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Credit cards

Archives for April 2006

Egg Money technical issues
Anyone else have Egg Money application problems?
advise plz
Some time ago I found a site that informed you whether or not each credit card company carried out a credit search on you. (I’m almost sure it was this one) We have played the credit card game for the past 12 months but just before Christmas we considered moving and made enquiries with our building society. We made it…
paying off loan using card
i have just got one of those capital one cards 3 months 0% purchases and 0% balance transfer till aug 2007.. i did a transfer of about £740...i have aloan with beneficial bank and have about £500 to pay off on it...can i use one of my other credit crads with nil balance to pay off the loan then balance transfer to capital…
Earn cash with your CC
Join treasuretrooper and earn free cash for completing surveys, taking trials, and completing offers. You can even earn cash with your CC, of up to 160 dollars per OFFER!!! It's an awesome way to make free cash. treasuretrooper(dot)com/50876 Hope you like it! ^_^
Watch out for Cashplus
In the Financial Mail today there is an article about a new type of card called cashplus financed by Advanced Payment Solutions. APS think this will appeal to students, and is an ideal way of parents topping the card up to help out. Don't bother. Not only is there a joining fee of £9.95p, there is also a monthly charge of…
Capital One - Annual Fee
Hi can someone please tell me if Capital One charge an annual fee for their 'Classic' credit cards? If so, how much does it cost?
Great Ormond St (GOSH) card
Have just app;ied for this card to do a BT.Has anyone done this and been charged a fee for the BT?.In the T AND C's ,it says trenfer fee 2% except during promotional periods(I assume this is a promo period).Cheers
M&S &more card application - dilemma!
I am wondering whether to take a gamble on my application for this card being accepted. I want to buy 2 sofas in the M&S sale which ends tomorrow, total cost £1800. If I dont buy them tomorrow no deal as I am no way paying full price. I need interest free credit to do this and one way of doing it is to buy them on my…
What will it cost me in interest?
I normally pay off my credit card in full every month,but this month has been very expensive for me. My bill will be about £1600 on the next statement,and i can pay off at least £1300 no problem. My question is,if i pay off £1300,will i pay interest ONLY on the remaining £300? or do i pay interest on the whole £1600?
Have I been Approved?
Hi, I applied for a lloyds credit card online as have banked with them for years and have never had a credit card, only the lloyds visa debit card. I got this email from them earlier: Thank you for your application for a Lloyds TSB credit card. We are pleased to inform you that you have been approved for a Classic credit…
MBNA Virgin C.C Rip-Off
good day folks, I also have the same problem, I took out a Virgin Credit Card @ 15.9%p.a last year, the 9 months 0% B.T expires on May 2006. I got a letter last month informing me my interest rate will increase to 24.9% at the end of the introductory period on 22 May 2006. I am powerless to do anything about it, I can't…
Barclaycard taken old debt direct from my account!!
Hi everyone Im looking for some advice for my mum. She had a barclaycard approx 4-5 years ago, it didnt get paid, and my mother was in consultation with a debt collection agency about paying it off. Arrangements where made, and the debt collection agency never got back to her. The agency told her barclaycard had passed the…
Capital One and Accumlative Intrest Charge
Hi Everyone I am new to this but wanted to know if anyone could give me some advice. My OH and I incurred £20 late payment fees on our credit cards, we disputed the amounts and the intrest charged (the payment had been received on time by them - we know this because it was a two post dated cheques for the full amount- and…
Best way to cancel a credit card and another question.
Just got a bill in this morning for my Capital One card. We were supposed to be cancelling but my partner has been spending on it again!!! :mad: I am going to pay what we owe then cancel it. Can I write to say I want to cancel and send a cheque for the full amount? The address for payments is different to the address for…
best credit card for airmiles?
My first time in this section so please be easy on me if this is an obvious question but . . . . . . . Which credit card is offering the best deal on air miles at the moment? We are about to buy a house and will be spending quite a bit of cash (£10K deposit for a start) soon and over the next 10 months . Balance transfer…
Credit Card compromised
We had a call from Goldfish Credit Card stating our credit card had been compromised and they where stopping our cards and sending out new ones. The caller would not give any details of what had happened so we started wondering if this was a genuine phone call from Goldfish. I found the article below today, the question is…
cc shuffle - advice please!
Hi all :waves: Hope someone can make sense of this! All my debt is on 3 cc's : Lloyds Advance - £10,470.46 - 5.5% APR LOB - Limit £14,700, 2% min pay Halifax H2X - £4,386.35 - 4.95% APR LOB - Limit £14,200, 2% min pay Egg - £6,980.00 - 0% til 1st Nov, Limit £11K, 2.04% min pay Minimum pay = @ £450, and I overpay by £170…
Holiday Cash Card
Hi, Not sure if this is posted in the correct area but I couldn't see where else. Does anyone have any knowledge of the Holiday Cash Card which you can currently obtain free from their website? It says that you can draw money from your account at any machine displaying the Maestro logo and for goods and services. It…
6.4% apr credit card
With American Express Platinum the rate is 6.4% apr have a look regards
Mastercard Easter surprise
I have just received My mastercard account from NatWest and the nice people have charged me £20.00 plus interest of £7.odd just because of Easter bankholiday. Via internet banking I arranged for the full amount to go from my current account to pay my mastercard. This went out on the 12th April. It did not enter my…

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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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