-
Egg or HSBC?
My 0% on both these cards ends on 1st November. I haven't got enough to pay off both cards and will need to leave a balance of £5500 on one of them. So which is the best to pay off completely, i can't find any info on what the interest rate will revert to for either card.
-
credit card scam....beware
Hi guys, I was emailed this at work, it's obviously American in origin, but worth bearing in mind.... d_s WARNING...New Credit Card Scam. Note, the callers do not ask for your card number; THEY already have it. This information is worth reading. By understanding how the VISA & MasterCard Telephone Credit Card Scam works,…
-
Goldfish Credit Card Cheques...confused
Back a few months ago I was sent cheques to use on my Goldfish account and they were offering a promotional rate for 6 months from the date they were presented. Now I thought they had to be presented by 30th November to attract the promotional rate but when speaking to goldfish last night they said the cheques had to be…
-
does a credit search show up on my credit file?
if i do a search on my credit file from experian or equifax, does my search get recorded onto the file?
-
Chip and Pins deadline set
Just got a email from Times, it has new MoneyBlog section: http://business.timesonline.co.uk/section/0,,24129,00.html Under this, I found an article about the deadline about Chip and Pins: http://timesbusiness.typepad.com/money_weblog/2005/10/chip_and_pin_de.html 14-Feb-06, Valentine's Day, easy to remember.. Found…
-
SBT Cards
Does the Virgin credit card still offer super balance transfers to ones bank account?
-
Capital One Small print - confused!!
Just applied for a Capital One card online last weekend, filled in all the details for balance transfers from 3 other cards - got my forms to sign in the post today. Also got a form to fill in with details of any balance transfers I'd like to make! Can't find a mention of my credit limit though. I notice in their Agreement…
-
RBS credit card application problems
Being a keen 'rate tart' I recently applied for the RBS credit card with a view to transferring three balances from other cards that were approaching the end of their 0% life. As suggested, I made the application on line and applied for the transfers with card numbers and amounts etc. The application was approved there and…
-
WARNING about BHS CREDIT CARDS
If you have a BHS loyalty card you will be badgered to accept their new credit card. DONT. It automatically cancels your loyalty card. The loyalty card pays AT LEAST 5% discount on all purchases at BHS and can rise to 15%. When I phoned they said I would still get this discount. When they could not confirm this in writing…
-
Any succesful appeals after being declined for a CC?
So after being declined by Capital One for a card as their instant computer decision maker turned me down, I've decided to appeal, more so after finding a fault in my Equifax credit report. Thing I wanna ask is, what should I put in a letter. I plan on being honest with my debts and outgoings and include 3 months of bank…
-
Citibank Bonus Rewards: How to make the most of it
Hi All, I made one excel tool for checking where I get bonus rewards and where I don't. I am putting it up on my blog for everyone to use. Its available at the following address: http://imdeng.com/idle/2005/10/calculate-your-citi-credit-card-bonus.html I have used this tool to find some pretty useful things - like Meijer…
-
HSBC credit card
Hi all! Great forum by the way. I went in to my local hsbc bank yesterday and was asked for a temporary overdraft limit of £100 for two weeks. Shes said that my account score was quite low and that i wouldnt get anything. (I dont get any wages paid into the account but i collect money from my parents/sister and boyfriend,…
-
Credit Card Fraud
Hi First time post, need some advice please. I've been using Skycard for the past 4-5 months taking advantage of their 6 month interest credit free period and just rang their customer services to change direct debit from minimum to full payment to clear the outstanding balance as moving to morgan stanley as better cashback…
-
Barclaycard - cheeky rate increase?
Hi, I woke up, smelled the flowers, and swapped a few balances about recently (took as much as i could off my barclaycard and then put as much as i could back on at 6.9%) I've jsut had a mailing from them saying that my interest rate (among other things, but i don't do cash advances etc.) will go up to 14.9% from november.…
-
I just bought a house...
...on a credit card. Yey!! Just wanted to share my good news. I've made a note and set up an alarm for when the 0% period ends in my electronic diary and I've set up a direct debit, for each months payment (£100) and I've put £1500 of the 10k into a high interest savings account. Anything I've missed? Magic p.s. I couldn't…
-
Advice Needed RE: Capital One & Balance Transfers
Hi, Any help/advice would really be appreciated, as not sure what to do! I took out a Marks & Spencer &More card in May to buy some furniture from them (approx. £1200's worth), and found out if you take out an &More card you get 18 months interest free on your furniture, plus all the &More points etc. I shop in M&S quite a…
-
Tight !!!!!! Tesco
After reading Martin's Credit Card Shuffle article, I noted this particular paragraph with interest... --- "Sometimes simply calling and asking for an interest rate reduction works. The credit card market is competitive and interest rate matching policies are common. If you’ve got a cheaper rate on another card, it should…
-
Egg Card and Egg Money Card
When Egg launched the Egg Money Card a few weeks ago I leaped upon my keyboard and immediately applied for one. Sadly in my haste I applied for an Egg Card instead of a Egg Money card by mistake - the Egg Card was dispatched efficiently to me by Egg and is working as promised. I was not going to reapply for an Egg money…
-
Travellers Cheque Card
Hi Everyone,, Halifax have brought out a new card - the American Express travellers cheque card. Apparently, you pay £20.00 to buy it, charge it up with min £200.00 max £3000 converted to EUROS or USD. You pay a small fee when it expires at the end of 3 years and you are charge a fee every time you withdraw money from an…
-
Creeping interest rates up and changes to T&C
I have had a few letters from card co's changing my agreements without any negotiation, for instance Barclaycard up from 1.456% to 1.527% plus a doubling of interet minimum to a £1. I was thinking of changing a few clauses to suit little ole' me. Has anybody else seen the goalposts move without explanation?
