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First Direct's new cc offering
[FONT=Arial, Helvetica, sans-serif]fee free Balance Transfer rate of 2.9% p.a. for six months.[/FONT] [FONT=Arial, Helvetica, sans-serif]This applies to Balance Transfers of at least £500 from competitor credit or store cards made within 2 months of opening your account. You’ll then get the same rate on purchases too.…
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different rates of apr? whats your and who with?
i have a few cards here are my aprs, bcard 18.9% ( initial) card capitalone classic 15.9% mbna 8.9% abbey 11.8% i find it shocking all the different rates people have and not just the standard apr offered when applying for the cards, for e,g my caputalone was origionally 29.9 but now 15.9 its amazing what a phone call can…
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Done a bal transfer to Barclaycard what is my % rate?
Hi there I did a BT to Barclaycard cos they were offering a good rate for the life of the balance (least I thought it was...lol) I've just looked at my online statement and it quotes an APR of 19.9%. Am I right in assuming that this is the normal "quoted" rate and not my "special" rate. If it helps, the balance on the card…
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Monument have lowered my credit limit
I just got a letter today from Monument saying that 'as a responsible lender' they have decided to reduce my credit limit from £7000 to £6300. Apparently, 'this decision has been made based on your overall account usage and is not a reflection of your account status.' If they are so 'responsible' how comes they gave me a…
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Explain APRs !
i am bit confued and dont understand the term of Apr... suppose if i say i have visa card with 15.9 % apr and if i do use it regular and pay them back on time every month then where does this apr system apply ? ( or does it apply if i dont make a full payment every month ). hope u are ggeting my question .
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cancelling credit cards
i am in the process of cancelling my cards once i have paid them off.i have made 2 payments on 2 credit cards which should clear my balance on them both.what is the best way to cancel them and how long does it take to show on your credit file?once both of these cards are cancelled how does this affect my credit score? many…
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Applying for a lower credit limit
I have a couple of cards with a frankly frighteningly high credit limit, that have balances that are a lot less than the limit. I didn't apply for or expect such a high limit, but it they were raised automatically after I had the cards for a couple of years, I think they smelt blood when they saw I was only paying off the…
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DOUBLE Natwest Credit Card late fee - £24 for 2 seconds
Natwest offered me a 9 months interest fee credit card. They wrongly charged me an activation fee, (but refunded when they agreed that was part of the offer). So, I transferred my balances and "took it to the limit" - well, to within £10. I made a payment, but guess what? I forgot about the bank holiday - so, because of…
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Rejected for Virgin CC....
A week or so ago I applied for the Virgin 0% on balance transfers for 12 months credit card. I currently owe £500 on an Egg card and want to transfer it now the interest free period is up. I plan to pay it back within a year but don't want all that interest added on. Does anyone have any ideas for another card I could…
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Turned down for a credit card
My girlfriend's just been turned down for an MBNA credit card because they say she has no credit score. She has ordered her credit file and all that is on there is the fact that she is on the electoral role. She has banked with HSBC for 10 years and has a HSBC credit card but these don't show on her credit file. She works…
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Post Office Credit Card
Just to let you know, the PO credit card is changing its t and c next week. They will be charging a 2.5% BT fee, but the 0% on balance transfers will go for 8 months. Only 3 months on purchases though. APR will stay at 14.9%, still quite good. These changes are of 2.10.06. HTH someone!
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2% fee, Marbles offered me 0% until Feb
As the title of the thread says, Marbles last week offered me 0% with a 2% fee (uncapped) until Feb 2007. So this is about 5 1/2 months which makes the APR in that time approx 4.3%? Someone please confirm that for me. They sent me some credit card cheques which I know are frowned upon but some of them are ok, like the ones…
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0% purchases - credit rating?
Say I had a credit card with 0% interest on purchases for the first 12 months. Say I bought something, then didn't pay it off for 6/7/8/whatever months. Obviously I am technically missing my payments, but because of the 0% deal I'm not accruing any charges. Would this adversely affect my credit limit?
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They took all my wages!!!!!!!!!!
Hi long time lurker first time poster! Anyway i had a outstanding balance on my barclaycard that had gone to the last stage of debt collecting. Anyway i have just got paid and when i have gone to my bank barclaycard have taken EVERYTHING out of my account!!! Does anyone know where i stand on this? are they allowed to do…
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Morgan Stanley new terms - cancelling
I see that now Morgan Stanley have changed their terms and conditions on the Platinum cashback card, it's time for me to ditch this card. They owe me a little more than the minimum £15 cashback payment. The new terms don't come into effect until 1st October, so can I ask for my initial £15-block of cashback and then cancel…
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Why am I being charged interest on my EggMoney CC
My Egg Money CC is set up to pay off in full every month by DD. I have just checked my statement and I've been charged £1.84 for interest. I emailed them and got the following response "You've been charged interest on your Sept statement due to your 0% interest free on purchases expiring on 1st Aug 06. Any purchases you…
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U hv a txt frm Mnt
Mint launches text-based card repayment service Would anyone use this service? Or do you prefer the counter / inet / telphone approach?
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Aqua card not living up to their claims
Hi all - just thought i'd add a quick post to my other comments under Shellybabys "Refused a vanquis card" thread. Basically - Vanquis wont touch me so I've just made an online application for an Aqua card. So much for the "personal touch"....I submitted the application, fully expecting the usual "THank you for your…
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any ideas
i have £1500 pound on my card with tesco at moment , want swap to another card so not paying as much intrest, whats best one around at moment looking to have it paid off in 6 to eight months. cheers
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Virgin credit card promotion!
Just received a letter from virgin with a promotional rate of 0% untill March 2007.Might be worth giving them bell if you don't receive the offer.
