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Martin on Tonight with Trevor Mcdoughnut
Saw Martin talking about Personal Proection Insurance ? Hmmm, nice chat up lines ;D
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Stoozing..minimum amount considered?
just out of interest I wondered what other MSErs would consider as the minimum borrowed amount on a 0% cc deal, say for 6 months assuming no BT fees involved. did any of you start really small with your first stooze?
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Interesting iPoint CC
2% (for a limited period) in ipoints + more for ipoint retailers http://www.ipoints.co.uk/services/creditcard/index.php i dunno if ipoint for £ will work out as they say it will but it does look worth looking into
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Liverpool Victoria SBT
Having suffered the ignominy of being turned down by Virgin , my thoughts somehow turned to Liverpool Victoria. I rang them to enquire about SBTs - they say they don't do it as such but issue cheques which if paid into a current a/c still attract the 0% interest for 6 months with NO cash advance or handling charges. Seems…
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Payment refund help
Hi, I bought a item off the internet but returned the item and was refunded back onto my credit card. It shows up on my statement and thought it can be used as payment for my credit card but my credit card company says no and they tried to explain how it works but I got more confused so can anyone else explain it a little…
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Credit Reports getting them Free?
Got turned down and i figure this is an opportunity to get a credit report for free :) Do they really let you have a report for free if you phone em up and ask? as they have like £2 charge on experian report. Also if i get rejected for a CC by Experian could i also ask for a free one from equifax.. (have signed up to that…
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Rejected by Lloyds TSB...
Evening all Moneysavers....quick question: I applied for a Lloyds TSB Advance recently and have been rejected. Should I wait a month and then apply for another 0% BT card?(was thinking of FD as looking to get a large cred limit,to BT to Egg then SBT to Mortgage) OR should I get my Experian file after a month and apply only…
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Credit File - why is so much missing?
Following some lovely person's advice on this site (thank you!), I took Experian up on their kind offer of a credit report 30 day free trial, and found to my surprise, that very little information was actually recorded there. I've currently got 3 credit cards - only 1 was noted. And of the 3 that I've had in the past and…
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Some Practical Advice?
I've had a look around for this but couldn't find it so thought I'd ask here. I'm a complete Credit Card virgin & thus what I ask is potentially an embarassingly stupid question. What is the liklihood of an eighteen year old person, still doing their A Levels with a part time job, got of being accepted for a Credit Card.…
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Credit Card Payment Protection Insurance
Hi all... Just wondering if anyone out there has ever been in a situation where they received a new card or made a change to an exisiting card....NOT/NEVER requested the associated card payment protection insurance only to find on receiving your first/next bill it has been plonked on - charge city! I'm in a situation where…
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Advice on how to negotiate new deal
Hi all, As described in other thread, my application to several CC companies have been refused. I'll have to wait a while before start applying again. In the mean time I would like to get some help on how I can "negotiate" with my current provider and get for instance another 0% BT or purchase? Basically I've got a Lloyds…
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do credit card companies check your wagers
do credit card companies check your wagers, im hgaving problem's with employment at the moment and i would like a cc with a decent limit i still have loads of old job slips etc to proove my income but at the moment technically im on a lower income do you think its worth putting my old job which i left a couple of weeks ago…
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Capital One - Processing Errors?
I applied for a 5.9% life-of-balance rate card in anticipation of the 0% market collapsings. It's that low rate for any BT's done in the first six months. They refused me at first, but then just yesterday I got a letter saying that the refusal was due to a 'processing error' and that they can now offer me the card and to…
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barclaycard 0% bt offer
oddness 1: i transferred my balance to barclaycard, only to be told i can only transfer upto 90% of the card limit. oddness2: theres a 2% handling fee for balance transfers. whats that all about?! and has anyone else seen this? ive not had this with any other card, nor has my fiancee.
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Nationwide CC
Is this backed by MBNA? I'm thinking of getting one as im going to Colorado soon for 3 weeks (work so im not too worried about exchange rates for the bigger stuff as i'm expensing ;) ) How quick would it come? I've just had a virgin card almost a month so im wondering if id get denied it? (i've payed £6k off my student…
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MBNA BT UPDATE
JUST TO UPDATE EVERYONE. TODAY - MBNA HAS CONFIRMED TO ME THAT THEIR BT FEE IS NOW 2% AND THEIR MAX FEE AMOUNT IS NOW £50. MAXIMUM AMOUNT OF BT NOW ALLOWED IS 95% OF THE CREDIT LIMIT (CHANGED FROM 98%). PLEASE BE AWARE THAT THEY WILL ALSO CHARGE A FEE FOR EACH TRANSFER EVEN IF 2 OR MORE TRANSFERS ARE ALL REQUESTED AT THE…
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how to SBT from EGG to FD
Hi Guys Just about to SBT my EGG limit into my FD current account. Worried I might do it wrong and incur charges. :-[I notice there is Balance transfers, BACS one off payments etc. Can somebody walk dumb old me through it, step by step, ie what to select on the menues. Also do you think I can do the whole lot as I've heard…
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Chip and Pin
To make the system more secure we are to have Signature or Pin Number and later Pin Number Only. Why signature or pin or only pin? Why not signature and pin in retail outlets.
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Egg 0% for BTs for 8.5 months
As of yesterday (16/12/04) Egg have extended their balance transfer offer to 0% until 1 September 2005. Could be a good time to apply. Purchases are 0% 1 July 2005, but of course you should avoid using the card for these if you want to maximize the use of the 0% BT offer. Cheers, DT
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Re: balance transfers and purchases
Some cards will offer 0% on both balance transfers and purchases: the Halifax/Bank of Scotland "One" card offer period is 9 months and there's 0.25% cashback on purchases. More here.
