High interest credit card help!

[skintmamma]

Hi!
I have a 0% interest credit card with a balance of 2800. The deal is about to end and the interest will increase to 33% 🥺🥺🥺

I have been on multiple credit card comparison sites and they're all saying there is no chance of getting a credit card- id settle for one with 13% at this point!
My credit history has taken a bit of a knock recently and I have had to borrow more than I would like due to being off work sick.

Does anybody have any ideas? Is it a case of sucking it up for a few months and trying again without making any further applications??
Thanks

Would you be able to get a bank loan with lower interest? Only for that amount I mean, to pay it off, not adding any extra.

I’d think I’d try for a bank loan too they are about 12% at my bank. I do think this is how credit cards lure you in. I have a card with a 4k limit which I don’t think I’d ever be able to pay off if I had a bad spell and ran it up.

I don't think I'll get one to be honest- i have tried to extend an existing loan and got rejected and don't want to do any more damage to my credit file

“Paying off” credit with credit is a bad idea so don’t apply for any more loans or cards.

Do you have a good budget going now, and what payments can you afford to make towards the debt?

It could be worth using the Clear Score app to check your credit score and see what you might be approved for. It's a really easy to use app and won't affect your score.

I hope you can find something that works for you.

Every time you apply for more credit it leaves a search on your file and makes it harder for you to get credit. The thing is when you don't want credit and never apply for credit they bombard you with offers.

How long until it ends? What are your other financial circumstances i.e what ratio is this to your wages, do you have a mortgage or rent?

The best option is to find every available penny to chuck at it before interest kicks in.
Anything you can sell? Any credit in your energy accounts you can request back? Any bills you can defer a month without too much impact on your credit rating?

Do you have any existing unused credit cards that might have offers available without needing to make a new application?

Are you now working again? Can you afford to pay the minimum, preferably more?

But if you look at the budgeting section of moneysavingexpert.com, you can work through reviewing your budget with ideas to increase your income and reduce expenses to free up money to get out of debt. If you cut your expenses to the bone for a little while you really might be able to make some headway.

Then pay as much as you can at the card. As the balance goes down, the interest will reduce. In 6 to 12 months time, you might be able to get a new 0% offer.

Are you struggling to pay more than the minimum payments? If you are talk to your bank, they all have the capability to help people with their finances. Many have a form online that you can use to get in contact with a specialist.