Can i pick your brains for some advice

CHEAP_AS_CHIPS_4

Hello everyone,

This is the first time i have posted on this board, i usually am found on the DFW or up your income,

i need a credit card for out up coming holiday.

there is 5 of us and i want to make sure we have enough cash.

we have 3 credit cards already and i am worried that we may get turned down,

Does anyone have any advice on companies that it is easy to get a card with (sorry that reads back quite greedy and i dont mean to be)

thank you kindly

chips x

CLAPTON

what do you mean 'we have three cards already'?

who has three cards

are you all adults

do you all have an income

do you have good credit records

why aren't 3 cards enough

CHEAP_AS_CHIPS_4

okay, thank you for your reply,

we means my husband and i

my childern are small

we have 3 together

just my husband has an income

we have an okay credit rating, no defaults or ccjs, just a lot of credit that we have been slowly paying off.

our 3 cards are quite full.

all i wanted was a little bit of advice

darcyvuqua

am i right in saying that the money in you signature is that off your credit cards (outstanding) so why would you want another credit card to increase your debt????? i have had a ccj and defaults there not good so dont spend what you dont have or you eill end up like a leper like me

clio

The op looks very capable from the info in their sig of clearing there financial commitments, after all to pay over 4 grand back in 6 months is not easy is it. CAP1 offer a rate for risk policy so does other credit card companys so if you applied for one of their cards, they may not refuse you but may offer another card at a different rate. GE Money[owned by citi group] do a host of cards and they may be worth a go as well..

CHEAP_AS_CHIPS_4

clio wrote: »

The op looks very capable from the info in their sig of clearing there financial commitments, after all to pay over 4 grand back in 6 months is not easy is it. CAP1 offer a rate for risk policy so does other credit card companys so if you applied for one of their cards, they may not refuse you but may offer another card at a different rate. GE Money[owned by citi group] do a host of cards and they may be worth a go as well..

thank you so much for your help, and kidness:o

we are paying our loans and credit cards slowly but surely, it just that this offer of a holiday from my kind in laws has come a few moths before a big loan will be paid off, so i thought that if i got another credit card i will be able to clear it in a few months

i will try capital one and thank you again for your help x

clio

CAC
here's a list of some of the best deals around , hopefully some one else can tell you a bit more on best way to go about getting a new credit card..
http://www.fool.co.uk/credit-cards/credit-cards.aspx

PS:Barclaycard are another company who offer a rate for risk policy when applying for CC's

darcyvuqua

i did not mean to sound rude but just would hate to see you in the same boat as myself i know that the op is paying off the debts but another credit card would reduce the amount that they are currently paying off exsisting card and maybe if that is too much financially they would only be paying the monthly interest back on the cards i wish you the best of luck getting a new card just think about it first like i said it easy to get a bad credit rating just not as easy getting it back to good


hey hey clio hows things do you see what i mean?

clio

Darcy matey how ya doing.. i know you were not trying to be rude. \0/

CHEAP_AS_CHIPS_4

thank you for your replies and help,

the last thing i would want to do is to take on more credit, its a short term solution as we need the cash next month, 2 months after that we will be able to clear it.

thanks again x

CHEAP_AS_CHIPS_4

I have just applied for a capital one card.......and it wasn't an instant yes or no, it said 7 days, not too hopefull though so i'll just have to wait an see