Matt H
Member
Registered: 11th Sep 01
Location: South Yorkshire
User status: Offline
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Time to start looking for a new 0% deal, need to do a balance transfer.
Not done one for a while, is it tricky to get one these days? With all this credit crunch bollocks going on?
I know the last time Virgin kicked me back, but I've never had anything else declined before. I know it's not good for a credit rating to be declined credit, are there any that are easier to get than others?
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Aaron
Member
Registered: 9th Aug 04
Location: Cottingham, East Riding
User status: Offline
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I tried to get a Capital One card some time ago and they kicked me back....but offered me one with a stupidly high rate of interest insted  ....which i kicked back
Edit, i've got an un-blemished credit record too. Never missed a payment or had any debt, had a mortgage for 2 years etc
[Edited on 06-11-2008 by Aaron]
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Matt H
Member
Registered: 11th Sep 01
Location: South Yorkshire
User status: Offline
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MBNA & Egg have accepted me, credit Crunch FTW
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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quote:
Originally posted by Aaron
I tried to get a Capital One card some time ago and they kicked me back....but offered me one with a stupidly high rate of interest insted ....which i kicked back
Edit, i've got an un-blemished credit record too. Never missed a payment or had any debt, had a mortgage for 2 years etc
[Edited on 06-11-2008 by Aaron]
Same with me, although ive been told apparently they knock you back on the best deals sometimes if your credit ratings good as they figure they wont make any money off you!!
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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i applied for a natwest one and got it straight away.
i always get application forms coming through the letterbox practically begging me to take out their 0% cards.
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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Tesco Clubcard Credticard are doing 0% for 16 months/until 2010 some time 
I don't have trouble, ever, cause I'm a student. Even ones which say "income at least £10k" I get them. Weird.
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Doldy
Member
Registered: 13th Mar 08
Location: Norwich
User status: Offline
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Wierd, i have a halifax and got 10months intrest free no problems. £2,000, going up to £3,000 next month.
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a_j_mair
Member
Registered: 23rd Jan 04
Location: Scotland
User status: Offline
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Capital one cards are not easy to get
i just got a virgin interest free until feb 2010 on balance transfers
and fed 09 on purchases
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Ian W
Member
Registered: 8th Nov 03
Location: Wirral, Merseyside
User status: Offline
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Capital one knocked me back on there best deal and gave me another one, only a 1k limit though, waste of time
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BigSte
Member
Registered: 27th Aug 02
Location: Sheffield
User status: Offline
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got mine with HSBC in Feb, no problem.
0% for 12months with a £5k limit..... just cleared it all recently while I was feeling flush so prob won't ever use it again
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gtitim
Member
Registered: 13th Feb 05
Location: the boonies
User status: Offline
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just got an Egg card. 0% for over a year, limit £5.k straight away. no issues
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Carl
Member
Registered: 9th May 04
Location: Jimmy Bennett's la la land.
User status: Offline
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I balance transferred to an egg one recently with no problems, i'm not on a great deal and have loads of credit available, so you should be right.
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Tommy L
Member
Registered: 21st Aug 06
Location: Northampton Drives: Audi wagon
User status: Offline
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I got a halifax 0% for 10 months with ease. First time applying for one.
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Charlene
Member
Registered: 29th Sep 04
Location: Darlington
User status: Offline
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quote:
Originally posted by Matt H
MBNA & Egg have accepted me, credit Crunch FTW
Which one of these two gives you the best deal? I want a credit card just incase just not sure on whats good or not
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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Egg offered me 0% this morning until Feb 2009. 3 months is a bit shit really
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Tiesto
Member
Registered: 6th Jun 02
Location: Hinckley, Leicestershire
User status: Offline
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Egg gave me 0% until Dec 09 no problems.
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Dione J
Member
Registered: 22nd Sep 04
Location: West Midlands Drives: Leon Cupra Turbo
User status: Offline
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quote:
Originally posted by corsa_tomtom
I got a halifax 0% for 10 months with ease. First time applying for one.
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neoquip
Member
Registered: 12th Aug 02
Location: Nottm
User status: Offline
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we went with VIRGIN in September, wanting 0% balance transfers.i applied on line.
wanted to balanced transfered £7k off another card. they gave it me!! all £7k transfered for 15months!!!
and my limite was £8300 on the card!!!!!
Back in september the credit crunch was kicking in.
But VIRGIn didn't seem to be bothered about it.
my wife did the same and she got hers too!! 
with an even higher spend limit.
we've put the cards away safe.. as notto use them to buy on them... as its only 3months 0% on purchases.. and thats when the 15 months 0% becomes worthless as you pay off the purcases last... and at high rates you don't want to have that!
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