0% balance transfer help please

Nudgemod

Hi i have got a CC with natwest bank which had the 0% interest for 9 months, it has just ran out so i was going to do a balace transfer and applied for a capital one card but got a reply back today saying my credit score was too low for them to accept me, anywhere else to try? the ammount isnt that large £500 but i dont want really to be paying fees to swap over really.

any help appreciated

Matt

adaze

try the main site martin has an article on CC's somewhere and I am sure it states which ones may be easier to get hold of...

CannyJock

Nudgemod wrote: »

Hi i have got a CC with natwest bank which had the 0% interest for 9 months, it has just ran out so i was going to do a balace transfer and applied for a capital one card but got a reply back today saying my credit score was too low for them to accept me, anywhere else to try? the ammount isnt that large £500 but i dont want really to be paying fees to swap over really.

any help appreciated

Matt

You could try Ulster Bank, they've got a 0% interest for 6 months with 0% fee. Not a long time, but no fee.

You should make a note in your diary or some other reminder so that you've got another card lined up before the 0% period runs out, presumably now you've got interest being charged and you'd have to transfer slightly more than your balance to cover residual interest.

YorkshireBoy

CannyJock wrote: »

You could try Ulster Bank

Sadly though, like the OP's NatWest card, it belongs to the same RBS stable so a BT between the two isn't likely to be possible.

CannyJock

YorkshireBoy wrote: »

Sadly though, like the OP's NatWest card, it belongs to the same RBS stable so a BT between the two isn't likely to be possible.

True true, keep forgetting not everyone has an Egg Money card up their sleeve:)

If they're looking for a direct transfer, I'd point them to the Virgin Money card - not fee free, but the longer 0% period, SBT facilty and easy repayments make it attractive. And if accepted, almost certain to get more than £ 500 credit limit. Don't know anybody first hand who's been refused one yet.