In a nutshell:
I have a bad credit score and have been turned down for a credit card application in the past. I have a couple of debts which I'm paying just over £200/month towards, which I would like to consolidate into one monthly, smaller, easier to manage payment. There's about £600 left on one, and £300 on the other. One is to Student Loans Company and the other to Southampton City Council.
Do any of you who have been in a similar situation have any advice or recommendations on which card company to choose? Any advice at all? NatWest rejected my application so I'm thinking one of these credit-building/low credit score cards could be the solution for me. I don't really mind high APR, as with my credit score, it's to be expected. I'd just like to pay less than I currently am every month, and for payment to be regular.
Cheers.
P.S.
I know there's stigma attached to credit cards, but I have a regular income (salary) and will only be using this credit card to pay off these 2 debts. I'm not going to be using it for purchases.
I have a bad credit score and have been turned down for a credit card application in the past. I have a couple of debts which I'm paying just over £200/month towards, which I would like to consolidate into one monthly, smaller, easier to manage payment. There's about £600 left on one, and £300 on the other. One is to Student Loans Company and the other to Southampton City Council.
Do any of you who have been in a similar situation have any advice or recommendations on which card company to choose? Any advice at all? NatWest rejected my application so I'm thinking one of these credit-building/low credit score cards could be the solution for me. I don't really mind high APR, as with my credit score, it's to be expected. I'd just like to pay less than I currently am every month, and for payment to be regular.
Cheers.
P.S.
I know there's stigma attached to credit cards, but I have a regular income (salary) and will only be using this credit card to pay off these 2 debts. I'm not going to be using it for purchases.
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