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Credit Limits - how do they work?
Hi all, I have lurked here for a while but have never posted. I wanted to ask about credit limits. Does anyone know how they are worked out? I have had an MNBA card for years, and the credit limit is now over £10k and I recently applied for an egg card and was given £15k as a limit. I have applied (I think successfully)…
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Capital one minimum repayment
Hi I have just rung capital one to ask what their minimum payment would be if I applied and they couldn't tell me if it wa 2% or 3% and seemed to think I was odd to want to know. It would make £60 difference a month - the difference of affordability or not. Without that info. I can't decide whether to go for them on the 18…
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second transfer onto Capital One card
Hi I've just been sent the letter below. I got a capital one credit card 7 months ago to make a 0% balance transfer. I would like to transfer some debt from another credit card by phoning them and from my bank overdraft using the check. Are there any catches/any reasons why i shouldn't???? I assume everything will stay at…
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Nat West review of credit score
Hi, A friend has just had her Nat West card cancelled even though she has never done anything wrong on the account. She had it refused when she tried to use it and when she contacted Nat West she was told the Royal Bank of Scotland (have they taken it over or something?) were rechecking all customers' credit scores and if…
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additional card holders?
how easy is it to add an additional card holder after you have opened a CC? is it simply a case of phone up and provide the details of the additional card holder (ACH)? also, i know as the main card holder, i remain liable for all use of the ACH's card. but with regards to credit rating, does the ACH's credit rating…
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Is this a stupid plan?
I have just received a new credit card with an introductory offer of 0%p.a. on balance transfers and credit card cheques for 9 months, and 0%p.a. on card purchases for three months. I'm thinking, what if I wrote a Credit card cheque to myself for £3000 and put it in a mini cash ISA? Could I then just pay off the minimum…
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Not sure what to do?!?
Myself and my husband have a car loan which has £7,500 outstanding on it with Capital Bank, and we're paying £192 a month for 60 months (46 still remaining to pay). We have no debts (apart from the loan obviously!), credit card balance is £0, good credit rating and we have a good joint income (approx. £50k per year).…
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0% bt rate til Jan 08-Capital One
Capital One are doing a 0% on balance transfers til jan 2008, with the 2% no cap fee, but none of the "you have to spend £100 in 3 months" malarky. Also with 3 months 0% on purchases, but clearly best to use just for balance transfers.…
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bloody halifax credit card
i ned help...................! i have a credit card with Halifax and my credit limit is £1600 but my balance is £2356, every month i pay the min which is about £47 but with interest and charges of £74 approx every month, so i phoned halifax up to see if they would freeze interest for 6 months so i could pay about £100 a…
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paid them all now cant get
Ive cleared my credit card debts i had several credit cards, store cards etc, and was hoping to get a cashback credit card but I keep being turned down, anyone know why this should be? surely if I aint got any debts they should jump at giving me credit?
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Can't work out the mnaths, please help!
I have around £5,000 on a 0% CC deal coming to an end in October. No chance of paying it off before then (unfortunately), so need to move it to get a continuing good deal - NB am paying it off as fast as I can. I have 2 options, and can't work out which one will be best. Option 1: Have just applied and been accepted for an…
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ASDA credit Card 0% No Fee
I everyone. I'm new here but thought I would share something I found out at the weekend. The Asda Mastercard is offering 0% Balance transfers for 6 months with NO Balance transfer fee at the moment. (or a 5.9% life of balance). Also, if you shop at Asda anyway, if you pay for your shopping using the Asda card you will get…
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GM Card
There must be many of us GM card holders with points to spare. I have the max (up to £2500 off a Saab and £2000 off a Vauxhall) but don't actually want to buy any car at present. Is there a forum to bring potential Saab / Vauxhall buyers together with points holders to share the benefit? Rob
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A cautionary tale about MBNA
I signed up for an Alliance & Leicester card about a year ago to clear some debt I had at 0% for the year. I discovered when the card came that it was actually MBNA. I'd heard some nightmare stories surrounding them, however since the card was on 0%, I thought I'd keep with it. Last month, I was unfortunately two days late…
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credit card hell
i have a credit card thats up to its max but i can not bt to anyother card i get refused any one know how i can get my bill down as my interest is £80pm:confused:
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Anyone done this?
I have a Lloyds TSB Advance Card with a £10,000 limit on it. Unfortunately I went up to that limit and now sitting at £9,800. The interest each month is just under £100 and the mimimum payment is £200. I would like to transfer the balance to another credit card to get a lower monthly payment and lower interest but finding…
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Egg card is shambles
I rang up Egg on 10th July and asked them if they could move my DD date from the 16th to the 30th as we get paid at the end of the month and it's easier for us to cover the bill. They said they couldn't change it for July as my next statement of 16th July had already been issued, but that they would do it the following…
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paperless billing
What credit card companies use this system? I use the internet all the time and see no reason to keep getting paper bills, but they do keep sending them! Only ones I've found so far are Egg, Cahoot and Amex. Any more?
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vanquis card
ive recently been invited to apply for one of these cards they appear to have three different levels are they for people who have had previous credit problems anybody know anything about them
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Egg Card & Egg Money Manager
Hi, I have an Egg Card with a £15K credit limit (£0 balance). I want to keep the account so I can make use of their Money Manager (account aggregator), but I have no intention of using the account (as they now charge for Balance Transfers). If I were to have them decrease the credit limit to e.g. £100, would that make…
