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Balance transfers and overall credit limits
Hi all, hope this makes enough sense for someone to answer :) I've done a 0% balance transfer from a nearly-maxed card of 5K recently and the credit limit on the new one wasn't enough to pay off the entire balance so there was a thousand left on the initial card (and therefore remaining useable credit of 4K). So I now have…
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Urgent Dilemna
Hi there. I wonder if anyone could give their thoughts as to what to do. Last year, I moved over from Wakefield (sold my house) and bought a flat in Newton-Le-Willows in Merseyside. I like the flat and the area and even now have a lodger to help with bills. However, my financial situation is very tight. I don't spend…
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Egg 0% Anniversary Offer
Just a warning. I have just taken up Egg's anniversary offer and advanced a sum at what I thought would be 0%. I knew there was an admin fee (2.5%) but when I received the statement there was an interest charge. On questioning this I am informed that Egg has charged the interest on the admin fee! Surely this is the charge…
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Prepay Credit Card (debit) card info needed
I'm interested in what are being called prepay credit cards, even if they appear to really be prepay debit cards. But I'm looking for more information. The first place for looking for information is usually this site, but there is no article on the subject. Looking at this site…
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Too much available credit?
My mother has 25 accounts showing on her credit report, 1 is a current account, 2 are known loans. The rest are credit cards and catalogue accounts. We are trying to consolidate the two loans (to remove PPI on one, and so we can pay chunks off the other), so could the amount of open used credit be detremental to getting a…
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BACS from Alliance-Leicester to Lloyds TSB - how long?
Just realised one of my stooze cards needs payment by 10 August. Did a BACS payment form my A&L account at about 3PM today - anyone know if it is likely to reach by Thursday. If it doesn't reach how will interest be charged. The payment date on the statement is the 21st August. If the payment arrives one day too late will…
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Buying A Car
i WANT TO BUY A CAR AND NEED TO FINANCE ABOUT £12000, i BEGRUDGE PAYING ANY INTEREST BUT CAN PAY LARGE AMOUNTS OF MONEY OFF MONTHLY WHICH VARY IN AMOUNT. COULD I DO THIS ON A CREDIT CARD WHICH HAS FOR INSTANCE 0% INTEREST FREE CREDIT FOR SO MANY MONTHS OR DOES THIS INCUR CHARGES,,,ANY SUGGESTIONS????:confused:
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Really shocked at limit offered!
Basically my 9 months offer with Co-op runs out next month, so I have been looking to transfer my balance! I wasn't expecting much because when I applied for my card 9 months ago I was refused for a few cards and offered very poor limits. I only got my £1000 limit after toying with them for a few weeks. I wasn't hopeful…
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Egg's Contact Address
Does anybody have the contact address for egg as I need to write to them. Please
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Best credit card for a student?
Hi, I have never had a credit card and am after one purely to increse my credit rating. I only intend to use it for purchases such as petrol and pay off the total balance straight away. I am 23 and returning to be a student again in a month, so is a student card the way to go? If so, any suggestions? Thanks for any help.
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Large purchase Whats the cheapest way to buy?
Hi There, I'm a newbie to this forum, but think the info on this site is outstanding!! My question is this: I want to buy a conservatory, but don't have the upfront cash to do so. I don't really want to take out a loan, but thought I could maybe purchase the conservatory on a 0% purchase card, then keep transferring the…
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LPF littlewoods (barclays credit card)
I asked LPF for statements dating back to 2000, i sent the data protection act letter and sent in £10, they replied saying they only have information stored from may 2004 which they sent me, if i want further copies dating back to 2000 it will cost me £3 per statement as statements are stored on microfiche and doesnt fall…
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HSBC offer - seems good 0% 12 months
I just got a direct mail offer but it's also on their website, 0% BTS 12 months, 0% purchases 3 months, 2% BT fee. Minimum repayment each month is 3%. Seems to be one of the longest around at the moment. Also watch out as it only applies to BTs outside HSBC's group of companies - not sure which ones they are but I expect…
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Barclaycard transfer apr for life of balance....
I have paid off my Barclaycard in full and now I want to take advantage of the apr for life transfer offer. Martins article credit card shuffle says wait until your statement shows £0 balance, well that would be ok if my next statement wasn't due until the day after the apr for life of transfer deal runs out. What should I…
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help needed...
HI i am new around this credit card forum and am looking to transfer my mastercard to save on interest... I have read thru the other messages but am confused as to which one would be best..I only need to transfer about 600.00 pound but need the longest 0% interest, Thanksa in advance..
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Abbey!!!!!!!!!!!!! Grrrrrrrrrrrrrrrrr
My abbey statement for my platinum cashback credit card states today that they are now operating a rewards sceme and discontinued the cashback scheme. I have about £60 cashback to come but now it will be converted to points so I will lose out. What a rip off. Apart from that, have you tried to talk to anyone at Abbey…
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Free £10 from egg
I searched the forum but couldn't find this. If you have an Egg account and activate egg money manager with at least one other non egg account they will give you £10. details can be found here http://new.egg.com/visitor/0,,3_48814--View_845,00.html I was a little sceptical about adding other accounts, but i'm actually…
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Credit Cards- Capitol one
Just been advised that Capital One will be charging an annual fee of £20 with effect from 29th September 2006. due to "market conditions". (whatever that means, for the vast majority are "no annual fee". Here's one they won't be charging
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How to pay a 20p credit card bill ?
Hubby has a Halifax one credit card which we thought we'd paid off in full last month (after ringing them and asking exactly how much to the penny was needed to clear it). The statement we've had through shows : Balance brought forward £61.30 Payment received £61.30CR Interest Charged this month Cash at 1.736% per month…
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Using chip and pin
When using chip in pin, why is it that on the many shop receipts, full card details are displayed? confused Funschine
