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Will settling credit card accounts increase credit rating?
I've had a fairly high number of searches against my name, giving me a 'poor' credit rating with Experian. I'm obviously looking to improve this, and one of the ways I am looking at is closing some credit card accounts. I have two that I use for everyday/work reasons that will stay. I have another two that I use for 0%…
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Whose fault?
With credit card companies only to willing to give credit (to even me who is ill health retired) to anyone passing by, can all the blame really be put on the people who use that credit source. The credit cards companies must hold some responsiblity for giving the cards to anyone in order to make money. When I think of…
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putting my toe in as a mini-stoozer ! ? !
I have read this thread with envy at those that have the bottle to stooze for thousands on their offset mortgages etc, top work !. I have a barclaycard, about £1000 a month spend, pay it in full every month. However just opened a savings account, pay in the same pre-agreed amount every month for 12 months and get 10%…
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cant get credit
i have 2 credit cards and together they total almost £7000 i am unable to get another card with a lower interest rate as i have a bad credit rating, and no other person will lend me some money,what can i do?
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Why will I become a tart if I keep changing credit cards to be interest free
I have just read that my credit rating will change if I keep changing Credit Cards so I do not have to pay interest. Why and how does this work
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how do you start??
i really need some help here i feel a bit confused, i applied for a credit card and was rejected on the basis that i didnt have any credit rating / history. so how am i supposed to get a history if i cant get any credit-o??? i feel a vicious circle coming on... cheers :rolleyes:
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Mis-Selling of Store Cards
Two members of my family are involved in retail sales in major department stores. Both of them are required as part of their employment to sell store cards to customers and they are given weekly targets to achieve. Given that they receive no training in this and that they are financially incentivised to make the targets…
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No balance transfer fee on my Egg Card??
I have an Egg card that started its life in July 2004. I just read the SBT article and if I am reading it correctly it says that due to the start date of my card I will never be charged a fee for balance transfers (whether or not they are made during my anniversary offer period). Is that correct? If that is the case, would…
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Lidl and credit cards
In swansea Lidl take credit cards, as well as debit cards. I contacted them, as they do not do so, in Eastbourne. Informed they are trialing it, in some areas. Hope they make it everywhere. May be phone calls 0208 9714789 to their H/O will help persuade them.
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Grrr Timelife - how do i stop them charging my card?
I'm quickly losing patience with Timelife. I ordered a boxset of DVDs from Timelife, worth about £100 for my Mum. Before placing the order I noted that the TV ad says it is not a subscription but there is a 60-day moneyback guarantee - if you return your DVDs within that time period your card will not be charged. On the…
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Are Mbna The Worst Card Company??
Are MBNA the worst card company out there? They are totally unwilling to help me reduce my payment, nor will they freeze interest. Capital one on the other hand where more than helpful since I lost my job, They froze the interest and I'm now only paying £10 a month which is all I can afford. MBNA will not do anything, They…
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Access
Just for my own curiousity 1. What happened to access, and was is a credit card (e.g Barclaycard), or a thing like Visa/Mastercard? 2. How do Visa/Mastercard make their money?
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To avoid any late payment penalties over Xmas/New Year...
... set up a direct debit. With all the Bank Holidays coming up usually someone gets caught out by a late payment on their credit card. The easiest way to avoid this is to set up a direct debit - either for the full amount, the minimum amount or something in between. If your card company does not allow payment amounts…
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I think my credit card company is shafting me
Hi All Looked at my credit card statement on line the other day and found a charge of £2 plus 11 pence interest for a cash advance. Ehmmm I have never had a cash advance or ATM withdrawal with any credit card in my life. On ringing them it tuns out this was a purchase of some foreign currency from Travelex and they are…
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Lloyds TSB sells Goldfish to Morgan Stanley
Lloyds TSB has sold Goldfish to Morgan Stanley It will affect 800,000 Goldfish customers. http://business.guardian.co.uk/story/0,16781,1671280,00.html
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BoS being nasty
Just cancelled the Bank of Scotland platinum mastercard I've held for 8 years or so. My statement last month didn't have an envelope in it for me to send in payment. I thought that odd, but didn't worry about it - there was less than fifty pounds on the card, and I have a direct debit to cover the minimum payment. This…
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MBNA balance transfer offer
Good morning everyone I phoned MBNA today in response to a letter they sent me in November. The letter offered 3.9 % on balance transfers until May '06 but with a 2 % handling fee. Not a brilliant deal but saves all the messing about taking out a new card. I explained this to the Customer Services bod. who then asked me if…
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HSBC Credit Card Questions
Received my HSBC card the other day and have only been given a £2500 limit. As the card arrived preactivated I wasn't able to haggle the credit limit upon activation. I called up CS today to try to arrange a bigger limit (£3000). I was informed that since it is a new card it would be highly unlikely that the computer would…
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Natwest offering the same card deal as HSBC?
Just a heads up on Natwest offerings: 0% for 9 months on balance and purchases, like HSBC's XMAS Offer. Forgive me if this has been posted already but it seems only HSBC is in the spotlight currently.
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How long does a contract last?
Hi all me again :o We have just found out that our credit card is on 19.9% APR we thought it was 15.9% and that was high enough. Anyway we rang today to see if we can go onto a lower rate they have said yes we can go onto the 16.9% which is better but they said we can't go onto anything lower as we have a contract. We knew…
