-
First Direct 0% 6 Month Clarification
Just wondering if the wording on First Direct's 0% offer of 'transfer balances within 6 months of opening to get 0% for 6 months' means a) at any time within 6 months of opening can get a full 6 months 0% on BT, so I open now but transfer in say 4 months, still get 0% or b) their wording's iffy and they mean transfer…
-
Mini credit cards?
Dear folks, mini credit cards have been out overseas in South East Asia and just recently introduced in Australia. They look like conventional credit cards but are much smaller in size. I haven't noticed them introduced here but this may be because of the chip & pin technology which is being rolled out here and would…
-
No more Virgin SBTs?
Hi everyone this is my first post. Just tried to apply for a Virgin card online to do a SBT as I wanted to transfer money to my current account, but it only seems to give you the option of transferring balances from other cards. Is this correct or am I being thick?!
-
0% Balance transfers......still september ??
Hi I did a super balance transfer on my virgin card quite a few months back, but lookin at the card offers they all still seem to be advertising 0% till sept 2005 from now !! why is this ?? i would have thought it would be a rolling month by month thing, i .e 9 months from the time you takeout the card ? or am i…
-
Debit card-what damage?
What damage if any could anyone do with your debit card number,name and address,signature,and date of birth on a sheet of paper?
-
Credit card newbie!
I hope you can all help me out here. I got the standard Lloyds TSB Mastercard with my current account when I was 18, and as I've always lived within my means (paying the balance off in full after I graduated, then using it for convenience and paying it off in full every month since then) I've never felt the need to seek a…
-
Shall I get a credit card?
I need some advice on credit cards. Basically i am 19 years old and have never had a credit card in my life. I am very good with my money and have lots of savings set aside. I have a Barclays and a Nationwide current account with e-savings. The main reasons I havent got a card before are: - Ignorance on CC's - I know my…
-
First rejection - how to proceed...
After a few years of snoozing, but only large amounts in the last year or so, I've just got my first rejection: Scottish Widows - they said on checking with Experien, "we observed that you have a high level of credit balances on your accounts compared with your income. We feel it would be imprudent to approve any addiation…
-
To cancel credit cards or not! Help Please
Hello everybody, I have been advised to post my question in here re cancelling my credit cards. I originally posted this on Martin's board thinking he answered questions on there. Hi Martin, Hope this is the right place to post a question. I have been into credit card bagging for a while but have now paid off all but one…
-
Virgin CC 100% SBT
Just done a SBT and was offered to transfer 100% of my credit limit. I thought the limit was 95% or 98%. No charge anyway so I am happy.
-
Stoozing Question
Hi thinking about going down the stoozing route and making some free money from credit cards instead of them making money out of me Question At the Moment I have a balance of 8.5 at 0% until 1st sept with Virgin First Direct are offering me a 0% for 6 months with a 22k limit If I do a balance transfer say from FD to virgin…
-
Double cashback! Will this work?
I currently have a Morgan Stanley cashback card (1% cashback for first £2k then 0.5% for the rest) but wanted to switch over to the new Halifax moneyback debit card (1% cashback). My problem was that I would spend on the Morgan Stanley card, then pay it off in full when I got paid on the last day of the month ie. I don't…
-
Which 0% card to use next ?
As a bit of a background I currently have around £6000 at 0% for 9 months on Halifax One due to run out on 17th May, prior to this it was with MBNA for 9 months and prior to this it was with PC world Marbles for 9 months. Both the PC World Marbles and MBNA credit cards have been cancelled. I am now looking for my next…
-
Techie Question - Interest Rates
I took advantage of Barclaycard's 2.9% Life of Balance transfer offer sometime ago and paid about £4000 onto the card (balance was £0 before) and have been paying it off since. (0% cards not an option because of some refusals (problems now sorted on credit files and my housing status - am waiting for searches to fall off…
-
Virgin Card - Do I request BT on application?
Hi everyone - excellent site!!! I have finally decide to act on advice from a Martins Money Tips fan (I'm normally cautious over money matters) and am literally in the process of applying for a Virgin credit Card on line. One of the questions they ask is do I want to use the Balance Transfer facility - but when I ticked…
-
Is This Workable?
I have a Capital 1 15 month form here which I intend to send off next week, after I have applied for a new mortgage. Ideally I would like some cash into my current account but of course C1 don't do that so I still have an MBNA card with a £9000 credit limit so could I transfer some cash across from the MBNA into my current…
-
Capital One card
Yesterday I saw an ad on a website for this card offering 0% for 18 months. As I didn't have time to go into it I left it until this morning before visiting the Capital One site. Only to find that there they offer only 6 months @ 0%. Any idea how I can get hold of the earlier offer?
-
I.d Theft Please Help
I justed ordered my experian credit file, and have been just seen 4 defaulted accounts on there. 1- Royal Bank Of Scotland 2- Natwest Current Account 3- Natwest Credit Card 4- Abbey National Current Account I have never opened these accounts. I have sent off a query form to experian, explaining the situation. What should I…
-
Coming to end of 0% deal but....
.... I haven't got a job as I've been signed off work for 16 months! But it seems that Capitial One has increased my limit from £400 to £1,000 after only 4 months of having the card. It says in their T&C that they will look at the limit after 6 or 7 months. Plus I'm sure that the APR is 29.9% on my card after the 0% deal,…
-
Overseas c/card dilema
I spent 8 weeks last year travelling overseas, and used my Nationwide Cashback Credit Card for everything. I use credit as debit so never have had to pay interest and, with the introduction bonus, got a nice cashback at the end of the year. Was planning to do the same when i go to the USA for 1 month in June, but been…
