I'm trying to find (again) a decent card to transfer my outstanding balance to. How many options do I have? In other words, when am I going to run out of places to try? Who are the main companies. I want to find this out before I apply for a new card and get refused as I'm worried that will reflect on my overall credit rating.
Best card deals out there at the moment?
- Thread starter Rachelle
- Start date
Which cards do you already hold / have held recently and how long ago were they closed?
There are a lot of credit cards and issuing bank groups to list.
Virgin Money is the best at the moment and one of the easier ones to get / highest credit limit likely Virgin Money Credit Card
There are a lot of credit cards and issuing bank groups to list.
Virgin Money is the best at the moment and one of the easier ones to get / highest credit limit likely Virgin Money Credit Card
You don't have to close them - although when you apply for another credit card they will take into account your current available credit amount and if you can afford to borrow more based on your current income.
Virgin is definitely a good one to hold onto because they often offer existing customer balance transfer deals.
Other credit cards available that you don't have or have as part of a banking group include Halifax (HBOS) with 0% for 9 months, Post Office (Bank of Ireland) 0% for 12 months, Barclaycard with 0% for 15 months, Abbey with 0% for 15 months.
There are a lot available - but you need to check if you meet the minimum requirements.
Virgin is definitely a good one to hold onto because they often offer existing customer balance transfer deals.
Other credit cards available that you don't have or have as part of a banking group include Halifax (HBOS) with 0% for 9 months, Post Office (Bank of Ireland) 0% for 12 months, Barclaycard with 0% for 15 months, Abbey with 0% for 15 months.
There are a lot available - but you need to check if you meet the minimum requirements.
Be careful not to apply for too many credit cards at once as this will start to affect future applications if you apply for more than 2 every 6 months.
There are plenty of 0% deals out there from various issuers. Have you thought about a life of balance deal - as this would give you a low rate until you paid the balance off in full so you wouldn't have to worry about switching every year or so.
It's worth using a comparison site, like Credit Card Comparison Online for example, so you can see all the different deals in one place.
Good luck!
There are plenty of 0% deals out there from various issuers. Have you thought about a life of balance deal - as this would give you a low rate until you paid the balance off in full so you wouldn't have to worry about switching every year or so.
It's worth using a comparison site, like Credit Card Comparison Online for example, so you can see all the different deals in one place.
Good luck!
I have a barclays card with outstanding balance I would like to transfer. Does anyone know if transfering balance to another card will negatively affect my credit rating?
I strongly agree with, needs to be more careful to keep the cards rating good. What about Rachelle at least he solved the issue. wish good luck..Be careful not to apply for too many credit cards at once as this will start to affect future applications if you apply for more than 2 every 6 months.
There are plenty of 0% deals out there from various issuers. Have you thought about a life of balance deal - as this would give you a low rate until you paid the balance off in full so you wouldn't have to worry about switching every year or so.
It's worth using a comparison site, like Credit Card Comparison Online for example, so you can see all the different deals in one place.
Good luck!