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tecacocard credit card 3.9%
Hi I am thinking about getting a tecacocard credit for the 3.9% balance transfer for the life of the balance, as it seems like many of the 0.00% balance transfers are coming to an end by charging balance transfer fees. I have cards with all the firms that offer 0.0% with no transfer fee already, my own fault. Is the…
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0% Apr
Hi guys bit new to this credit card balance transfer thing so ill try to explain what i want to do: Is there a card out there at 0% APr for balance transfers, etc that allows u to "apparently" pay off ur overdraft on a current account, but your really putting it into a savings account? ?? i notice that a lot of cards are…
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Interest Freeze
HI, I am trying to write to my credit card company to put a hold on my interest on my outsading bill. At the moment I cannot afford tyo pay back the minimum amount let alone the interest on top. I believe there is a way of getting them to do this. Also, is it possible to get them to postpone ANY paybacks, whilst I try and…
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Have I reached my Credit Limit for BT'ing?
I have been applying for, and been accepted, for Credit Cards so that I can 'stooze' the funds into other Accounts. I've been applying for 1 or 2 cards per month depending on what deals were around at the time. Total 'Stooze Pot' currently running at £50K+. Last week applied for 'IF' and 'RBS', only to be rejected on both,…
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The Morgan Stanley Gold Card - BT fee?
Hi Just wondered if anyone knew whether there is a balance transfer fee on the above? I have looked but can not seem to see any reference to one! Cheers :money:
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A puzzle for the moneysaving CC experts
Without going into detail, apart from to say it involves the flop, turn and river, i have a positive balance on my credit card. I thought i would check with nationwide today about how i could withdraw and put some in my savings account. (leaving some stake money of course ) There were two girls behind the counter. I…
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Credit Rating
Hi, I'm on the verge of clearing off my debts (other than mortgage) and I would like to get rid of all of my credit cards bar one to be used in emergencies. Question is, does closing the remaining accounts have a detrimental affect on my credit rating ? Thanks
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WARNING A&L CC charges after closing account!
Paid of my full balance on 8/6, phoned up & cancelled the card on 11/6. I was told to cancel the direct debit with my bank. The account was £0 & as far as I was concerned the account was closed. Got my statement today, & was charged £25 unpaid direct debit fee! (they tried to take the money out on 15/6) After a long…
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How many cards?
How many cards would be ideal for building up your credit history and how often should you use them? I currently have a Royal Bank of Scotland card with a £800 limit and i'm waiting on my Egg card coming through with a £1250 limit. I have an income of £12500p/a so have 16.4% of my annual income available as credit.
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Egg 0% ends date 1-8-2005, interest charged from when?
I'm currenlty stoozing my Egg balance after opening and transferring out within hours of activation. My 6th monthly payment is not due till the 23rd August but my statement shows that BT is free until 1st, does mean I'm going to get hit with 23 days interest, or will be interest free until the issue date of my next…
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Citicard Creditlimit.
Hi, I have Citicard since 2001, initially they gave me 2000 quids limit and since then they only increased my limit once for 200 quids only when i asked them. they have also upgraded my account to Platinum in feb'05 but didn't increase the limit. Are they too fussy? Cheers.
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One Off Use Credit Cards - Help Needed!
Hi all, just after a bit of advice for my girlfriend. She is after a credit card to pay for this years holiday and for a little spending money. It won't be used for anything else at all. I'd imagine it would be payed off asap as she likes being debt free - don't we all!! I have looked at the credit card guide posted here…
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Scenta Card: £25 Cashback Plus 0% BT Offer
Scenta Card Ad in today's Sunday Times "Future Transport" supplement, on page two. Though I've provided a link, this offer is apparently only available by phone. Card issued by Beneficial Bank, which is a trading name of HFC Ltd. HFC is a member of the HSBC Group.
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CC Merchant Charges
You may be aware that credit card companies charges the retailers( merchants )a % fee for processing the transactions. Thats the way CC companies make money. It is also convenient for the retailers, no cash handling etc. I have notices a tendancy in some petrol stations and supermarketsd saying Some nonsence like " by…
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New Card from YBS coming
From the Yorkshire BS online Q&A session with CEO http://ybschat.ybs.co.uk/showquestion.pl?QuestionID=368&SessionID=20 Question by Robin, UK on 08 Jun 2005 08:13 Is the YBS able to offer a credit card to match that of the Leeds & Holbeck (Morgan Stanley) with up to 1% cash-back? Answered by Iain Cornish on 14 Jun 2005…
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Interest FREE Mortgage from Credit cards
I have been doing this credit tarting for sometime now and with an off-set mortage is doing wonders in avoiding paying interest. If I can keep tarting my cards for the next 4 years then YES I have done it goodbye mortgage some 5 years earlier than planned. Currently I have 0% credit cards on First Direct gold, M&S and EGG…
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Advice please which way should I go with CC
Our Virgin 0% is due to run out in approx 5 weeks, have just applied and been approved by Morgan Stanley (which has meant a credit check). This is a six monther, however, I now see that Natwest are doing a 9 monther on bt's. Have not yet sent back the forms to Morgan Stanley. Should I ditch this a go for Natwest one or…
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Am I lucky, or what?
Got to be a bit cryptic here, for reasons of anonymity. ;) Recently applied for a 9 month 0% deal with fee-free BT's. Initially rejected, but accepted following a review of my fiscal affairs. Obtained a 5 figure credit limit, equalling the highest of my 3 other stoozing cards. Then nothing happened for 2 weeks. I rang up…
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Looking for a 0% CC
Sorry if the answer has already been posted somewhere but I am so confused :confused: Im looking for a CC that has a 0% on purchases for 6 months or longer, could anyone point me to one?
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Is this really right - interest charge?
I'm a little curious re the amount of interest I've been charged by Virgin this month. My balance was £7730 in mid-May and required a minimum payment of £100 to reach my account by 14th June. I made a payment of £7625 which was credited to my account on 1st June, and after Virgin had refunded some money as previously…
