Have a look around to see who has the best deal and best amount of time to pay off and if you run out of time roll to another bank. It's really easy to do as the bank does all the work in transferring it over.
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10-10-2012 08:47 #11Member
- Join Date
- Dec 2011
10-10-2012 10:07 #12
If it's 13k and you've got bad history, the swapping of balances may be tricky.
tbh I'd start with a phone call to the financial hardship team of your institution. They have the authority to lower the interest rates, suspend interest/repayments etc.
paint the worst painting of your current situation, let them know you'd like to stay with them, but you've been approved for 15% and plan to cancel the credit card in lieu of "insert any low interest card on the market at the moment".
they may be able to help you without having to go through the stress of changing everything.
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