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ONK
Junior Member
135 Posts |
 Posted - 05 August 2013 : 11:53:10
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Hi all, I declared myself bankrupt in 2009 after losing my employment. Post BR I was accepted for a Vanquis credit card which I have used only when really needed. I have noticed that my payments of £80 pm are only paying the interest, at the moment I cant afford to pay any extra as im on maternity. Does anyone know if there is a card I can transfer the balance to so that im paying off the balance rather than just the interest?. Or other best way to try and get this dealt with.
I got automatic early discharge from my BR in April 2010, BR was Nov 2009 so is still on my file.
Any advice greatly appreciated x
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 05 August 2013 : 13:10:53
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Hi,
I don't think you will be able to get another card while the BR is still on your file and it's not a good idea to apply for too many as that will ring alarm bells with lenders.
You could try having a chat with them and see if you can make token payments for a while until you return to work.
The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant
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Viki.W
forum expert
United Kingdom
2211 Posts |
Posted - 05 August 2013 : 16:20:57
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Hi ONK,
You may get an Aqua card, but I don't think they do 0% interest deals for people with bad credit, in fact, their interest rates are quite high. You could compare the two, or as Niobe says, discuss your situation with Vanquis.
Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp |
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can i get a credit card balance transfer?
