I know the feeling! Got my op ‘pencilled’ in for april and i got declined for the same, i tried the 0% credit cards and got declined and i have no idea why! Im going to see my bank next saturday see if they can offer me their 0% credit card.. They seem better than loans, why dont you try for one of them, but be careful applying online because everytime you do it and get declined it makes your credit go down!:/ xxx