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seeking advice re dispute in regard to direct debit payment
hi there all the dispute i have is with IKEA store card. we have set a direct debit to pay all monies automaticly on time. I have now recieved a bill for penalty as they clain the direct debit was canceled and we havent paid the debt on time. Wehave not canceled the dd and our bank (natwest) says that according to their…
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rejected a credit card
Recently I got refused one credit card and I was surprised!!! as I was expecting my credit rating to be good as I never miss a payment etc...but then when I got the credit reports from Experian and Equifax, both of them showed that me and roja's names are not there in the electoral roll..when I called up the council they…
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Tarting Timing
Hey All :) My current 0% rate runs out on 11th August. I have decided on the next card I would like to apply for - does anyone have any advice on when I should make my application? I see that Martin's Tart Alert warns you 6 weeks before your rate runs out - this seems like a long time to me. I've always had my applications…
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how much will the interest be?
I am trying to work out how much interest i will be charged on my egg card,i owe £8,900 and the interest is now 5.9%, does anyone know how much it will be each month? Thanks.
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current accounts and credit rating
Recently I got refused one credit card and I was surprised!!! as I was expecting my credit rating to be good as I never miss a payment etc...but then when I got the credit reports from Experian and Equifax, both of them showed that me and roja's names are not there in the electoral roll..when I called up the council they…
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Transferred Balance - now new Spend
Hi This is my first post on this Forum and I have a question. I have transferred a small balance from Halifax 1 to Capitol 1 - no problem, but now need to place (spend) £1270 on a credit card. Capitol 1 told me NOT to put it on their card as it would only give me 0% until Sept on new spend. She said to put it on another…
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Debit Cards
I have a debit card which I use extensively. I use one because I thought the money was deducted instantly from your account allowing you to always know where you stood. However, it seems that this is not always the case. I teach, and during the last Easter Holiday, I used my card to put down a deposit on a car with a well…
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MBNA - Help
Hi All, Just found out that my wife's mbna card has the highest rate of interest applied to it. She rang them and asked for the rate to be reduced and to cancel the insurance. They said they will cancel the insurance but there is nothing they can do about the rate - yeh right!:mad: Does anyone have any idea how she can get…
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Goldfish credit card - statement dates
Does anyone know how Goldfish calculate when they close down a credit card each month for the statement? I have asked the question of them on the email and had no response, but thought would check on here before I call them. There seems to be no pattern - sometimes the period is 30 or 31 days. Recently I ahve also had a…
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Which credit cards have an instant decision when applying online?
As title really. I don't want to have to wait several days for a decision. I'd like to know at the end of the web application. It has to 0% on BT for 6-9 months.
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How good is Egg CC and Egg Money!!!!
I fancy taking up the Egg CC,good benefits inc cheap access to airport lounge for my wife and kids in a months time,plus all other extras on Egg money such as cashbacks on spends,anyone aware of the pitfalls on this. appreciated
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amex blue getting worse and worse (rapidly)
A week or so back I had a letter telling me that the £40 maximum fee for balance transfer was no more. You now pay the fee on the entire amount. Today I get a letter telling me that the all the interest rates have taken a massive hike. I'm clearing the balance and shall not use the card again if I can help it (which I'm…
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American Express balance transfer offer
Can Amex do this ? I had a letter through recently offering 0% life of balance transfer, yes you read it correctly. I read the small print and except the £40 maximum transfer fee it was all OK. Needless to say when I cleared the card and came to do it they siad it had all been a terrible error but as compensation they…
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Marks And Spencers !!!
I have just applied for the M&S card to allow me to do a balance transfer from Amazon. I didn't get an instance decision. They will e-mail me within 48 hours. Has anyone else had this experience??? Thanks Glasgow Chick x
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Turn your SkyCard into a 2% cashback card
SkyCard gives its customers 1 point for every £1 spent (not including BTs). If you redeem your points into SkyBet, 250 points becomes £5. If you already have a Skybet account, telephone them and ask them to redeem your points into your account. If you do not have an account, they will set one up for you. You can then…
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Liverpool Victoria CC taken over by Morgan Stanley
Hi I have a Liverpool Victoria(LV) credit card. Liverpool Victoria, I believe, have sold their credit card division to Morgan Stanley. Like me, there must be hundreds of other members on this forum who have a LV credit card. Would love to hear from other members whether they intend keeping the LV credit card or return it…
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Maths help: credit card "illustrative example"
I'm writing a piece on student credit cards, but am not mathematically-minded enough to work this out: £500 purchase on a card (nothing else) 18.9% APR only make minimum repayments of 3% or £5 or balance if less than £5 Summary box says £81.17 interest in the first year, £67.33 in the second year, total time to clear debt…
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Have you ever lied?
Just an interesting point of discussion, hope it's the right board! Have you ever lied about your income to get a credit card or any type of credit?
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Egg 3.9% balance transfer actually 9.9%!
Egg have today emailed out an offer of 3.9% balance transfers until 1st Nov (approx 5 months), however there is a transfer fee of 2.5% which is uncapped! I figure this therefore actually equates to an APR equivalent of nearer 10%!? Is this legal? Are credit card companies allowed to quote rates without an equivalent APR?…
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transfer or not?
Hi I have a citibank card with a balance of £150 at 5.9% for LOB. My credit limit is £1500 and I have been offered balance transfer of 9.9% until November. I was going to transfer balance of a higher interest card. The problem is that at the end of the time the rate goes to 24%. If I hadnt paid it all off would everything…
