-
New HSBC Bank Credit Card
Hey. I've recently paid off a small outstanding bill on my old HSBC card when I noticed their newly launched card. It had better rates than my previous card, so as I said, I cancelled it and applied for the new one. I applied over the phone and was successful. They offered me a limit of £2500 (not bad considering my…
-
Card with the LARGEST APR?
Hi all I woke up bleary eyed to open my post and found a letter that looked like any other Credit Card application. The Apr was 5.9%. I looked again and it actually said Typical APR 59%!! with a variable 44.6% to 69.5%. There is also a £19 annual fee and a minimum monthly payment of 5%. Should I accept this marvellous…
-
Capital One upgrade to premier
Is it worth it I'm wondering? Basically Ive got a Capital One card that Ive had now for about 2 years, the credit limits only £400 but Ive paid it all off over 6 - 8 months ago and was going to close it, then didnt thinking it'll be good to have it as an emergency card. Laughingly the beggars wrote to me after 3 to 4…
-
Using someone elses credit card
My neice, having been ripped off by our local garage big time, told the garage owner, when her bill was double the estimate, that she couldn't pay it and all she had on her was her boyfriends credit card. The owner said that that was ok and got her to sign her name on the receipt! Surely this can't be legal? Any advice…
-
Using credit card as interest free loan?
Can someone explain how this is done? I am going to be taking out a large loan to clear another debt and if I can have a proportion of this interest free that would be great. I have come accross threads explaining how this is done a while ago but can't seem to find anything now. I recall it having something to do with a…
-
Information Request!
I dont want to bore you with a whole load of rubbish, however a little history before I ask my question! Up until recentley when I set up my own business I have never really needd credit, all our credit has been in the other halfs name! on my credit file I have a default for £900 which has now been settled and is 2 years…
-
Credit Limits
Hi there, I've been a very good customer of several companies and periodically they increase me credit limit. In total i now have about 25k of credit. I recently applied for new cards, to transfer and dump some debt around at obviously 0% for at least 6 months', but sadly was declined. I have reviewd the situation, and I…
-
UPDATE: Mint card - I'm a bit chuffed with myself!
I was on sone time ago and asked about what seemed to be a mistake on MINT's application literature - the had sent me an offer with 0%-April 06. The Ts&Cs stated that there would be a 2% handling fee However - the application form stated above the TB section that there would be no fee - so I signed it, transferred 3…
-
Shoddy workmanship - is it possible to do a chargeback?
We recently had some wooden fencing installed on our property. We paid a £150 deposit for the work at the end of June, and after endless delays and excuses, finally had the work completed several days ago. The work was completely substandard, the fencing was not level, poor quality, plus the design was not what was agreed…
-
Speak to a human on Lloyds TSB credit card line
If you phone up the Lloyds TSB credit card helpline, they make you type or speak a load of details before you can actually talk to a real person. During this time they are obviously helping themselves to your cash via your phone bill. However, the first question the robot asks you is if you're calling for a lost or stolen…
-
2000 free Nectar points with American Express Credit card
If you register an interest in the new Netar american Express card you get 2000 pints free. Here And as you are only registering an interest you would be mad not to. Enjoy
-
DCC could benefit some people
Yes, that's what the title says, but please read on before flaming me. We all know that DCC (Dyamic Currency Conversion) is probably not a good thing for most of us. However I think it does have some benefit for a few people in limited circumstances, please read on. I recently took a work trip over to Europe, therefore…
-
Experian rapped over credit offer
US financial information group Experian has settled charges that it deceived consumers into signing up to a credit monitoring service. UK-owned Experian lured people into signing up to the service by offering them free credit reports, the US Federal Trade Commission (FTC) said. Read More ...
-
Virgin CC, are they being unreasonable?
Hello, A couple of months ago my other-half opened a Virgin CC account to take advantage of the 9 month 0% interest offer on balance transfers. At the time of registering she is sure that she signed up to pay the account by Direct Debit.. Anyway, the account was duly opened, BT performed and generally forgotten about.…
-
Euro Credit Cards
I travel a lot to EU on business. My credit cards (Amex/Visa) charge for use in EC for Euro transactions. I have a Bank of Scotland account but they don't yet offer a Euro credit card. I would like a credit card which I can use without charge in EC and which will be paid off using my Euro bank account monthly. Does anyone…
-
Marbles 'MAY@ charge 2% BT Fee
Hi, I have just applied and been accepted for a Marbles credit card. (2nd time around!) In the T&C Summary Box, it states that "we may charge a fee of 2% of the amount of each Balance Transfer" Does anyone know what the meaning of "may" actually is? Anyone have any experience lately of BT's to Marbles? I had this card for…
-
Intelligent Finance
Hi everyone, Bit of a noobie at this so any advice would be very much appreciated. I applied for an IF Visa card and got it approved. I received the card a few days ago. When I applied, I chose not to do a Balance Transfer then. My first question is, if I do a Balance Transfer now then will there be a fee? There is no…
-
Virgin Credit Card
I applied for a virgin card and was refused due to what they said was the way i managed my account witn MBNA. I have 1 MBNA card with a limit of 15k on it and an outstanding balance of £50 which i make minimum payment on every month because i hadn't bothered to clear it which i know i should. I haven't used the card for…
-
working out how much interest I will pay?
Is there a calculator available on the internet that will work out how much interest I will pay, if I input a figure, put the interest rate in, and how long I intend to take to repay it?
-
Mbna credit card Experian removal
Back in 2000 I applied for/got A Loughborough credit card ( Mbna provides ). I never used this card - it was really a spare. Just ran an Experian report which has it listed under the 'current' section although all UUUUUU's in history ( usused ??? ) zero balance and a £ 11,400 facility. I cut up the credit card when it…
