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6.4% apr credit card
Get 6.4% apr with the American Express Platinum card,thats got to be the lowest apr I ve seen. regards:j
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Pre-paid cc?
Hi, Wandering if anyone has any experience of pre-paid credit cards and if so, any recommendations for a good one? I'm a discharged bankrupt, so can't get (and don't want!) a *normal* one but would like to be able to repair my credit rating a bit. Ta.
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Three Cards, which two to ditch?
Lucky enough to be debt free at the end of July! :T I'll be left with three credit cards: Mint, Egg and Barclaycard. Mint and Egg will have 0 balances on them. Barclaycard is my main card, and I use it as a charge card - live off it during the month, then pay it off in full so I don't incur any interest. After July I want…
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7000 Free Nectar Points with American Express New Application
My first moneysaving post... You better hurry as there are only a couple of days left... I know this isn’t as good as the original 10,000 nectar points that was listed a while ago, but 7,000 points isn’t bad. http://www.nectar.com/dynamic/estores/retailer/americanexpress T&Cs: - If approved for the Nectar Card from…
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"Delinquent" c.c. @ ref agency - strategy?
Hi, first post, love the site. I signed up for Equifax Gold Creditwatch (thanks) and had a look at my reference. I have a "red 4" (four missed monthly payments) on a credit card. What happened was that this card was with Intelligent Finance but they withdrew their Offset card and transferred my account to Halifax Card…
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continuous card payment / contacting visa
i got stuck in one of these continuous card payment things and now need to write to Visa as my own credit card will / cannot do anything and the company i had this with is not responding. what address do i write to at visa for this. thanks in advance.
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Problems transfering money
I am currently trying to follow Martins instructions (http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1094822880,81886,#turn) to get the cheapest loan by balance transfering money from the egg money card to an if card. However when I try and transfer the money i get an error saying the bin number (first 6…
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MBNA Virgin card 15.9% hiked to 24.9%
There are a few threads here regarding this outrageous hike in the interest rate for MBNA's Virgin credit card. If you got this letter too, please could you post here- 1) Original and new rates 2) When your 0% period expires 3) When new rate applies 4) Reason/excuse they gave you for raising the rate 5) Has any other…
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credit card rip off
last year I took advantage of the Virgin 0% super balance transfer deal, with the APR of 15.9% variable after end of deal. I did not add to the card and only transferred my balances, repaying every month more than the minimum required.. I am now just coming to the end of the interest free period and guess what the APR is…
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Direct payments at bank of credit card issuer
Does anyone know from experience whether a payment made from a personal account held at a bank which holds the collection account for a credit card issuer will reach your account with them any quicker because it is potentially an 'internal transfer' - and therefore not liable to a cleaning [erm, 'clearing'!] cycle? [Bonus…
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MoreThan Credit Card shutting down?
Hey all, Has anyone else received a letter from Lloyds TSB notifying that the MoreThan credit card is being shut down and we're all getting Lloyds TSB Platinum cards as replacements? What I would like to know is the Cashback percentages? Thats why I had the morethan one in the first place!!!!! Anyone know the answer?
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Sky card question.....
i just received my new 0% on purchases sky card today with a £2K credit limit. Setup the internet account so as i can deal with the account online. I logged in to find the following detailed: Credit Limit £2,000.00 Current Balance £0.00 Available Credit £1,835.30 Amount Overlimit £0.00 Any ideas why my availiable credit is…
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Business credit card
I want to use a credit card for my business that gives cash back or someother reward At the moment I have a Nat West card that they did not bother to tell me I could collect airmiles on it so I am a bit fed up and I have to pay £25 admin charges
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Working out APRs
Anyone know if its possible to work out the APR from a monthly interest rate for credit cards? I'm trying to help out a friend but apparently the cc companies wouldn't tell her the APRs until the accounts were up to day. The monthly interest rates for them are 1.527% and 1.363%
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Virgin Credit Card
Can anyone help me with the Virgin Card terms and conditions? I did a balance transfer last November at 0%, and being a good MSE I didn't use the card for retail transactions. Now, at the beginning of March I made payments that brought the outstanding balance transfer down to £70 owing. So I put through a transaction…
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MBNA Virgin outrageous interest hike
I have a 9 month interest free deal that expires 15th May, I received a letter yesterday saying my rate 'following statement date in May 2006' is increasing to 24.9% (from 15.9%) !! The terms and condition seem to allow this with 14 days notice, and I'm just about to shift the debt to another card anyway, but I was just…
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Capital One - "no interest rate decrease ever"?
has anyone had a credit limit reduced by capital one? i have a card with £1000 limit and 29.9% apr, which i am using for bouncing debt and generally rebuilding my rating. i always pay it off. nontheless i asked about reducing the limit and was told: "Because your APR was calculated only when you opened your account, it…
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Builiding up credit history.
Apologies if this is a repeat thread - I couldn't find anything under a search. I recently applied for the Morgan Stanley card as I liked the idea of cashback and its the one recommended. I was refused, so I sent off for my credit reports and they are good. :confused: I ve never had a credit card before, so I'm guessng…
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BMI Free Air Miles - Please Read this
Hi, I recently received my BMI card and used it a couple of times to be able to receive my free 20000 Air Miles. As I have an Amex Blue, I stopped using the BMI card. I received a call from BMI yesterday, asking me if everything was alright. I asked them about the free air miles and they said "Well, you have to spend at…
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egg money interest.
sorry if this has been discussed somewhere already. I opened my egg money card in Jan as a preload, cashback, mule card. It's set up to pay the full balance of anything owed each month by DD. I thought if I had -ve balance and it was paid in full before the due date I wouldnt get charged interest but I've been charged…
