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Credit cards

Archives for November 2005

Caught out by Virgin
The crafty so and so.... or perhaps it is my fault... I have come to the end of my Interest free period with vergin... it's be fine and trouble free throughout and I have always paid my minimum payments of £5. My offer period ends on the 5/12/2005 so I called them on the 24/11/2005 to make the payment. I was advised to…
6000 Nectar bonus points for moneysupermarket users
I had this in an email today, great way to get 6000 free nectar points with American Express! loans | cards | mortgages | current accounts | savings | refused credit | business finance | shares 29th November 2005 Nectar bonus points for moneysupermarket users Click here for Nectar Credit Card Dear Moneysupermarket User,…
Cancelling store/credit cards
OFFICIAL MSE INSERT Please make sure you see our full guide to whether you should Cancel Unused Credit Cards Back to the original post... Does anyone know the cancellation proceedure for store cards such as GE capital cards(debanhams/Laura ashley)and argos because I have not been able to get through to any of them via…
capital one
i have had a capital one standard visa for over a year now. when i applyed for it they gave me a limit of £200. I was happy with that as it was only for internet shopping and that meant i could pay off the balance twice over at the end of the month (useing my spendable money after bills etc). The card has been well below…
Halifax OneCard BT Fees - Beware!
I've also posted this on stoozing.com..... All, I applied for a Halifax One Card a month or so ago, 12 months 0% on purchases and BT's. I've just made a call to enquire about a BT on the card, 90% max BT confirmed but here comes the catch. I asked what the BT fee would be on that, I was told 2% un-capped. I've read on…
American Express Gold charge card annual fee refund
I have an Amex gold charge card along with their platinum credit card. A year ago, as usual they charged me my annual fee, but in true Money saving expert style, I called them to cancel the card and refund the charge, as I am no longer prepared to pay £125. I rarely use the card and use the Amex platinum credit card most…
Lloyds TSB Plat 9mths 0% - BT rate ?
Martin's latest CC report has this at 0% BT charge, but the website T&C has 2% min £49 or am I missing something
Typical APR 399.7%
I know this site is about saving money, but thought everyone might like to share my outrage: http://www.greenwoodpersonalcredit.com/products.php
Egg Money 2% cashback - when/how?
I, like a number of people, have got an Egg Money card and am sending it into meltdown this month while the 2% cashback offer is on. When I look at my statement online, though, I cannot see ANY cashback being credited to my account. I rang Egg a week or so aga and they said the cashback will appear as credits on my account…
Egg credit card payments question
Hello, Sorry if this has been discussed elsewhere already, but the forum search is currently not working. I have only just detected that some credit cards can be paid off with a debit card. I have set up my Egg green and Egg Money cards with a minimum payment by direct debit in order to comply with their T&Cs. However, I…
Don't pay late payment charges - I don't!
"You don’t have to pay the “late payment” fee that credit card companies charge." Not my words, I was told by a barrister (and on reflection, 50 per cent of them are wrong when they come up before the beak). However, today I tried it, and it’s true: credit card companies know that they can’t make these charges stick. I got…
i cant understand how to do this can anyone help in simple terms thanks
The alternate method requires the new Egg Money credit card. This pays 4% interest if you have a positive balance on it. Therefore get it then apply for any card offering 0% on balance transfers. Then ask them to balance transfer (normally this is debt shifting, but here you’ve no debts to shift) from the Egg Money card to…
'VISA' card at a fantastic 58% APR
Eventhough I have registered with the mail preference service, I still get plenty of junk mail. All the normal 0% BT's stuff. The other day, just as I was going to throw one into the bin, I decided to open it. To my horror, it was a 'bad debt' credit card application. It was offering me a opening credit limit of £250 and a…
Rbs
Hubby has an RBS cc, he had it to use for 0% balance transfer & when the card came he cut it up as he had no intentions on using it. The other day he phoned them up to let them know that we are moving & to give them our new address ( my Mums house) anyway to cut a long story short they refused to change address as my…
barclaycard 0% for Life Offer
Hi Martin and other users. Help needed Wanted your advise is it still worth it to hold on to the Barclaycard 0% for Life Offer? I have Premier Account and Normal Barclaycard account with balances of £2K I am now paying £12 interest on each card compared to £6 plus £1 spend on each card per month. Do you think I should get…
Original Egg 0% offer
I transferred my balance to an Egg card when it first came out based on what I'm sure I remember as an initial (and short-lived) '0% for life of balance' offer and left it there. I am now told that there was no such offer, however, I recall seeing the advertisements and would not have left my money sitting there otherwise.…
Lloyds BT rates
My OH's principal credit card (ie the one with the highest credit limit) is a Lloyds platinum. Until recently the balance was accruing 14.9% APR, so we shifted it off onto other cards, clearing the balance, and then phoned up lloyds and asked for a preferential BT rate for existing customers, knowing full well that…
Advice appreciated
Hi Trying to get back on track after being really stupid with credit cards over the past couple of years. Have two credit cards. One an egg visa card, maxed out at £2000 with an interest rate of 14.9%. The other a morgan stanley mastercard, maxed out at £2400, interest also 14.9%. I would like to consolidate/balance…
Egg Money wine offer even better
I'd been wondering about the Egg Money Wine offer advertised on their cashback page for a while - you get BOGOF crates of wine from Virgin and 20% cashback. However having finally gone for it it turned out even better as on the confirmation page it said: So if I read that right I now have £50.94 to put towards the next…
How many is too many?
When it is said that too many credit applications in a short period of time can affect your credit record, how many is it that can cause damage and how long is a short period of time? My credit rating is poor. In the past year I have applied for a Lloyds TSB card (december), Barclaycard(December), Alliance and Leicester…

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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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