ;D

Thing is, I want one of them on this 3.9% APR for life balance transfer offers but its only for new customers >:(

Shall I phone them up and mention I want this offer and threaten them with cancelling my current card with them if they refuse ?

I also wanna phone up and cancel my ZERO balance TESCO visa card as I don't use that now either....

westernpromise

I'd do both the things you mention.

You've nothing to lose in either case and if you actually do close both accounts then at some point in the not-too-distant future you can always reapply.

Although you occasionally see interesting existing-customer offers, the best deals are more likely to be offered to new customers. So that's one reason to cancel.

The other is that having a lot of cards seems to alarm some lenders, who take it to mean you have too much debt already.

Rochdale_Guy

Thanks for that.

Did I mention I also paid off the amount owed on the BARCLAYCARD GOLD Visa too ?

I'm now actually 53 pence in credit !!!! ;D

Don't know whether to close the BC account or keep it, as I have 2 of those 0% APR for life balance transfer application forms thanks to kind people on here with either a £1 min. monthly spend or one with no mention of a min. spend ;D

The one for the PREMIERSHIP MASTERCARD states for "existing customers only" so I don't know what to do know. And, I won't be applying anyway until the TESCO and CAPITAL ONE cards have been closed (will do this week I promise).

HELP PLEASE !!!!!
???
Rochdale_Guy

Andrea

Hey you

Not sure you need much help Rochdale Guy. You sound like you're doing fine all by yourself. Congratulations on paying off the Barclaycard gold. Thats great news.

Tell you what, how about giving us another run down on the current state of things like you did before. Then we can all have a look and see if theres any more tweaking to be done.

Meanwhile, a really big well done to you - you've done a great job already. Keep at it. ;D

COS

       

Hi all...!  True to my word...I have kept a beady eye out for more of those 0% forms and before getting mobbed by Barclays staff managed to get my hands on 8 app forms for you lot out there!

There are 3-4 left in the branch near to Target Roundabout towards Harrow, Middlesex.  (Dont know the road name).  Located inside on the left by the 2nd set of entrance doors.  Didnt think it was right to snaffle them all!  

So once again, like in my previous post....if your keen...and have a good credit rating and are worthy for this form.......drop me an email.  

The first 8 who are happy to send £1.50 to cover postage will have a form sent to them via recorded delivery.

The forms I believe are of the first type that came out.

In the terms and conditions section:  1.2.b.i  
It states, transactions must be costing at least:
   £1.00 for Barclaycard Premiership
   £0.01 for BarclayCard Visa (  a penny!! ;D  )

When you fill out the app, you have a choice of which card to go for....

Please Subject line the email message " barclaycard % "

Anyone who can make me laugh will get put to the top of the list!!

Sounds good to me!!   ::)

plasmaman

Why dont i come back on site and not register and then ask you all to send me say £1.50 for some forms i may or may not have and give me your address  and may be your credit card number.


To the point anyone answering the advert for these Barclays forms are silly and i am surprised Martins advocating what a kind person this is until we know if there legit. Does anyone know who plasmaman is ? apart from the email being left on site.
yourgirl@69myhouse.freeserve.co.uk

mistral_2

I did try and suggest this at the start COS but got shot down !

Galstonian

At this rate I am feeling picked on if Galastonian had made such a comment would he have been bought up !
>:(

What did I do now?

???

COS

Don't know Galstonion but if you send me £1.50 to PO BOX 14 i might be able to think of a an answer and win a Star "oops" i thinks i'v just lost one ;D

Rochdale_Guy

[glow=yellow,2,300]WILL YOU PEOPLE PLEASE STOP FIGHTING
OVER APPLICATION FORMS IN MY THREAD..  [/glow] >:(

 

Rochdale_Guy

Right then, first off, I phoned up CAPITAL ONE and explained that seeing as I have a ZERO balance on my card, could they match the 3.9% fixed APR balance transfer rate they are offering new customers only, if not, can I close my account etc etc.

Guy puts me on hold for at least 5 minutes then comes back and tells me they have already posted me out a special invitation offer leaflet and I should have already received it. No, I said. Give it a few more days he tells me. If not happy, then call back and re-discuss my account. I think I have then on the run here

Secondly thing is, I phoned up TESCO and said I'd like to close my account, they offered now low balance transfer rates or offers and simply told me my account was now closed and I'd receive a final statement within 2 weeks, and thankyou for my custom !

Oh well, one account closed I guess is better than none ;D

I'll post on here again when I receive this CAPITAL ONE offer in the mail (i.e. I bet he sealed up a leaflet in an envelope as soon as I hung up !!!!)
;D