Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
  • FIRST POST
    • Leon1971
    • By Leon1971 11th Jan 19, 12:17 PM
    • 1Posts
    • 0Thanks
    Leon1971
    Credit Card Applications
    • #1
    • 11th Jan 19, 12:17 PM
    Credit Card Applications 11th Jan 19 at 12:17 PM
    Hello Forum,

    I have three credit cards with which i juggle around to service my debt and hopefully pay minimal interest on. The cards being Santander,MBNA and Tesco. The issue that i have is that i work part time and want to apply for a better card that provides lower fees and a longer period to pay off some of the debt. The debt is quite large, but my part time earnings cover the mortgage and credit card payments, so have a good credit score but seem to be unable to get great deals because my earnings are less than the debt. Any ideas anyone.
Page 1
    • BoGoF
    • By BoGoF 11th Jan 19, 12:22 PM
    • 4,003 Posts
    • 3,467 Thanks
    BoGoF
    • #2
    • 11th Jan 19, 12:22 PM
    • #2
    • 11th Jan 19, 12:22 PM
    Until you pay some debt off you are pretty much stuck.
    • Willing2Learn
    • By Willing2Learn 11th Jan 19, 12:23 PM
    • 2,567 Posts
    • 2,107 Thanks
    Willing2Learn
    • #3
    • 11th Jan 19, 12:23 PM
    • #3
    • 11th Jan 19, 12:23 PM
    What are the current card limits?
    What are their balances?
    What is your annual salary?
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • onlyfoolsandparking
    • By onlyfoolsandparking 11th Jan 19, 1:31 PM
    • 722 Posts
    • 958 Thanks
    onlyfoolsandparking
    • #4
    • 11th Jan 19, 1:31 PM
    • #4
    • 11th Jan 19, 1:31 PM
    You will only find out if you apply for a new card, you should of course do an eligibility check to find out which card you potentially have the best chance of getting but nothing is 100% certain until you apply.
    The real meaning of life is the pursuit of happiness and avoidance of pain
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,640Posts Today

7,531Users online

Martin's Twitter
  • Now come on that's a bit unfair!!!!! I could've done a handstand (well headstand) first if you'd asked! Sheesh! https://t.co/01Pf9Z99B1

  • It isn't statistically representative true. But to say that tells us nothing isn't correct. It shows what people i? https://t.co/JBLu6Cd8a5

  • Very interesting that on my Facebook page (which tends to be more pro Brexit) the same vote, with similar number of? https://t.co/NgYxaQDCnr

  • Follow Martin