-
Argos card Purchase & PPI - what a rip off !
Just called up to activate my Argos card and to let them know it had arrived safely (purchased 2 sofas on interest free credit so they opened an account for me). Got the spiel for PPI read out to me : 'Protect your purchases against accidental damage and your monthly payments for only 13p per £10 of outstanding balance per…
-
Cahoot - £30 charge for breaching credit card limit - is that legal?
I haven't searched on this so apologies in advance. I went over my limit with my credit card and as such they have confirmed that they will levy a £30 charge on my account next statement. I always clear my balance in full and have done for almost seven years. I have emailed them back and asked them to waive it this time as…
-
What is the highest credit limit you've been given?
10,000 for me.
-
What Is the best thing for me to do now?
Paid up my Sainsburys cc, and the 0% on purchases is now ending this month. I want to buy something on cc. Should I just open a new 0% on purchases with someone else? If I do this will I have to close my Sainsburys one. Or should I just put it on the Sainsburys card and then balence transfer the amount to a new card? Also…
-
turned down for 2 credit cards now in 4 weeks
Hi folks, I applied for the GE card and like alot of people here got turned down but apparently they were very picky. Someone suggested I apply for the Virgin card and pay the 2% balance transfer fee (I'm transferring 5k from HSBC Mastercard) but I just got turned down. I applied online then at the end of the application…
-
Credit Card application questions
Hi all, just have a few questions re: applying. I have just cancelled one of my credit cards as I didn't owe any money on it and it had quite a high limit. I am assuming this will make me more likely to get a higher limit on a new credit card as I have less credit available. Is this right? I have read a few posts that seem…
-
New CC for non-UK resident
I am a UK citizen but currently live in France. I would like to make a purchase of around £1500 from a UK supplier. I have a long standing bank account and credit card in the UK both of which are registered to my home in France. Would it be possible for me to obtain a new CC with 0% on purchases from a UK company? What are…
-
when applying for cards
I want to transfer the balance of my existing credit cards £ 2900 ( egg ) £2300(mint) onto another card or cards as my deals are now up. I am applying for cards at the moment but was wondering if I should declare that intend to use the new card to transfer existing credit cards debt onto it or will this affect my…
-
The Boss has a new job and a question
I am starting a new job at the start of October, joining the apparently 'real' world of desk jobs and offices. My question is relating to length of time with an employer. Now, obviously I will not be applying for any cards until early New Year due to probation period, but is there a minimum time you should wait or is it…
-
Transfer Loan to 0% Credit Card
Hi, Im trying to think of the best way of getting my existing northern rock loan onto a 0% credit card. Loan Amount £3,690.01 @7.9% I have 2 cheques for my Barclaycard, the first offers 0% for 6 months with a 2.5% fee, the second offers 6.9% for the life of the balance with no fee. I have just spoken to Barclaycard and…
-
BT one quick question....
Hello knowledgeable folk Could a balance of mine be transferred by my partner onto her card to save interest charges. Or can I only transfer balances that apply to me onto accounts in my name? Thanks Kind people
-
Does "Tarting" adversely affect your credit
0% Balance Transfer Tarting -v- Low Apr for the Life of the Balance I currently have a credit card debit of £4,385. It is currently all on one Halifax credit card, with 0% interest until April 2007.:T I had planned to "tart" this credit balance from one 0% deal to another until I pay it off. However, I am starting to have…
-
0% on purchases cards
Additional information on 0% purchase cards http://forums.moneysavingexpert.com/showthread.html?p=2932763#post2932763 Clariman
-
A possible credit application hinderence
Not sure if this thread is in the right place or not so apologies in advance if its not.... Last week I applied for a credit card and today recieved a letter saying I had provisionally been accepted for it... this was pending identification checks. Now I was shocked as hell with this one..... From the list of documents I…
-
Mothercare card / GE capital backed
Anyone had problems with over zealous and rude! GE money customer services re their dealing with Mothercare store card? Basically I paid a balance of £500 on 23/08 for a due date of the 30/08 at a lloyds bank as directed on my statement. Now been written to and phoned re my non payment of the minimum amount(£23!) due on…
-
Which cards are MBNA etc
I cnat find anything that gives a list of which cards are MBNA, which are Morgan Stanley etc. I made such a boob trying for a Virgin card to transfer from A&L that if anyone has a list of who's who it would be welcomed by many. Now on reading some threads I realise that perhaps I should have transfered to my Barclaycard @…
-
card payment..URGENT
Hi all i have just been onto my online bank to pay my credit card and normaly i have been paying £78 minimum payment but just now ive looked and it says the minimun is £5.!!! it cant be correct, both the paper statment and the online info say £5, do take it as good luck or do i pay the amount i was expecting. to be honest…
-
Barclaycard Balance Transfer
Hi there, Im new to all this balance transfer stuff and am a bit worried about a transfer i made to barclaycard. I called on Tuesday to do the transfer which im told went through and the balance shows on my barclaycard, however the card i was transferring from still shows the full balance. Should i contact Barclaycard to…
-
Worth switching to M&S card? Bad for credit rating?
Hi folks, I have a dilemma and I hope someone can help. I have about £5000 on credit cards and have decided to stop spending frivolously and try to clear them off. I've been tarting for a couple of years but I just want to go for the stable relationship now. After reading about the Barclay card's life of balace offer I…
-
Worth switching to M&S card? Bad for credit rating?
Hi folks, I have about £5000 on credit cards and have decided to stop spending frivolously and try to clear them off. I've been tarting for a couple of years but I just want to go for the stable relationship now. After reading about the Barclay card's life of balace offer I applied and recieved it. One problem, a limit of…
