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Accepted (I think)
I called HSBC to get their 0% card yesterday but I didnt get it, but they offered me another card at 22.9% They said I need to go into a branch with proof of ID and a utility bill and sign the forms, I dont have any bills in my name????? What can I do?:confused: Will they refuse me??
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Whats the cheapest card for........
Cash withdrawals-handling fee/interest rate ?
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morgan stanley
which company they use for credit reference check.
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Equifax Credit Check for Credit Cards
i have already read the list of notes that which cc lenders using which credit agency but could any one please tell me which cc lendors are just checking by equifax rather then experian because i have seeen different views of people with cr checks. Thanks
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Utility Bills
Hi, I would like to know if any of the companies below report to Experian and/or Equifax regarding account payments etc. eDF Electricity British Gas Thames Water British Telecom Land Line Thanks for any information.
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HBoS Group transfers
Has anyone managed to transfer card balances from one Halifax/Bank of Scotland card to another or been declined? I am advising two different mates with two different sets of debts... What I would like to see them do is 1. Transfer from Intelligent Finance card to Union Card eg ASLEF platinum (0% 9 months, no BT fee) -…
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Morgan Stanley New Card i24
May be worth considering if you always payoff you card. 1% Cashback + Commission Free Spending and a large credit limit £10k+ Though definitely not worth it if your likely to miss a payment due to the APR hxxp://www.i24creditcard.co.uk/i24aq/data/special.html Typical 57.8% APR (variable) <--- Wow another contender for…
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Advice For Someone Who Needs Help Please
Hello guys, sorry I wasn't too sure where to post this message and seeing as it is a credit card I want, i figured I'd post it here :) Here goes..... I was with my ex for 16 years (since school), I'm 31 now and I've never had any kind of credit before, EVERYTHING was in her name. So I am now having to build a credit file,…
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need help with interest calculations
hi all, just trying to understand how interest works: i have about 2k in a credit card account, currently at 0% but due to my bad timing, the promotional rate will end on sep 1st and the card will shoot to 19% (or thereabouts) i will be able to pay the card in full at the end of september, so i'm trying to work out the…
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How do you get a credit card when you don't have an address
Hi there, Can anyone help. Approx. five years ago my wife and I sold our home and built a boat to live on. At that time we had a credit card. We now have all our mail sent to a PO Box in our local town which works well. We informed our banks and our credit card company of the change and they have all accepted our new…
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Mint 0% Balance transfer
Last month I transfered £3795 onto my Mint card. The customer service girl said that it will be 0% for 6 months but there is a 2% transfer fee to pay. Got statement today and have been charged 65p interest. After speaking to Mint today they said that I am being charged interest at normal rate of 18.9%on the transfer fee. I…
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M&S or Natwest vs egg limits
I already have an egg card and am looking at applying for Natwest or M&S credit card to try and continue my 0%. Have ruled out other cards for various reasons. I know limits vary a lot and the limit is key to the amount saved!! I also realise that there are lots of other factors but for those of you with egg cards and…
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Have Egg calculated my interest right?
I have a new Egg CC, which I balance transfered £475.00 onto. I received my Egg Statement today and they've added a Balance Transfer Fee of £11.88to it which is fine (2.5% charge). So my total closing balance is £486.88. The problem is is that the minimum interest I have to pay is £14.50, but 2% of £486.88 is not £14.50.…
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Paying Off My Loan With A Credit Card!!
Hello their I am looking for some help....in fact I am begging for someone to help me. I have a loan with the Halifax and I am getting fed up of making payments and basically it not reducing the loan.:mad: I am thinking of getting a credit card with a long 0%, im looking for something with at least 9 months...any more…
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Morgan Stanley - Problem
I have a Morgan Stanley Credit Card as recommended by Martin. I Received my statement this morning to find I had some interest on it despite always paying the bill in full by the required date (Martin would approve). I called the customer services team who informed me that they have had a system update and that some…
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Card Theft & Cash Withdrawals
Hi I wonder if I can get some advice for my aunt. She is in England following a house purchase but normally lives in Eire. She had a phone call tonight from her husband who had just received a credit card statement from their NatWest credit card showing many cash withdrawals from various places in Ireland and then in…
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9 months 0% on BTs and Purchases - FEE FREE
The British Association of Occupational Therapists Platinum Credit Card (run by Bank Of Scotland) offers 0% for 9 months on both Balance Transfers and Purchases. Of the Balance Transfer fee, the Summary Box states "2% or minimum £2 (on promotional rates except introductory offer)", which basically means that you don't pay…
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LloydsTSB 0% BT - 9 months
their platinum credit card looks ok as title suggests. 2.5% fee (doesn't say whether it's capped or not?!?) the part of the terms i didn't like was this 'Interest is charged on balance transfer fees' does this mean while you large BT debt is sitting at 0% the fee you've paid is gaining interest and you can't pay it off…
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First Credit Card For Someone With No Credit History??
Hi everyone, My brother has never had a credit card or any credit before for anything at all so I'm assuming there'll be nothing in his credit file. He wants to apply for a credit card (possibly to be used for stoozing or possibly just for cashback purposes). I'm wondering which are the best ones to apply to for someone…
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Problems with Barclaycard!
I have a Barclaycard where I don't owe anything on at the moment. (Credit limit £400 - OK, I'm a pensioner!) I wrote and said I wanted a better interest rate than 24.9%!!! or I wouldn't use the card anymore. They wrote me a letter saying they'd give me 11.9% plus I could make a balance free transfer. Whoopee, I thought!…
