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Credit cards

Archives for October 2005

Nationwide Credit Card Statistic
Just a quick snippet of information. 50% of all people who are declined a Nationwide Credit card have this decision overturned and are accepted if they appeal within the 14 days of the original decision. I think they need to sort their scoring software out!
Barclaycard - Far too quick
I applied for Barclaycard being encouraged by their 0% for 10 months for BT offer 6 weeks before the deadline of my previous 0% deal as Martin recommends. I am writing this message as I have never ever seen such speedy service. I applied online on Monday NIGHT this week and I received the card on Friday. What I found…
No fair!! Not allowed Amazon credit card
Despite having a great credit score etc. the people at the Halifax (who are behind the Amazon card) have deemed my "...current facility is appropriate..." and are "...therefore unable to approve the new application...". I wouldn't care but I haven't even asked for a balance transfer or anything!!! Just wanted £15 off…
Are there now BT fees on all Egg customers?
I was looking at doing a short term balance transfer for 3.9% to my Egg card [green] which I have received notice of, but when looking at the "things you should know" it says a handling fee will be applied to this 'Special Promotion'. Assuming that non 'Special Promotion' balance transfers are still free - in which case…
Credit card "debt" crisis...help!!
Hi, I've also posted this on the "debt" forum as was not entirely sure which one applies... i'd really be grateful if anyone can offer some advice - my friend had an Access credit card provided to him by one of the high st banks between 1999-2000. In 2000 he got a letter from them stating that as he did not use his card,…
Chip & Signature Cards.
Hi, Just been in H.Samuel manager told me i would not be allowed to use chip & signature card after feb 2006 as the banks will not guarantee to pay them. Is he right? I thought this would break disability laws.
Please help
I have a loan for approx £1000 but the company have just put up their interest rates and I can only just afford to pay the amount i am paying now. Can anybody recommend a credit card that will pay off a loan. Have looked at some but they only process balance transfers from other credit cards. Any advice appreciated.
credit ref agencies and employment
Do the CRA have files on your employment?
MBNA/Abbey
Hello all Please give me advice, I have an Abbey credit card and am working very hard to pay off the balance. I have recently requested that they reduce my interest, which they have done. What are the chances that they will reduce it further? current rate is 19.9% :eek: and it is killing me!! I am plucking up the courage…
Bal transfer too much transferred
We have a citibank credit card with a balance of £2600. I Balance transferred £1600 to IF. I thought that when I called them 3 days ago, IF has paid them already and we still have a balance of £2500. So, I called Bank of Scotland credit card and balance transferred £2500. But when I called Citi today, they said that they…
SBT Question
OK, I have been looking at this site for the past couple of hours (feel a little over welmed with all of the information! but its all good!) Just a quick question really, I have been reading the information on SBT (and relating links) and was wondering are egg, abby and mint the only CC's that allow you to pay off your…
financial associations, can it affect you?
My husband applied for a number of loans last September but got declined. So, it shows in his search file with the CRAs. He has never missed a payment, is on the electoral roll, a homeowner, etc. If I applied for a credit card or loan in my name, will the credit searches on him have any impact on my application? My husband…
credit secrets....... might help everyone
Went to this site, and helped tremendously when applying for a credit card and loan. https://www.creditsecrets.co.uk It costs something like £25 but the information was very useful to me.
halifax one
I am thinking of getting a halifax one card, how do you go about paying them back, can you use your debit card?
Halifax cc Late Fee - Please help
I have been charged by the Halifax a £25 late fee for being 1 day late. After much "discussion" with the customer service advisor, and even threatening to cancel the card, all I managed to get was 50% waived off the late fee. I am not blaming anyone else for me being late with the payment, but has anyone managed to get…
Lloyds tsb balance transfer
I am a current Lloyds credit card customer and recently got a letter with an offer to transfer balances at 0% for 6 months. At the time I didn't want to transfer any and threw the letter away, but now I have a balance I would like to transfer. I phoned Lloyds and asked if I could do the 0% transfer but was told without the…
same card as spouse
My hubby has IF credit card. Can I apply for my own? Do credit card companies allow this?
egg card bt without the card yet
Can you do a bal transfer from you egg card if you have not receivedyour card yet?
Purchase protection for second card holder
I caught a bit of an item on the BBC's Working Lunch which I think was saying that the purchase protection one gets when buying items over £100 only applied to the principal card holder. To save me wading through the small print of the credit card conditions can anyone clarify the position?
egg unrecorded inquiry
Hi. I applied for an egg card 3 days ago and got approved online and gave me my credit limit. They said they'll send my card via post 7-10 days. I checked my experian report today and they checked again my credit file today. BUt it says that it's an unrecorded enquiry. What does this mean? please help. Ana

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Credit cards

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