Hi,

I transfered my balance to MBNA platinum in Sept/Oct £3700 - since then I thought the DD was set up and 1) missed the first payment and 2) went over the limit very stupidly when I was on holiday. I then lost my 0% BT rate and now pay monthly interest.

Following this I wanted to imporve my credit score - I closed my CC accounts that I don't use - joined the local electoral register. Just before I did this I cheked Experian on the free trial and my score was 770 - it had no mention of the missed payment and the limit exceeded.

I want to get back to 0% balance transfer and not pay interest - think i should apply? I'm not going to go platinum and risk a decline but Natwest are offering 0% BT for 13 months, think i'll get accepted or too dodgy still?

Any advice is welcomed.

TW