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Credit cards

Archives for December 2005

Credit card debt that isn't corrrect
Hi Wondered if anyonwe can help me. I have some friends who have been contacted by a debt enforcement agency asking them for £6000.00 ish for a credit card they have never taken out. It is in their old address but g0oes back before they even moved in there. They have never had a statement from this company and the debt…
SAINSBURY's Credit Card Balance Tfr. Watch Out!
If you have a sainsbury's CC and you got an offer of 5.94% balance transfer last october valid till DEC 31st watch out when you apply for it. I was saving mine till the last minute and decided to use it today Apparently they sent out a new offer since October extended into the new year but the 2nd offer has a 2% transfer…
Minimum earnings needed for CC application?
I'm planning on applying for a life of balance CC (e.g., the Amex Platinum) and my question is: Do I need to be earning a certain amount to qualify? A colleague mentioned in passing that you need to earn at least £10,000 a year. I'm a PhD student and I get a tax-free studentship of £7200 a year but I'm concerned this isn't…
0% Help URGENTLY needed
I have just realised that my Virgin (MBNA) 9 month 0% is up on 9th January...i need to balance transfer about £5500 onto another card...anyone got any suggestions current outstanding is £7.5k but will be paying off £2.5k....have been looking but i think time is against me!....just off to flog myself somemore... any help…
Which credit card ?
Hi, my first post in this forum :xmassmile I am wanting a credit card and wondered who you would reccomend to get one from. I do not need to switch companies as I dont own another credit card so who would you advise me to go with. thanks :xmassmile edited to add : The credit card would be for emergency usage only, i dont…
Does the Egg Money Card Offer Protection?
Does the Egg Money Card offer the same sort of protection as other credit cards for purchases over £100 or is it classed as something different. Sorry if this has already been asked - the search doesn't seem to be working at the moment.
Should I cancel Credit card?
We've just moved from Barclay card to Morgan Stanley to make the most of the cash back (pay it off monthly in full) Should we cancel our barclaycard now that we're not using it or keep it open? I'm sure I read something about barclaycard being a good one to keep open? Or is it bad for the credit rating to have too many…
Egg Anniversary offer - BT fees?
I've emailed egg to enquire about my anniversary offer (I took the card out this time last year) and they have replied to say that I'm eligible for it but I only have 3 days left!!! I was under the mistaken impression that they'd inform me of when my anniversary month was. They haven't answered my additional question…
Argos Card Troubles!!
I'll give everyone advanced warning on this - it's long!! Any way, we had £604 outstanding on the Argos card, so we were going to use my husbands MBNA (intrest free) credit card to pay it off. We went to do it online, but due to the nature of the number it didn't go through, so my husband phone them and did it over the…
Amex Coverage ?
I am thinking of switching to Amex (probably the new Nectar card) but am wary there are many(?) retailers/internet shops etc. that still do not accept Amex? Is this true? What are others' experiences? Any advice welcome!
stoozing advice needed urgently please
0% deal with virgin ends in feb 2006. applied to hsbc for 0% for 9 months to transfer balance from virgin. have to wait another 14 days for hsbc card because they have a backlog of 1500 applications. (due to mse?) had a nightmare in past few weeks & today with hsbc- spent 40 mins on phone today just getting through to…
Amex APR/interest
Hello Can someone help with the following query? I recently took out a balance transfer with AmEx at 5.9% for the life of the transfer. The interest I am being charged seems a bit high on my statement it says the monthly rate for BT’s is 1.02% is this correct? How do you work out what is the correct monthly interest rate…
Is credit card tarting over? I think it may be for me!!
Hi, This is my first post on the site so I hope I have got it right. I have been a regular credit card tart for some time now and have used the money from the cards to offset my current account mortgage. However I am finding it increasing difficult to get new credit cards to transfer my balances. I applied for a Capital…
Will I definetely pay no interest?
I've got an amazon card which I got because of this site as £15 worth of vouchers were available once it had been used the first time. I always pay my credit cards off in full every month and use mainly a Tesco credit card as I get club card points for doing so. This month, due to Xmas and problems with my tax credits,…
Virgin Credit Card Cheques
I was wondering about Virgin credit card cheques. I've just got a card with 12 months 0%. I have also got a car loan which has 10 months to go. I'd like to pay off the loan and instead of paying the bank I'd pay myself into a savings account then pay off the balance before the 0% expired. If I was to pay off the loan and…
Setting up regular payments to a CC
I need to set up a regular payment from my LloydsTSB account to my nice new Halifax One card, to make the minimum payments every month. However, the standing order form on the LTSB site only allows me to enter account details (sort code and account number), not a credit card number. I know this must be really simple, but…
Another Which Card
My next door neighbour is after a credit card, shes just cancelled her Royal Bank of Scotland card and still has a M&S more card and wants the best deal. She earns approx 27 thousand a year, and has about £3500 on each card that has mounted up and mounted up. She wants to pay it off as quick as possible but also get a deal…
American Express fee problems
I recently took out an American Express British Airways card. There is a fee of £120 per year for the card, but this is reduced if you hold another credit card with them to £30. I have the Amex Blue card. On my first statement a £120 fee showed up, so I called today to enquire about it, and was told you have to have held…
texaco card charge?
Hi, About 8 months ago I took out a Texaco card and transferred around £3000 to take advantage of the 0% interest for life of balance. However I appear to be getting charged for: "BALANCE TRANSFER - OUTSTANDING BALANCE: xxxx.xx FINANCE CHARGE" every month! I thought the balance transfer charge was a one off when you first…
positive balances on credit card
I am travelling to Canada next year and want to get a Nationwide Credit Card to save on spending fees. I see that I will be charged interest on cash withdrawals until I pay off the balance. My question is can I pay a positive balance onto the card before i leave in order to avoid paying interest. Is it possible to force a…

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Credit cards

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