-
Royal Bank of Scotland are grating on me!!!
Situation is: I had a platinum credit card o/s balance £1300.00 (credit limit £2200) To my knowledge I hadn't missed any payments but in June this year I received a letter stating that I do not meet the lending criteria for this card and they want there funds back. I questioned this and they said I had missed 12 payments…
-
Pay off credit card totally, and cut up, for a discount
I have about £13,000 on a credit card (0% transfers etc), which I am now in a position to pay off fully. I have been a good consistent payer since I have had this card. As I see it, this amount is 'at risk' to the card issuer as it is totally unsecured. I feel that I should negotiate a reduced settlement figure with them…
-
best card to use in the usa
What is the best credit card to use in the usa. I resent these articles which say I have to pay hidden extra charges overseas. I have heard the nationwide is favourable. Any recommendatios please.
-
Another nail in the coffin for fee-avaoiding Rate Tarts. . . .
Hi guys, Been receiving the MSE.com mails for some time, but just registered for the forums and this is my first forum post. Great web-site! Like many people I guess who've got wise to 'rate-tarting', I've had a number of different credit cards over the last couple of years, the balances of which are used (along with some…
-
APR - how to calculate from monthly interest rate
hi there I am trying to put together my SOA and for quickness I am looking at my last statements for my credit cards. However, on quite a few of the statements only the monthly interest rate is quoted not the APR and for accuracy's sake I would like to work out what the exact APR is (obviously I can work it out roughly and…
-
EGG card anniversary rip off
The Egg Card anniversary balance transfer offer now has a 2.5% charge for only 5 months of 0%. Its a total rip off and advertised only in the small print so returning customers like me get ripped off. Don't you be next!
-
Have I got The Brains Of a Rockin-Horse? Paid C/C In Full-NO Interest Free Period
Hi, am I being a bit thick (no funny comments pleaz) or has anyone else had this problem and thought this is wrong ? Ordinarily I have always been one to spend on my credit card and part pay the balance each month - this year I decided I would pay my balance in full each month and use it for daily expenses…
-
Is there a descent credit card out there for people with really bad credit??
I have really bad credit at the moment and have alot of people that i owe money too and i was hoping there is a credit card out there that will tide me through the bad times untill i start gettting an income. To explain my income situation - i have just graduated from uni and start a teaching job in september so…
-
Stuck with high interest
We have 2 cards with balances of £7000+ and £3000+. Last year my husband was in hospital for a while then off work for 3 months and I didn't realise payments were in arrears until some months later. I arranged a re-payment plan with the companies and we are now back on track but are paying £170 a month on one card and £130…
-
Help Please with Close Brothers Visa
Hi guys, great site which has saved us hundreds of pounds already! I need a little advice - I have a visa credit card with Close Brothers Private Bank, which is issued by Brown, Shipley & Co Ltd - I have a good credit limit with it and the introductory rate has been good. I am now 3 weeks from the end of the honeymoon…
-
Egg: fee or no fee?
Mrs H's Egg anniversary is August so she secure messaged Egg last month just to check if there would be a BT fee which they said there would be (uncapped), as we expected, so no BT here. In the snail mail today she received a flyer saying it is her anniversary month and that there will be no fee applied. Do we do the…
-
Help needed - Additional money taken from my account via online bookmaker
I apologise if this is posted in the wrong place and ask that I am moved to the correct place if needed. I have posted this on the Gambling forum, but it may be better suited to the Money section, please see here for more info: http://forums.moneysavingexpert.com/showthread.html?t=237620 :mad: (basically it seems an…
-
Warning - refund in foreign currency
Just a quick note to warn people. I use a Halifax cc and was in South Africa. When I checked out of the hotel, they had overcharged me, and offered a refund. Both transactions went through on my cc but at different exchange rates - within a few seconds. The difference in £ was £10. I was lucky enough to spot it on my…
-
Moved to Australia
My friend moved to Australia nearly 2 years ago. She had an outstanding credit card debt of approx £2500 which she left money in a bank account to pay off the minimum payment each month. However the money has nearly run out and I know she is struggling at the moment. If she stops paying what is likely to happen? Thanks
-
Barclaycard reduced our credit limit without telling us
Hi moneysavers Today we recieved our barclay card statment, and find our credit limit has been reduced from £500 to £350 without telling us. This means that we had a availible credit amount of just £21 instead of around £170 which we understood was available. Since this card is used to pay sky and two other small monthly…
-
MBNA free football shirt
I had a letter from MBNA saying "Congratulations, you have won a free England football shirt from MBNA" If anyone else has got one, I wouldnt bother even trying to get it unless you are size XXXL or have a kid you can give the shirt to. There are no adult sizes left. Total scam to be honest - yes, they are offering a free…
-
Challenge Interest Charges - Even when they are right
I have a Natwest c/c card. I didn't pay it off one month, and incurred interest fees of about 45 quid. So the following month I paid the balance off in full. I was then very surprised to find 32 pounds of interest charges on the following month's statement. I called them up and said that surely there had been a mistake -…
-
0% balance transfers
Hi, Im looking to transfer my credit card balance to one that has a 0% interest rate on balance transfers. Does anyone now which one offer the longest time at 0% on balance transfers and with the least amount of fees? Thank you?
-
I didn't sign up
Last year I applied for a Virgin credit card in order to transfer outstanding balances from other cards. However, when the forms arrived for me to sign, I decided against the idea and set about clearing the debt. Virgin sent me another form and followed up with texts asking me to return the form, but I never did. Will the…
-
Chip & Print?
Had an idea last night that Chip & Signature isn't entirely foolproof, neither is chip & pin or of course signature only. In fact, none of them are fool proof and fraudsters will always find a way around them. But what about Chip & Print? You give a fingerprint via a biometric finger print reader (must be warm & have…
