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Big Apr Hike Following Cpp Cancellation
Hi, Last month I cancelled the Card Protection Plan on my Morgan Stanley Gold card. Today I recieved a variation letter stating that my standard APR will jump to 23.9% from 16.9%. This is a well run account with no late/overlimit charges ever. They say it follows a review, but I think it is linked to cpp cancellation. Any…
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Halifax attempt to keep me?
Halifax have increased my credit limit to 1400 just as my interest free period is about to run out, its just a shame Virgin have offered me 1500 on my new card that I'm tarting to ;) Is this a common thing for card companies to do ?
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Sorry Don T Know Where To Put This
HI can a mod move this if it is in the wrong place just a warning to every one who have credit cards who move homes I recieved today a credit card for the person who used to live in the house i now live in we also recieved all their account details and their pin number we could not get in touch with them as they left no…
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*WARNING* FREE Thank You Gift
Received today with my credit card statement from the Bank of Scotland, a leaflet saying choose two free gifts from the list free of charge...hmm too good to be true I fear so I looked at the small print. If you are using this card as a Credit Card Tart would, i.e. transfer onto, do not spend on it EVER, then this is a…
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Experian Credit Report
Hi Guys, I requested to obtain my credit report from Experian last week and today received a letter from them that in order for my report to be despatched I need to send original documents in the last 3 months with any 2 of the ff: bank statements, credit card statements, utility bills,phone bills and council tax. Also…
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Switch Leeds (Morgan Stanley) to pure Morgan Stanley: best strategy?
The cashback on my Leeds BS (Morgan Stanley) Mastercard has reduced to a flat 0.5%, yet on the regular Morgan Stanley card it remains at 1% on the first £2000 and 0.5% thereafter; plus they have a current offer of 3% on everything until the end of the year. So I'm just wondering: if I closed the Leeds BS card account and…
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Halifax rasied my apr by over 100%
Received a letter from the Halifax Card Services guys tpoday. I am on the Halifax Classic Card which I took up with an offer of 5.9%. In this letter I got, they are putting up the rate to 12.92% !!!!!! Well you can imagine, I was straight onto the phone... Turns out it's the usual " we reserve the right to change the…
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BT fee treated as a 'purchase'?
I"m puzzled..can anyone help?? I have an egg card...9 months 0% on Balance transfers. ( but not on purchases). However, they are charging me interest on a purchase, that i was unaware that i'd made, as i purposefully only use this card for the BT and NOT for any purchases. When i emailed egg, they told me that the interest…
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Monthly interest rates - apr
I have asked this on debt free too but it's quiet over there Can anyone help? Can you tell me what 1.167% monthly is as apr, and also 1.456% please Thanks!
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who does mbna own as credit cards?
i have a cahoot card, and a mbna platnium, now does mbna run cahoot? only i thought cahoot were run by abbey national, but i also heard that mbna were over taking abbey nationals credit cards , but im unsure about cahoot? i sound all confused, im new to this forum so please forgive me x
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payment protection cover
can anybody tell me if it is possable to cancel my payment protection cover on my credit cards.Is there insurace to cover all my cards rather than individual cover. do we have to pay it at all
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Declined?!?!
In a shop today, when applying for a store card (yes I intend to pay it off in full every month) I was declined, I have recently turned 18, have lived in my house (with parents) for 11 years and 3 months, with a household income of £45k pa, I had evidence of ID with me yet when they called up I was declined, can anyone…
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Payment Protection Cover
Ahh the dreaded Payment Protection Insurance. * Has anyone opted in for this? * If not, why not? * How much are you paying ? * Have you succesfully claimed on it? * Have you unsuccesfully claimed on it? Cheers
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GE Money Transformations app rejected - what now?
Hi there, Wondering if anyone has advice on this point.... My husband applied for a GE Money Transformations card, on the basis that every indication he's had so far is that he has an excellent credit score. His application was rejected. We haven't yet had the letter explaining why, but in the meantime I have one or two…
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help paying off loans with cc's
Hi Peeps, Bit new to this so sorry if being thick I have a loan with halifax and a cc with egg I'm trying to pay off the loan ahead of schedule but am wondering if i'm better paying cash into the loan or paying amount off using egg card and utilising the standard 45 days interest free then paying the card off before the 45…
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Store Cards: Play with the devil and win Article Discussion Area
This thread is specifically to discuss the content of the Store Cards: Play with the devil and win Article To discuss or ask a question about the article: click reply
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Stupid Question but...
If a card has a balance transfer fee, is this fee for transferring to that card and not out of it ? :confused:
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clarification needed!
i mentioned in an earlier post that i had appealed capital one's decision not to give me a card(even though i had a guaranteed card with them for a year) their reply letter to my appeal arrived this morning in the letter it states "we will tell you in the front page of our letter whether we may have used information about…
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Barclaycard Blag?
has anyone had a response from Barclaycard saying they cant give data prior to 2004 as its stored on Microfiche and you still have to pay £3 per statement for the information? I did following a Subject Access Request (Data Protection Act). I closed my account with them after paying of £1400+ of debt of which most of this…
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Can't find the info about who runs which card. (Never mind FOUND IT!)
I know its here, i know its been asked for before, i can't find it. wish it was a sticky. :o someone tell me where the list is about which cards are run by the same people please? edit Just in case it helps anyone else. http://www.stoozing.com/cards.htm
