Moving money about

[Never-In-Doubt]

Re: Moving money about

stop applying mate - chill. Wait a few months

[SA Gold]

Re: Moving money about

Just called Lloyds again and i am not pre-approved a balance transfer card due to data provided from the credit report agencies. ah well.
Other than stop moaning, any suggestions welcome!

[SA Gold]

I have balances on a Flybe and Tesco Mastercard that i am hoping to port over to an Interest free card with view to paying off ASAP.

My most recent default was June 2011 so I called my Bank (lloyds) to see if i was showing eligibility for one of their balance transfer cards and sadly not. Call taker advised to call back on the 13th of the month as that's when their records are updated.

I will do this, but assuming its a no, should i:

a) give it some more time (3 years clear of default was June 2014) and try Lloyds again
b) See if its third time lucky with Creation and see if they will give me a second balance transfer card
c) Try and pay of the flyebe ASAP, close it and see if they will consider me as as new customer to pay off the (would be one Mastercard off)
d) Get an Equifax report just incase one of the DCA's has put something naughty on there i don't know about!

I should add i have followed Niddy's advice on paying a bit more than the DD's on the two cards and also i know Lloyds isn't a CPD99 marker as they allowed me a second current account back last year with a debit card.
Cheers!