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Credit Cards for holiday use only
My family and i are off to florida after christmas and i was wondering which is the best type(cheapest)card to use over there,if i need to ??? ::)
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Which Halifax card can I upgrade to from Halifax P
I have Halifax Platinum Card which its 0% period (9 months) will expired in few days. I Called Halifax and asked them if they will extend the period , but told no (well I didn't think they will do but I thought it worth the try). About 9 months ago I transfer a nice amount to a saving account (well why not, 10K+ in ~5.5% -…
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texaco offer
just found out that texaco are doing a 3.9% liftime on the balance transfers. did some checks and found this was the lowest lifetime deal at the moment http://www.find.co.uk/credit_cards_centre/Texaco_Credit_Card/
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Help - can't purchase over the phone!
I have two 0% purchases credit cards that I was going to use to purchase the final payment on my car - (£3,000) and the car company won't accept payment over the phone using a credit card. They will accept a transfer into their bank account or a cheque. The credit card companies tell me that they can only do this if I take…
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Half Price Plastice Loan
Having read the article titled above I have one problem. All this okay if you have generated a large credit card debit or have a modest retail purchase to make but more signicant purchases you will get surcharged for using a credit card. My own personal problem is that I would like to buy a new small car probably a base…
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Loves me not, loves me
A couple of months ago I applied for a Lloyds Createcard, thinking that as I'd been with the bank for some 50 years, that would count for something. Got that wrong. Was turned down. Checked my Experian file. Nothing wrong there. Wrote them a humble pie letter stating that I didn't have any debt, other than a mortgage,…
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Egg + General
2 questions: Egg: Had a card for 4 years +. I hear that existing customers can get 0% on BT every so often. Is this true? If so, when? General: If I cancel a card, how long before I can re-apply, or can't I ever? For example, I cancelled my Virgin MBNA, so could I get a different MBNA one with a good deal?
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MBNA 0% 9Months + HIS/HERS Watches
MBNA Platinum Card is offering 9 months 0% on BT's and free HIS & HERS Watches.
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Stoozing cards and credit limit - right way?
I've been to https://www.stoozing.co.uk (I think) and I got the impression from that site that when you get a card you ask for a SBT up to the credit limit and that's your debt on the card. I get another impression from this site and that is you spend or borrow the money, put it on a card then do a SBT in your account.…
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Minimum/additional payments
I've got Direct Debits set up to make the minimum payment each month. However I read on here that this may have an adverse effect on credit scoring, so I want to pay slightly more than the min each month. If I make a manual payment of say £10 to my account on receipt of the statement, will they still take the equivalent of…
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Mint and others
I see Mint has 8 months interest free for BT. Does this include transfering to your current account? If not, is there any way round this? Or another card that does allow it? Already got Barclaycard, Egg, MBNA etc
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Given Huge limit one day and refused the next!!
??? First time poster and hoping that your advice can help me. Situation goes like this: 1. Remarried in 2002 and changed surname. 2. 2 weeks ago went to open a new account in my own name at my bank and they offered me a Credit card with £12000 limit as my credit limit is A1 with them. (Been with them 28 years worked for…
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How do I get the right credit limit?
OK, so I want to take Martin's advice and get the Texaco card and use this to clear my personal loan (currently just under £4,000). I emailed Texaco to ask can they gurantee that the credit limit will be high enough to allow me to do this, and they said they can't but apply anyway. I dont want to waste time applying for a…
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Balance transfers
I have a good credit rating, and always pay off my balance in full each month. However this month I want to spend an extra £1000, without affecting any of my savings account. My question is: Can I use my credit card to transfer £1000 to my current account, and then use it to pay of the balance, and keep this going for a…
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2.5% charge for using cards, but don't worry
STORES CHARGING 2.5% TO USE CREDIT CARD? Don’t worry it’s just a tax thing. I've been asked a lot recently about signs in high street stores saying they’ll charge for credit & debit card usage e.g. such as Debenhams. Actually this is just a clever ruse for them to cut their tax, they charge you 2.5% for using the card, but…
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Mint make a mistake and I have to pay for it
Newbie here, I've been reading for a while though. Okay heres my problem, I have a mint credit card which I got forgetful with and forgot to pay it. Fairs fair that was my fault and I have been trying to sort this out. I rang them last month and was told the minimum payment was £66 and that I had to set up a plan to pay…
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MBNA
>:( >:( >:( >:( >:(PLEASE BE PATIENT AS IM NEW,BUT NEED SOME ADVICE. my limit on the card was £2500,due to interest and late payment,my balance is now £3600.thats not really the problem.They dont seem to want to help,ive asked them to stop the intertest until i catch up.not happened.the thing thats really annoying me,is…
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Stoozing and Remortgaging
OK, so I'm one of the slow to catch on to the stoozing lark (well not so much slow to catch on- just hadn't realised the technique before, and caught on within a matter of minutes!!!) Anyway, in the hope of a fairly simple answer! The plan at the moment is to get hold of 3 stoozing cards (already applying for them,…
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Citi Gold ex Associates! Pah!
Hey! I am slowly paying back debts...and have just paid back over £2k on my Citi card, which used to be the Associates! I got this card when I was 20, and was very excited! (I am now 24), but their rates are awful!! Their standard purchase rate is 18.9% and their balance transfer rate is 24.9%!!!! >:( Dire! So…
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Card Interest Calculation
I'm just trying to work out some numbers, but I can't for the life of me work out how the banks calculate their interest on credit cards. Is it: (Balance * Monthly Interest Rate) less repayment OR ((Balance less repayment)) * Monthly Interest Rate) Thanks Shonky
