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Credit cards

Archives for December 2004

Am I losing my Marbles
I was offered a fixed interest rate of 3.9% by Marbles on promotional cheques. When I discussed the offer with their call centre they confirmed the purchase was fixed for the life of the balance balance. At the time I thought great deal and I don't need to start switching lenders for favourable rates. I have now received a…
Flyer Points One World and Visa
Does anyone know how to get a Visa card which generates points which might be fed into One World Alliance so I can get Qantas frequent flyer points. I can get an AMEX card, which I already have, but I need a Visa/Mastercard too.
Sentinel card protection
I've had a Lloyds TSB Asset Gold card for 3-4 years now. I never spend on it and never use it because with it comes free Sentinel card protection for my Wife and I. I've been stoozing over the last few months, and currently am maxed out on MBNA, Barclaycard I'm getting there with Sainsbury's. Clearly I don't want too many…
SBT to pay off a Mortgage ?
Probably been asked a million times before but I can't find the thread ... can an SBT be used to pay off a mortgage? Friend seems to think it can, I'm not sure and would like a definitive answer! ??? ;) many thanks in advance
Sneaky Egg
Had an egg card for years but haven't really used it for a few years. My payment was always set up as minimum monthly payment by direct debit. SBT'd 15k a few weeks ago and checked at the time and the website still stated that i paid the min by dd. Got the 'your statement is ready' email this morning and had a quick look…
Interest free periods on balance transfers
Hi, We all know there is an interest free period on most credit cards for purchases but does anyone know of a card that offers an interest free period for balance transfers? I know both of my cards start charging interest straight away even when I pay off in full at statement time.
Stingy Capital One
Hi I have recently asked for credit limit increases on two of my cards because i want to do a bit off card shuffling. The Halifax upped my limit by £2000 straight away but Capital One refused me. I checked my credit file online last night and the only blemish there is me paying the Halifax late once which was due to the…
Swapping c card balance with poor credit rating
It has been recommended that a great way to save money and raise credit rating etc...is to do a balance transfer to another credit card that has the first 6 or 9 months Interest free. But how can you do this when you keep getting rejected applications as your existing credit rating is poor? I have tried so many times but i…
Who checks who?
Recently got information from three credit reference agencies. Would be interested from anyone else who has checked them all which companies came up on which. Could be a basis for chosing credit cards who checks who (ie spread your cards over the agencies). Has anyone done this? Experian http://www.experian.co.uk/ Held…
Transferring Credit Cards with bad credit rating
You always mention on money saving tips that you should transfer existing credit card balances to other cards that charge lower interest. What happens when you have bad credit rating and you are declined each and every time you apply? How do you get around that? ???
Barclaycard - Benefits Ending :(
I can't believe they are dropping what means most to MSE's ??? From their website: Changes to our card benefits are taking place from 1 January 2005. Look out for the leaflet enclosed with your December statement and check our website for updates. Price Promise, Extended Warranty and Travel Accident Insurance will not be…
Time Limit on Retailers Taking Funds
Is there a time limit before which a retailer who has swiped your card for a transaction must take the funds before they are no longer allowed to take it? I made a purchase some time ago and the retailer has not yet taken the funds from my card nor is it listed as an outstanding authorisation on my card. I want to make…
Whats best BT card to get (NOT MBNA)
Can anyone advise of a good credit card for balance transfers, definitely 0% for longest period. Am with MBNA at moment so can't opt for any of theirs and a lot of companies seem to have MBNA cards. Is it worth applying for the HSBC or holding off until January to see what else becomes available? thanks, mrs goggins
Moving on to the second stage of stoozing
Hi All, I have decided to have a go at stoozing and have read as much information as I can find. My anniversary month with Egg is January so I am planning to SBT the full £15K limit. We have also applied for the Sainsburys card to use for all purchases. My partner has just applied for an egg card and has been accepted with…
MBNA minimum payment - why and how
Some Background: I just got an MBNA platinum plus card with 0% for BTs and SBT'd £7000 to my current account. MBNA charged me £140 (2% -- no cap) but after talking to them on the 'phone they gave me a credit of £90. The balance on my first statement is therefore £7050. Three questions: 1. Why do they want a minimum payment…
American Express - BT
Have a Amex Gold Card with a 0% for 6 mths. on purchases only. Rang them up today to enquire about a BT for 6 mths. and was told - NO. Then advised them to cancel my card, surprise, was offered 0% BT for 6 mths. Question : Do I BT from Amex to my Mint card then do a transfer & save from Mint to my savings account????…
Sainsbury's 0% no instant decision
I have just applied on-line for the Sainsbury's Platinum credit card. The site says it takes 7 days for a credit employee to make a decision. Has anyone else experienced this? Does this mean I will be offered the other card instead? If I am turned down can anyone advise me how to get the reason from Sainsbury's for the…
stoozing MBNA cards clarification
Can anybody advise me. Started stoozing, got EGG, and FD who I understand do not reveal anything to the credit agencies, ideal for stoozers. Looking for another card but want to keep a few of the good ones for 6 months time to cover my current stoozed. Whats the situation with the MBNA cards? If I take one now will I be…
credit card cheques ??
credit card cheques, why do credit card companies charge for these ? anyway onto the origial question, i have been rejected by egg ! :( and rejected by hsbc and i have applied for mnba although seein the complaints on this board about the latest changes that was probably a bad move :( can anyone recommend any good creidt…
Egg Card confusion
I have applied for the new 9 month offer on the Egg card. However, I don't fully understand the terms now I read them. On the one hand it says "Great rate on balance transfers until 1 September 2005 Customers who open a new account from 16 December 2004 to 31 January 2005 will pay a monthly rate of 0% interest until 1…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
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Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
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Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
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Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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