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loaning debt repayments as savings?
I had an idea this evening while sat looking at what I owe to various people. It was all spread over two high-rate credit cards. Fed up with the majority of my payment each month being the interest, I combined it all onto one 0%-for-9-months card. I should point out that I'm not that bad with money - I'm in debt due to a…
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American Express Wrecked My Rating!
Logged on to my CreditExpert to get my report on saturday, everything seemed normal till i saw a CANCELLED american express card account with a 5 on the account - a serious out of control mark on my account (equivalent to 5 missed payments!!). The most annoying thing is that this account was paid in full and cancelled in…
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Negociating Credit Owed
Might sound silly but I asked my credit card company people if it was negociable. I could pay it off in a oner with help from my parents and then owe them it if I wanted. I asked the advisor on the phone I could offer them something for a one off full payment. Obviously they want me to be in debt to make money but do other…
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New employee information about the &More card deal
Most people probably know about the new credit card offer for NEW credit card customers of the M&S &More card. Best features about this card is 0% on all shopping everywhere for 12 months (from the date of account opening). 'Shopping' also includes purchases of Travel Money from the instore Bureaux de Change or online. You…
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MBNA Platinum
Hello, does anyone know the MMR on an MBNA platinum card please. Thanks, TTMCM
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Post Office Card Bank
Hi all, I've had a PO Credit Card for almost 6 months, so my interest free period is almost up and I'm looking for a new interest free one. I know that in the small print most credit cards say you can't transfer between cards with the same bank running them, so does anyone know which bank owns/runs/etc the PO card? This is…
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How can I work out my APR?
I have just been offered 1.9% by MBNA for 6 months with a £75 fee. If I was to transfer £3000 then what is the APR in that time if the fee is taken into account? How much does it cost to transfer £3000 with a £75 fee for 6 months and an APR of 1.9%? How much does it cost to transfer £3000 with no fee but an APR of 6.9% for…
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Credit Card Fraud - RBOS - Didnt want to know.
Just had a letter and a phone call from 2 different companies asking about my orders for computer stuff £261 and an Ipod @ £150. Weird as I shred everything. SO a few calls later I find out the bank RBOS who I dont have a credit card with first and last 4 digits. I call their stolen line, then im transfered to the Fraud…
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Stoozing on an MBNA platinum card?
Hi, I already have an MBNA card but applied for their 12 month interest free platinum card online. (2% handling fee). I was told at the end of my application to phone them, which I did. They have cancelled my existing MBNA card as I had £0 balance and have given me the new 0% card with a 6K limit..;) ;) I have an ICICI…
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Advice on getting Capitol 1 CC now or not
Hi, My OH has money on a CC at 0% interest rate until December. Its the first time of being a credit card tart so we are looking at the options available to ensure we are ready to move the balance. It seems that the Capitol 1 card is the best in that it last until Jan 08 with a BT rate of 2% (on about £1800 not to bad). I…
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Co-op CC: change of statement date and late payment charge
At the end of last month I asked to change the statement date of my Co-operative credit card from the 22nd to the beginning of each month. Last week I got a statement from Co-op, which indicated that I had been late with a payment, and there was a £11 charge. I called them and asked about the matter. The person on the…
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EGG increases its APR
Had an email today, containing this: 3 – we're increasing the APR on your card from 15.9% to 16.9%.
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RBS credit limits
Hi guys, just been approved for the RBS card with only a 400 limit has this happened to many people and have they upped it after use? Thanks
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Chargeback/refund to credit card
Hi everyone, I recently put £100 deposit down for a PS3 using my credit card. However I requested the £100 back after the PS3 launce date was put off to March. The shop in question swiped my card and provided me with a receipt for £100 refund. However the £100 has not shown up as yet on my statement or balanc when I check…
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HELP! Confused re using c/cards to pay off bank debt
Hi all - I'm very new - hope this post ends up in the right place. I'm also a real 'head in the sand' type when it comes to money and now I'm backed into a bit of a corner as my bank (HSBC) has refused to temporarily extend my overdraft (unless it charges me £25) and whats more they annoyingly keep wanting me to take out…
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Searches
Hello All, first post, and a great site. I need some advice for my sister if you can help please. She tried to get a And More Card last week and was refused, M&S have told her the reason was that she had 9 searches on her credit file with Experian, these searches were over a 3 week period. She had a Capital One card and a…
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Nationwide classic increases APR
Just had my statement and the classic card APR has increased to 17.9% from 24th Oct. sorry if has already been posted
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how to work out APR?
hi i have just had my credit card statment , and would like to work out my apr, it says 1.2408% ....... so whats this?:cool:
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credit limit increase time,
What do people find is the average lengh of time ur credit card company puts up ur limit, and which bank is it, ie lloyds every 12 months
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Fees for Paying By Credit Card - Outrageous
Today I puchased two single Train Tickets online using Virgin Trains (The Trainline). At the final stage ("payment") I was told that a £1.50 credit card fee would be charged ... on each ticket, so £3.00 ... which is a surcharge of more than 13% on the price of each £11.20 ticket. Searching their terms revealed this quote:-…
