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minimum payment
what should the monthly payment be on a 5k credit card bill, and which card is the best on this count apart from the virgin card? Can't have one of those bcos I have had one already. Paying off new central heating and a holiday by tarting my way around the 0% cards. Natwest's monthly payment - well, let's just say OUCH!;)
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Late payments on Cards - Why different to Experian & Equifax
Hi all, (Been using the site for a while but new to posting...) A question for you clever people - Ive just got hold of my credit reports from Experian and Equifax to check all is well before I go for a mortgage. About a 1 and a half ago when things were a little tight (starting a business) I missed some payments on my…
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TSB Cards
hi Sorry if this has already been covered, I have an easymoney card and was thinking off applying for more than card, they are both run by Lloyds TSB. Can you apply for more than one card from them? many thanks fj
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Barclaycard error??
My 9 month 0% is up with barclaycard in august, got a letter in a few days back giving me 2 choices either 6.9 for life or 0% on a new balance transfer for a further 2 months. The letter then reads "if you opt for the option of 0% till JANUARY 06" iam sure this is a typing mistake/printing error but my question is could i…
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Buying online
Which credit cards are best used online? I believe that some offer added security features and guarantees... Thanks IAN
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Virgin Cards and Balance transfers
For those that took out the 0% deal on transfers with Barclaycard last year and are currently tarting around for a new free home for your debt....beware. The Virgin card looks attractive but you may be refused if you have tarted with any other MNBA card in the past. Before Barclaycard I had used Mint which is MBNA. They…
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Thanks for your help with MBNA
A few of you may recall me asking for advice on what to do about MBNA as the rate on my card was 24.9%. :eek: Anyway, after getting some help, I phoned up MBNA asking them to reduce my rate, and they said they could only reduce it to 22.9% and that I would have to pay them a £25 fee in order for them to do that. I declined…
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Egg Money Manager
Has anybody signed up to use the egg money manager as there is a free £15? I am thinking about signing up and would like to know how long it took for the £15 to arrive and whether it was simply added straight to your account. Many thanks
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Egg Blue,shall i take it?
I received an email from EGG this morning,they are offering me a Blue card,is there anything i can do with it? At the moment,i have the Green card at 0% which i used to part settle my car loan,this has to be paid back by Sept 1st (i have the money saved),the balance is £2700 with a £7000 limit.I know i should have maxed…
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Take renewed BT from Virgin @2.9%, or await next 0% offer ?
I've just paid back a £12,500 BT from Virgin, the usual 9 months @ 0%. A letter came in today's post inviting me to take out another BT and increasing the credit limit. I called CS and asked their rate - 2.9%, £35 fee. At the moment, that money will net 4% after tax (subject to downwards pressure over the coming months,…
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Virgin Balance Transfers
Hi I have been accepted for a Virgin Credit Card and want to Transfer my Balance to it. I thought all balance transfers would be free but on reading the terms and conditions it states: "We may charge a handling fee for balance transfers". Does anybody know when these handling fees apply. Thanks
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Restrictions on Balance Transfers
Hi all, I was aware that Egg have imposed a restriction on BTs using their card. That is, BTs are restricted to 95% of available credit. I wasn't aware, until I did a BT, that Intelligent Finance have a similar restriction (at 90%). I don't recall seeing any mention of this in the Ts & Cs. Anybody else come across this?…
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Argos Card
I have had one of these for years but there has been nothing owing on it for at least 18 months, I am positive I won't be using it again,so, should I cancel it? will this have any effect on my credit score? or just leave it in the drawer for emergencies :confused:
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Citi Classic and Citi Platinum?
I have had a Citi Classic Card for about 6 weeks. They were very, very slow in getting their act together. I've now been sent an application form for a Citi Platinum as well? Does anyone know if it is possible to have both? They only gave me a small credit limit on the Classic Card, but I was wondering if a second card…
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New Virgin Credit Card Application
Hi, Could anybody tell me if I can do a balance transfer straight to my current account with this credit card?. Thanks in advance
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How to turn an ordinary card in to an SBT
I think I have found a way to turn any ordinary card into an SBT card. My partner owed me £5000 so she took out a M & S card with 9 months interest free but only on balance transfers and I need the money in my current account. I have a credit card (any will do I think) with a zero balance. I phoned and told them (pretended…
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Capital One Cheating....
Applied for the 18 month interest free thanks to a leaflet from JMU-95:j . Got the 'approval form' back today to sign. Had a letter included saying there had been a 'problem' processing my application so they needed some more fields filling and then sign the credit agreement and away we go. Just reading the rest of the…
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I have 1 CAP ONE 18 MONTH form *****NOW GONE!******
:j Hi, I have one Capital One 18 month form available (It was returned to me). Please PM me if you think you could use it and have a good chance of getting the 18 month offer. The first person to pm me gets it. Please do not PM after 7pm tonight (12.07.05) as I'm sure it will go quick. I will pop it in the post tomorrow…
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Get £15 Amazon.co.uk voucher as often as you like...
I have just tried this and it works. Amazon.co.uk gives you a £15 voucher to use on its site, when you register for their credit card and as soon as you spend on it. So, fill in the on-line form, wait for the paper form, sign it and send it back, and your Amazon.co.uk credit card should be with you very quickly. Then just…
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MoneySavingExpert.com/Low Crefit Limits Special Briefing discussion area
This discussion relates to the Special Briefing: Didn’t get the credit limit you want – DON’T ‘screw them'! Click reply to discuss.
