So my husband and me could do with some help.
I've had a Barclaycard account for years. Its gone to a hefty £9800 or thereabouts. We've just been lazy and not transferred the debt and so now the interest is ridiculous and we're not making a dent in the balance. We've not missed a payment for the life of the balance.
I've just called them to ask for a money transfer to my bank, just to get us through Christmas (we've had a few money crisis situations this year which I won't bore you with) and they've told me its not something they can offer me at present.
So we got looking into transfering our balance to a 0% and adding a money transfer to our current account. This will get us out of trouble for the time being and give us some breathing space until the new year. We have another loan that finishes in April and so the payments for that can go towards paying off the credit card balance.
We've been refused for new credit cards. I'm not surprised if I'm honest. I don't suppose we look like great customers. What do we try next?
I'm hopeless with money. I'm embarrassed and feel stupid.
Help :(
*pressing enter and crossing fingers*
I've had a Barclaycard account for years. Its gone to a hefty £9800 or thereabouts. We've just been lazy and not transferred the debt and so now the interest is ridiculous and we're not making a dent in the balance. We've not missed a payment for the life of the balance.
I've just called them to ask for a money transfer to my bank, just to get us through Christmas (we've had a few money crisis situations this year which I won't bore you with) and they've told me its not something they can offer me at present.
So we got looking into transfering our balance to a 0% and adding a money transfer to our current account. This will get us out of trouble for the time being and give us some breathing space until the new year. We have another loan that finishes in April and so the payments for that can go towards paying off the credit card balance.
We've been refused for new credit cards. I'm not surprised if I'm honest. I don't suppose we look like great customers. What do we try next?
I'm hopeless with money. I'm embarrassed and feel stupid.
Help :(
*pressing enter and crossing fingers*