Credit Card Newbie MoneySavers Guide Discussion Area

:T Thanks for the advice, I needed to get a 0% transfer. I applied on line, told them I wanted to transfer 7,500 and filled out the form. I was quickly sent the relevant papers to sign, and sent them the relevant payslips etc which were quickly returned.
Then it went very quiet - no card, no letter saying what happened next, no information at all. I phoned the helpline and was eventually told to go into a local branch.By this time I had 2 letters, one confirming the 0%for 9 months, one saying I had cancelled my application ( which I hadn't)
The woman there was brilliant :A . She expalined that the VISA part of HSBC was a totally seperate company, that it hadn't been going that long, they appear badly trained ( hence directing me to the branch) and she has had so many complaints.
She then phoned them and took them through the process step by step, and I was told that only 3,500 had been transferred( they hadn't told me), they didn't realise the card hadn't been issued (she told them to do it), I had had to pay an extra month's interest on my existing card which I hadn't expected to(she told me to send a copy of my last statement to claim it back because of their delay and lack of communication from them).
Within a few days, I had all the things I needed through the post, but I must get round to claiming the extra interest. The woman in the HSBC branch in Huntingdon was great- I have never met someone so customer focussed - she was the only thing that stopped me giving up :j

So, a mixed result but something I felt worth sharing in case others had similar experiences

Sorry if this has been covered before - can't find it on a search anyway!

Hoping to become a Tart!:D but wary of accidently reapplying to an existing provider who provides under various guises/names (I ended up with 2 MBNA cards at one time - one for Virgin and one "charity" card...)

I'm new to MSE and loving it because there's sooooooo much room for improvement in my finances :j and hating it because I have been so b****y stupid in the past :eek:

Can anyone give me/link to a list of who does which card, or do I have to just check it out each time?

many thanks
Shari

Thanks Moggles, that looks great - I really appreciate you taking time to help out a virgin (pun intended!)
Shari

viv0147 wrote:

Advice read the small print I paid off £7500 on my smile credit card I am now in the clear, my minimum payment was £146. Now my other cards I also paid by direct debit and those I cleared and cancelled the direct debits, but my smile direct debit was not showing in the direct debit column hence I forgot to cancel it, now although not owing any money on my smile credit card they still took £146 out of my account, and to get them to return my £146 they charged me £2.92 because it was a cash transaction from my credit card unbelievable.

after sending them a secure message the refunded my £2.92