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    • SRod
    • By SRod 9th Jan 19, 1:19 PM
    • 5Posts
    • 6Thanks
    There's no point really is there?
    • #1
    • 9th Jan 19, 1:19 PM
    There's no point really is there? 9th Jan 19 at 1:19 PM
    For all the good advice etc. It is really all for people with money already and good credit rating.

    Earning 40k and being turned down a 0% card for 2 years to pay off 4k should be easy (c. 200 a month). But no.
Page 2
    • DCFC79
    • By DCFC79 10th Jan 19, 8:01 AM
    • 33,774 Posts
    • 21,271 Thanks
    Nothing crippling, just London living costs.

    I stand by what I say, though, all deals are for people with good credit ratings etc. I've tried offering something that will clear a debt, but get ignored.
    Originally posted by SRod
    Its actually good credit history not rating, lenders dont see the ratings just the history.
    • binaryuniverse
    • By binaryuniverse 13th Jan 19, 8:52 AM
    • 809 Posts
    • 520 Thanks
    I stand by what I say, though, all deals are for people with good credit ratings etc.
    Originally posted by SRod
    You're not wrong. As is stated on this website, banks will hand you an umbrella, when it's sunny, and take it back when it's raining. Credit cards are best for people that don't actually need them.

    But think about this way, if someone came to you and asked for money, with the promise that this would sort them out. Would you willingly lend to them, if you knew they already had debt trouble? Or would you be worried that they are just exacerbating the problem, and you won't see that money again?

    It can seem like you're in a pit, that is getting deeper all the time, and all you need is a someone to give you a ladder. However, you do have a decent salary, even for London, and you can get out this. But it takes time and patience. It sounds like you won't get 0% deals, right now, so forget about those, and work on how you are going to pay current debt off without those offers.
    Don't bury your head in the sand. Keep track of your total debt, your spending, and look to how you're going to improve it, month on month.
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