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Credit cards

Archives for March 2005

Over limit - will it affect credit rating?
Hi I exceeded my credit limit this month on my Natwest Mastercard, does anyone know if this will affect my credit rating? Thanks!
Have I messed up my stoozing?
Hi all I applied for my new Egg Card in February which gave me 0% on bal trans until 01/10/05 and 0% on purchases until 01/08/05. I did a SBT to my current account for the majority of my credit limit, and have just purchased a couple of items on the card. I've just remembered Martin's article about not making purchases on…
mbna 2% no maximum letter.
Used to look forward to the 0% offers even with the 2% transfer fee but I reckon now there's no need to keep this card anymore. Handling fees etc....... will remain at 2%. Minimum fee £3 and there will be no maximum. With a 10k credit limit that's a £200 fee! I assume this is just the main MBNA cards and not any affinity…
Virgin no fee in 0% period - Cast Iron
Some emailed me today and told me that the customer service depart at virgin had told them there was no fee on application but there was during the rest of the 9 month period. I forwarded this to the head office at MBNA (they run Virgin's card) having only reconfirmed last week that the fees free lasts the entire 9 month…
CITI Credit Card?
This is a VISA card offering 2.9% for life.I got it as a mail shot, but Martin's dosh sleuths can't track it down. So they suggested you groupies have a try. I've already signed up. There's no website! CITI telephone is 08700 10 73 00. Their address is Citi Cards Citi Financial Europe PLC Marketing PO Box 54 Salford,…
Preparing for Egg application
Apologies if this has been answered elsewhere, but need a quick answer prior to applying for an Egg card tomorrow... I currently have a Gold Mastercard with my bank, who I've been with for 25 years. This has a £7,600 limit. I spend approx £800-900 per month on this and always pay it off in full each month. I've recently…
Offering less than the balance to settle
Anyone who is not near bankruptcy etc ever offered Credit Card Companies less than the outstanding balance to settle in full to close the account. Did this ever achieve a result?
Tarts beware!
Hi All, I have a Lloyds TSB Trustcard which I have been using to move balances around occasionally. I currently have a zero balance on it. I have just received a letter from Lloyds TSB stating "On looking at your Lloyds TSB Trustcard account, I have noticed that you haven't been using it as a credit card. In the…
How is the interest worked out on a credit card?
Hi I have a Halifax Platinum card which I have been using for some time. I have always been happy with the card until last month. I have always paid of the full balance in full until last month where I was a bit short and paid off the balance bar £200. With my bill the following month I noticed I got changed the full…
Conran card - so sloooow
Have applied for a Conran card now that Nationwide have virtually axed thier cashback. After being accepted, i waited and waited for the agreement to arrive via the post. Eventually, it arrived and I signed and sent it back. After waiting a couple more weeks I rang MNBA to find out how things were going and was told the…
Apr / Aer
Can anyone explain how APR can be compared to AER, or are they both the same thing? My credit card debt is on 5.9% for life offer, but I'm wondering whether I should use my overdraft (charged at 8.9% AER) to pay off some of the debt. Cheers Barry.
Minimum Monthly Payment for a stooze arrangement?
Can someone enlighten me with some stoozing info for this newbie? I am looking at the monthly payments during the 0% BT term. Of the cards that I have studied, it appears that only Virgin let you make a £5 minimum monthly payment. All others want typically 2% of the BT amount. Is that correct? Any other cards than Virgin…
BACS Payment - Clearing Time?
Hi, It's the end of my Capital One 0% period and so I transferred the exact remaining balance (totalling £3868 and some pennies) before 9am on 23rd March, from two seperate bank accounts. Now I know there have been some bank holidays, but I assumed the three working days would have been 24th, 29th and 30th, if not also the…
Nationwide moving the goalposts on introductory cashback rate
Hi all Has any other money savers fallen fowl of Nationwide's broken promise that anyone who applied for their cash reward card before the end of Feb would recieve 1% cashback for the first 6 months? I applied online on the 28th Feb and on that day the 1% for 6 months was still being advertised on their website. My card…
Credit Card Settlement
Hi Has anyone had experience of offering settlement figures to credit card companies. If successful how much off of the balance would they likely accept as a percentage? How far can this be pushed? Any info relating would be great. Thank you if you respond.
If all card issuers are going to charge 2% on BT
what in everyone's opinion will deferentiate between the various cards on the market? Will this mean that people close the accounts that they once had solely for the purpose of BT???
Which cards do not charge for BT's?
I no longer know so would be grateful if someone else would start the ball rolling.... Having said that the trusty EGG is still free....
Tescos now charge 2% BT fee too
Just got a letter today advising my Tesco card was £35.00 over the limit. I called and was advised this was the BT fee. I argued I had not been advised of this at the time of the transfer and was told it is in my T&C's. I spoke to mananger who waived the charge this time as they should not have allowed me to BT the entire…
Nationwide Free Extended Warranty
Have just found out you can't use this for goods bought abroad, so be warned.
Applying for cards-question
This is my first post here (round of applause please). Im in a bit of a sticky situation....I am desperately trying to sell a house Im not living in (long story). In the meantime, Im using my credit card for everyday purchases as most of my salary is being eaten up by my mortgage and rental payments. I took advantage of a…

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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
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
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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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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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.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
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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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