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How quickly card transaction show on account?
hi there i bought a large purchase on Monday (its now friday) on 2 cards (cashback etc, money sitting in bank earning interest - credit limit on one card not enough) on one card the transaction was there almost immediately, but the other one is still not showing (even in pending) the second one had a problem and he voided…
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Paying off loan with 0% card
I have a loan of approx £6000 remaining and the interest rate is 6.5% with 2 years left to run. I am thinking of paying it off with a 0% credit card to avoid paying the interest on the loan. Has anyone any experience of doing this? Just thinking whether its worthwhile or will it not save me much in the long run? Any advice…
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Extortionate Capital One
Hi All I've just arrived home to find letters from Capital One - one for the visa card, the other for the mastercard. They decided - due to "Market Conditions" they need to raise the interest rate on my account from just over 30% to just under 35%!!!!!! I'm flabergasted - How can they come up with that rise! Can they come…
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Aqua Credit Card Dodgy ID Request
Hi, this is my first thread here, so I hope i've done it right. Please let me know if i need to change anything. I applied for a credit-rate-building-type credit card from Aqua. I don't have the best credit history, and am currently employed in the grey economy in West Wales. I received a phone call from someone who said…
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Can I do a shuffle?
state of my credit cards: RBS £353.85 Balance £400 limit, opened sep 2005 never missed a payment. Interest is 15.756% PA Virgin £1994.74 Balance £2000 limit, opened jan 05 missed quite a few payments due to direct debit returns. Interest is 27.9% PA EGG £884.90 Balance £900 limit, opened jan 05 never missed a payments.…
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egg cashback
When did Currys stop doing cash back?
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Stroud and Swindon Fee Free BT
Have just been accepted for this card. Very knowledgeable, intelligent and helpful staff at Co-Op Customer sevice confirmed Fee freeness of this card despite the ("generic") summary box showing 2% BT fee which applies to other Co-Op cc's. Fantastic!
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High CC intrests, is there a way out?
Hi. I have a capital one CC with £450 balance and paying 30.5% Also a Barclaycard with £340 balance and paying 27.9% I have contacted both companies to see if they will reduce the rates - No. Or if they would increase the limits to merge the two. - NO. I also have a timecard with £500 with 30.5% - They dont seem to be able…
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low rate balance transfer
Hello, can anybody confirm if Barclaycard are correct - if you have a late payment they put your APR rate up to the current rate and charge you a late payment fee as well. I do not remember reading that in the terms and conditions.
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Deposit for a Credit Card
Hi All In the past few years I had run up some debt due to a new family and low earnings, now I have a much better paid job and have settled 99% of my debt. I'm now just stuck with 1 mobile phone bill unpaided for 1 1/2 years due to them maiing an error on my account and refusing to amend it. So my problem, even though I…
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Any fee-free SBTs left?
Hi everyone, I'm looking for a way to pay off my Cahoot loan as the interest rates on it have gone through the roof. I will have the cash to do so by Christmas but was looking for a way to avoid paying interest on it until then. Are any providers still doing fee-free SBTs? It sounds like Mint have stopped and I can't see a…
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do you pay interest on balance fee?
if i get a new credit card and get charged a fee for doing a balance transfer to it....... do i pay interest on the fee over the period of the 0% offer?
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CC help for a dummy please!!
Hello :) Whilst opening a new current account (in addition to my student account) with Halifax I was offered, and accepted, a halifax credit card. I've never had a credit card before, and if I'm in financial difficulties my student overdraft (£1250, 0%) covers anything I need. I need to pay for train fare for my travel to…
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Which cards are here?
Nice picture on today's Independent: http://www.independent.co.uk/multimedia/archive/00226/p1-280906_226151a.jpg Been trying to identify which cards are present in the montage Egg Barclaycard Virgin... (I'm assuming these are just the cards in the reporter's pockets at time?)
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Getting credit at a new address
My credit rating is pretty good at my old address but since moving to a new house (new build so no previous occupants) I am having trouble getting a new credit card because the house has no credit history even though I have a mortgage on it. I have changed the address on existing credit card and regustered to vote. Do you…
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Payment Due Date
So who are you with & how long do you get for your payments? I saw quotes of Sept 18th statement date, with a pay now of 9th October (which sounds about right to me, 3 weeks.) However, another poster said she only had about 9 to 10 days. ===edit=== sorry cerenia! :)
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guide dog charity card
Does anyone remember if this was interest free for 6 or 9 months? I'm just trying to decide on getting the post office 0% card or not but there is no point if mine is 9 months cuz I've only had it 3? On a side issue do you all close old cards after you have transfered off them? cheers, worto.
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Help with getting back credit card charges that must go back several years
My husband has had a Cooperative bank Visa account for about 15 years. but no card for about 10, A few years back we where in financial difficulties and began paying off all our debts througha third party. Big mistake their charges where diabolical. So we took out a secured loan and paid every one off apart from the Credit…
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Lower Charges but increased APR on my Card - Little Notice Given
I got my statement on my Co-op credit card today, to find a letter saying that they are reducing the cost of charges for going over the limit etc from £25 to £11, which I thought was good, however, in the next paragraph it says that from the 2nd October they are increasing the APR on my card from 13% to…
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Need Some Advice Please !
At the current moment my parents have lots of debt on credit cards & I am helping them pay it off. I have managed to reduce the debt by about 5 - 6K in the last 3 months and would like some advice on the best way of shifting debt between their existing cards. Please find below the details of the credit card debt: Credit…
