-
Does a default disappear from credit files on 6th year anniversary?
Hi, got a default in May 2000, and while I know it is on there for 6 years, now that it is June 2006 will my default have disappeared from my credit file? The account was marked as settled on 31st May 2000, so we are just over the 6 years. I am hoping to buy a car soon and it would help me greatly if this was not on my…
-
Using credit and debit cards in France
Was in France last week and when trying to buy petrol from unmannned fuel stations (these are quite common) using credit and debit cards, all were rejected even before I could put my PIN no. in. I have 5 credit and 1 debit cards and none worked. I very nearlly got stranded with no fuel but persuaded a friendly native to…
-
3% charge for using AMEX card
Last month I took out an insurance policy with a well know moddified insurance company, when paying by AMEX I incurred a 3% admin charge taking the policy total to £812.37. This policy took effect on the 00:01 25/05/06 On the 24/05 I found a cheaper policy with another insurer so decided to cancel the original policy on…
-
Is there anything I can do?
I recently closed my tesco platium visa account and did a balance transfer to BA Amex. Due to me making a payment to visa and also the amex transfer being a bit over the actual owed balance - my tesco visa was over £380 in credit when i closed it down. Theyre now saying it takes THREE WEEKS to send me that cheque. I have…
-
Credit Card Virgin!!!
Hey guys, My mate told me about this site, and it looks pretty good. I was considering getting a credit card, to put my credit rating up, and also because i'm going to oz at the end of the year for 3 weeks. I have no idea about them, where to start, what to go for or anything!! Knowing my luck, if I just chose a card and…
-
Do you have a SAGA Card?
.. if so have you been told that Morgan Stanley are taking over your card? ( I think it is issued by Liverpool Victoria??) I am looking for an overseas use card but I reckon that the beneficial terms of this one will eventually go when Morg Stan get their hands on it - along with the normal Liv Vic card. I would be…
-
Lloyds TSB Gold card advice
I currently have the above card and it has aprox 3-4 months left at 0% on balance transfers which is the reason I've been using it. I was sent a letter however from them 2 days ago now which says that I now am able to have 0% on spending until September this year. Now this would be perfect for me next month as I'm going on…
-
Post Office CC - can I do a BT from mine and my husband's seperate cards?
Hi there, just got married and will be setting up joint account with my husband. He has always had a certain amount of debt which we need to try and get sorted over the next year or 2. I would like to transfer his CC and my CC to one 0% but not sure if this is possible and don't want to go through the whole online…
-
CitiCard-Bmibay Advice
Hi I got a new BMIbaby credit card and done a balance transfer at 0%, I've got my first statement in and it has this plus (CPP which I did'nt want). Anyway they have an estimated interest figure of £50.00! I 've asked why and they claim the figure is worked out using your standard apr but I will not be charged any…
-
Beware Morethan Double Charge!
LLoyds transferred my More Than balance to a new Lloyds TSB Platinum card on 6 Jun. It suddenly appeared as a new account on the Lloyds website even though I do not yet have a card. This transaction also showed on the More Than site yesterday. Today the More Than site has changed and is still showing the same amount as…
-
0% question!
hi folks im after transfering a balance of around 3 g from my evil barclaycard to a 0% card.i already have an empty virgin card and i know they do a 0% for 9months for new customers are they likely to offer this to me if i ring em? any opinions greatly appreciated cheers kate
-
CC Statement - [ADDITIONAL VARIABLE POINTS]
01 Jun 06 ADDITIONAL VARIABLE POINTS £0.05 Any idea what this is? SPACER
-
credit cards hell
Hi, I have two credit cards. On one I have an outstanding value of £1211 and until Oct. 06 with 0% interest and on the other one over £6600 with 12.4% APR p.a. On both I pay only a minimum payment each month. What card do you recommend for best balance transfers (I read about Egg card but still not sure) and how can I…
-
MBNA/Amex upgrade ?
Hi everyone I've just been offered an upgrade from my MBNA card to a combined MBNA/American express card, can anyone tell me if it is worth it and are there any hidden charges ETC.is the rewards & discount scheme worth it ? I know there's no such thing as a free lunch but I don't want to change and then find hidden costs…
-
calculating interest
help! i have applied for the ba amex to take advantage of life of balance deal. i want to calculate how long it will take to pay off my debt. how do i calculate the amount of interest monthly? will be a silly question to all you experts out there, i know thanks
-
The Best Balance Transfers Article Discussion Area
This thread is specifically to discuss the content of the The Best Balance Transfers Article To discuss or ask a question about the article: click reply To see the old thread click here
-
MBNA Balance Transfer Fee?
does anyone know if there is a maximum set limit they will charge or is it just 3% of what you transfer?
-
pre paid credit car for car hire ?
Hi not having a credit card a need one for car hire i have seen pre paid mastercard can these be used ? as i only have a debit card thanks
-
Too much to balance transfer?
I currently have a Lloyds TSB Advance Mastercard with a credit limit of £10,000. I have currently £9,730 to pay back but the interest is around £100 a month and the minimum payment is around £200 a month which I struggle sometimes to pay due to partner being in and out of temp jobs. I would like to transfer this so I don't…
-
Lloyds credit card - Advice Please
Hi, hope someone can shed some light for me, 3 weeks ago i got my first credit card with lloyds its a visa one, i have a current account there and a visa debit card also, i check internet banking everyday and this morning i was suprised to see another credit card account had been added to it, i called lloyds to enquire and…
