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I'm in a world of hurt.
Got basically 3 cards I need to consolidate into a zero percentage card so I can finally get this debt paid. The interest rates prevent me from getting anywhere.
I started at my bank (PNC) and applied for a 0% 18month card but was declined. Scores have fallen from 740 to 677. 1 recent 30 day late. I'm talking a total debt of about $2400.
Debt is with Cap, chase, and Wells Fargo.
Please help. Thanks
@JasonBourneOfCredit wrote:I'm in a world of hurt.
Got basically 3 cards I need to consolidate into a zero percentage card so I can finally get this debt paid. The interest rates prevent me from getting anywhere.
I started at my bank (PNC) and applied for a 0% 18month card but was declined. Scores have fallen from 740 to 677. 1 recent 30 day late. I'm talking a total debt of about $2400.
Debt is with Cap, chase, and Wells Fargo.
Please help. Thanks
How old are these cards that you have now? $2400 isn't that much of debt at all. To be honest with you, most lenders will frown upon the very recent late you have. You say interest rates prevents you from getting anywhere, how high are these rates anyhow?
You can try Barclay but they probably will question you about the late.
Some details on the cards might help - limits, balances, minimum payments, interest rates, etc., as well as your financial situation, I.E, how tight is your current budget?