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dublingirl81
Guest
Hi all,
Im looking to see what anyones thoughts are on this..... Ive been with AIB for about 15 years and found them to be great overall. However I have a large overdraft, a credit card (Low enough balance but at the max of the card) and smallish loan. I dont want to have the large overdraft and want to get rid of the credit card, so I asked about refinancing all into the one loan. I was told I couldnt as I had topped up the loan in late November (and theres a 6 month period of payments before the next application can be made)
Basically I am wondering if anyone has any thoughts on whether i should do the following:
1. See about moving my current account and getting a loan with another bank, such as boi or ulster to clear the OD/ loan/ Credit Card. I will have no history with them at all and wonder would that affect me in the future (or even ability to get a loan with them to move)
2. I could move credit card to someone like MBNA or BOI who are offering a 0% bal transfer and get the card down that way : would have to make sure I dont make any transactions in the meantime? However this will still leave me with the large overdraft and loan.
Id love to stay with AIB and just get them all into one, given I have been with them for so long, but I really just want to get it all restructured so wonder what is the best to do....Option 3 I guess is waiting till May when the 6 months is up, but Id ideally like to do something about it in the short term
Any ideas/ thoughts would be appreciated!
Cheers
Im looking to see what anyones thoughts are on this..... Ive been with AIB for about 15 years and found them to be great overall. However I have a large overdraft, a credit card (Low enough balance but at the max of the card) and smallish loan. I dont want to have the large overdraft and want to get rid of the credit card, so I asked about refinancing all into the one loan. I was told I couldnt as I had topped up the loan in late November (and theres a 6 month period of payments before the next application can be made)
Basically I am wondering if anyone has any thoughts on whether i should do the following:
1. See about moving my current account and getting a loan with another bank, such as boi or ulster to clear the OD/ loan/ Credit Card. I will have no history with them at all and wonder would that affect me in the future (or even ability to get a loan with them to move)
2. I could move credit card to someone like MBNA or BOI who are offering a 0% bal transfer and get the card down that way : would have to make sure I dont make any transactions in the meantime? However this will still leave me with the large overdraft and loan.
Id love to stay with AIB and just get them all into one, given I have been with them for so long, but I really just want to get it all restructured so wonder what is the best to do....Option 3 I guess is waiting till May when the 6 months is up, but Id ideally like to do something about it in the short term
Any ideas/ thoughts would be appreciated!
Cheers