-
Cards that ask about household income
I'm looking to move the missus' overdraft to a 0% card but she's a SAHM she has no income of her own. Is there any card which asks about household rather than personal income?
-
22.9% Virgin!
Virgin have written to me today to tell me that my APR is going up to 22.9% for purchases anyone else had this. Im ready to ditch :D
-
Boyfriend going back to Uni, card shuffling!!
Boyfriend needs to borrow money on a CDL to fund University, so he is planning on borrowing £8k which will cover his fees and his living expenses. Fees paid directly to the Uni, and the rest into his bank account. He is planning on working part-time, but wants the cushion of the living expenses to fall back on should…
-
End of Virgin free super balance transfer facility
I contacted Virgin credit card centre by phone 4 times this morning. I was told each time by different person that a 2% of balance upto a max of £35 fee would be charged for a super balance transfer into my bank account if I opened a 9 month interest free introductory rate credit card. I understand that this has been…
-
My 0% is running out!!!
As the title suggested I have about 6 weeks or so until my 0% runs out. I have £2,500 on my card which I want to move to another 0% card. I am thinking about going for the Nationwide Classic Credit Card as I have my mortgage with them and I am hoping as a result (and because I have been such a good customer for the past 2½…
-
Am I responsible for my late Father's credit card debts?
My father recently died, leaving behind credit cards debts. As next of kin the card companies have been contacting me to keep them informed on the status of his estate. There was no will and no money left and even a restriction on his share of the house from a previous bancrupcy, there will be no money to pay off these…
-
Am I responsible to pay off my deceased fathers credit cards?
Am I responsible to pay off my deceased fathers credit card debts? My Father died recently and as next of kin I am now being contacted by all his credit card companies to let them know what is happening with the estate. We are currently applying for a letter of administration as there was not will, however this is only a…
-
Do payments to other cards count as purchases?
I expect I'm clutching at straws here, but we got an email out of the blue from egg, offering a blue card with a £5000 limit at 0% for purchases only. We accepted and intend using it instead of paying for things with cash like we would normally do and the cash can go elsewhere. ;) Looking for all ways of using it to our…
-
Credit card - unable to stop debits
A couple of years ago I was working in the USA and took out a juno online (https://www.juno.com) subscription via my natwest mastercard so I could use the internet from my hotel room. Called the card services (on another matter) and asked to cancel the payment agreement and they said I couldn't - I expected that. Earlier…
-
CC for newbie with no credit record?
Hiya, I'm after a credit card, simply because I do most of my shopping on the net, and visa/mastercard is much more widely accepted, plus there's greater protection. I'd plan to pay it off in full every month, so high interest rates aren't a major problem.... Don't have a credit record at all really, unless you count La…
-
Sbt
Hi all,am in the process of applying for Virgin card,would like to get 10k.If I do is there any limit on the amount you can have BT,d to your bank,I,d like to transfer the lot,all being well, Cheers
-
Terms & Conditions
Just read thru the T&C"s, recently received, for a Beneficial c/c. Clause 10e states "We may use any credit balance on any other account you hold with us, to reduce or repay any sums you fail to pay under this agreement---etc--. Does this mean they can offset against c/cs held with the HSBC Group and HFC Bank Ltd. and does…
-
M&S 0% Bal Transfer for existing customers
I called M&S and said how disappointed I was as an existing customer that they were only offering 0% BT to new customers. The call resulted in my credit limit being increased by another £4,000 and a 0% BT for 6 months. What's the saying ... "if you don't ask......" So now transfering my expiring 0% with Virgin to M&S.…
-
In debt but there is hope
We're in debt, I'm not able to work at the mo, and no savings. I was so down in the dumps. My partner is even worse off as he just doesn't understand the concept of money, works so hard and has nothing but DEBT. We were really spiralling and then I took things into hand, booked us on a nice(late deal but still…
-
Why can't I get credit?
I've posted my problems with Cahoot and First Direct already, both these banks rejected me for a current account, First Direct even told me it was nothing to do with my Experian file, but their internal scoring that I had failed to score highly enough on. I currently have an Egg card which I am stoozing, but is coming up…
-
Virgin CC balance transfer
I've just signed up for a Virgin credit card that I was going to use for stoozing but I've noticed that the small print says that they may charge a fee for balance transfers. Does anyone know if they will and under what circumstances? Do they still do SBT's? Thanks for any help
-
Settlement figure?
Hi there, I read a post earlier discussing that you could haggle a settlement figure from your creditors and that you could use it on credit cards. My questions are..... A, Will it affect my credit rating if I haggle a settlement figure which is at a reduced rate to what I actually owe? B, Does a settlement figure mean…
-
loan transfer
Hi folks I am in a works car hire purchase scheme which leaves me with a £7000 final payment to make this August from my bank account (direct debit). Is it possible to have a credit card to make me a loan (which I can pay into my bank account), then credit transfer to another credit card for the period of the balance…
-
New (?) 0% on BTs for 9 months from Capital One
I haven't seen this offer referenced anywhere else. Apologies if it has been mentioned before. It is not on Martins best buys table at the moment. As far as I can see from the flyer that has been sent to me, it does not appear to charge a fee for BTs. The flyer has a summary box of charges (where BT fees were not shown)…
-
Whats happened to the Liverpool Vic credit card??
Have used the link to go to the website to apply for a credit card for overseas spending and there's no sign of it on their website???
