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transferring balence
hi all. im a newbie. i have a question that someone might be able to help me with. i have got a HSBC credit card, and want to transfer the balence over to something else (i have read other threads, and egg seems a good one?) anyway, CAN i transfer a bank credit card to another one?? and will my credit rating be affected?…
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Seriously Bad Rating......
Hello everyone :) I resently checked my credit rating on a website called checkmyfile.com and was given a very low score, in fact it actually said "you have scored the worse score of all" or something like that :-/ The actual score was 535 which i understand is very low.... How accurate are these sites? Is it possible for…
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Mint Card - Should I Cancel?
Hi - I'm after some advice I have the following cards Barclaycard Gold - Credit Limit £11,000 MBNA - Credit Limit £6,500 MINT - Credit Limit £5,500 I earn £18,500 a year and have a balance of £6200 at 0% until January 05 on MBNA which I pay £200 a month off. I intend to apply for an egg card (probably) in December to…
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I am thinking of getting a new credit card.....
the idea is, if i get a Tesco one, i can pile a months shopping on it, and pay it off in full at the end of the month. I will get extra points for doing so, and i might get a bit of extra interest on my retained cash in the bank. The options i can have are : Tesco MasterCard Classic Tesco Visa Classic Unfortunately my…
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Query - Credit Card application details...?
Hi all, - Thanks for you advice in advance!! ! ;) This has always crossed my mind and I've often wondered if there is a right (advantageous) or wrong (disadvantaged) way of doing this.... Basically, when applying for a new credit card...what is the purpose of the lenders asking for what your existing cards are and also the…
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Accucard
Does anyone know if Accucard offers extended 0% when current offer expires? Is it worth giving them a ring? ::)
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When to Pay Off BC 0% for Life Deal
Hi Can I apologise now if this Q has been asked 100 times but I have searched and cannot find it. I have a 0% for life from BC couple of questions. 1. I keep seeing chats about it has ended they have changed T&C's but mine has not changed! Or does this just refer to its no longer available to new customers? 2. When does it…
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Consumer Credit Act
I understand that under the Consumer Credit Act that any purchase between £100 - £30,000 by credit card is protected by both the seller and the CC company. This also seems to extend even if only a small percentage of the purchase is paid for on a credit card. So if I buy a new car worth £10,000 from a dealer and pay £100…
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Morgan Stanley (referal to SAV CREDIT)
Just thought i would warn people about completing an application for a Morgan Stanley card at the end it says if we reject ou we will pass your details to SAV CREDIT. If you do not reject this option your details will end up with Halifax Card Services as SAV CREDIT is the brand name for the AQUA CARD and it is fully run…
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WARNING RE CHIPnPIN + CASH WITHDRAWALS ON CCs
Hi all Not sure if anyone's posted this before, and apologies if so BUT I thought it worth posting. When I've received a new credit card in the past, I've ripped up and thrown away the pin number that gets sent as well, the logic being that if I don't know the number, then I can't be lured into taking cash from an ATM -…
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Halifax cheque 3.9%
Halifax c/c have sent cheque for 3.9% life of balance. Have to replace car early next yr, would it be worth putting £10,000 from Halifax into Ing a/c which is paying 4.85% before tax & leave it there until needed or waiting until next yr & take pot luck with any offers then. I have until 20/8 to take this offer up. The…
