-
Halifax have charged me £230 interest on £420 credit card debt (help)
matter resolved in my favour via phone. Thanks for your feedback. Tim
-
credit card
i have bad credit and find it hard to get a credit card ,does anybody know of a credit card out there that is good for me i have a great paid job now and can afford it but still no one will give me one some one help please :beer:
-
Can anyone help identify this card?
Hello. A friend of mine was visiting some people a short while ago when the topic came round to credit cards. The family have a card that charges an annual fee, but this fee is waived if you spend over a certain amount each year. You also get free insurance and other extras with this card. My friend thought the name…
-
Final Selfridges payment
Hi guys, Been browsing these forums for a while now and can I say how helpful it is! Really good community :) O.k. I'm not sure if I've picked the right section, so sorry in advance, but basically my problem is this; I've had a Selfridges bill for years and have just paid off the minimum payment. I never use it as I ran it…
-
MBNA - My 0% Balance Transfer Ending... - Repeat Offer ??
Hi, I was offered 0% on a balance transfer on my MBNA card, which is coming to an end within the next week. Has anyone managed to get an offer straight away with MBNA, without paying off the balance and then doing a new balance transfer ?? It would be nice to know what others have managed to get :) Thanks in advance, Daniel
-
Avoiding monthly interest
I was wondering... I have made purchases on a credit card that has 0% on balance transfers but not on purchases. To avoid the interest on purchases which is charged after 30 days, can I transfer a balance for the amount I used to make purchase to my bank account, and then transfer that amount back to a card? I know I will…
-
Lost old credit card details and want to cancel
Hi, I recently applied for my credit rating and report and found that there is an old credit card that I haven't used in about 4 years on there. I've read that it is best to actually cancel it, but have no details on the card number or anything. Does anyone know how best to find out the information so I can cancel it?…
-
Lloyds TSB...what can we do?
Hi all My boyfriend has a credit card with lloyds TSB. He's the first to admit hes not the most consciencious person in remembering to pay it every month, but hes usually fine as i remind him! I think hes had 2/3 late payments in the last 2 yrs or so. Anyway he moved in March, which he told the bank straight away. Got the…
-
The Best Credit Card - If paying off every month
Hi There, I am new to posting in these forums, but read them loads and really helpful! I am looking to get a credit card to use all month, whilst my wages sit in a high interest savings account - then pay off my card in full using my wages when the bill comes through. What is the best card to use for this? I have a card…
-
Subjet Access Request Refused by Barclaycard
Hi I recently wrote to Barclaycard requesting a Subject Access Request under the Data Protection Act and enclosed a cheque for £10.00. I wanted info from Jan 2000 until August 2004 when foolishly i paid the whole lot off (if only I knew then what I know know). I was told that all record prior to 2004 are stored on…
-
Another phone call from Mint.......
Hi All, today I received a phone call from Mint regarding my credit card account. Basically it would seem that in August they decided to put my interest rates up from 15.9 to 20.9% for purchases, and up to 28.9 for cash advances. They are offering to reduce my credit limit and also freeze the interest on the account until…
-
"Time at address" question on credit applications.
I was out with a friend on monday who was buying a new car (yes, it was him, and not about me). Basically, when it came to the finance agreement he was asked how long he has lived at his current address. His family moved there in 1987, so he said 13 years - which included time away at universitry and despite renting in…
-
Terms & Conditions
So you feel cheated by your credit card provider because you feel they didn't explain themselves properly with regard to Residule Interest / Default Charges etc... - only to be told by the bank that they are clearly stated in the Terms & Conditions. Your anger forces you to transfer the balance over to another CC provider.…
-
Credit card limit
Hi, I have never 'tarted' before and now wish to do it for a one off purchase of 15k. I am a homeowner on a decent wage with a couple of grand on a Goldfish card. I am conscious not to apply to too many cards at once so how on earth do I find out (without actually applying) which cards will give me the biggest credit…
-
Capital One Classic Credit Limit
Looking for a bit of help. I have had a Capital One Classic Card since April 2005. My credit limit is £200 and i also paid the £200 deposit. I have never missed a payment or been late with a payment. I have a direct debit setup to take the minimum payment from my bank account. I have a current balance of £23. I cannot get…
-
Skycard - REDUCED credit Limit. Anti-Stoozing ??
Hi All. About three months ago I was accepted for a skycard at 0% APR (BT and purchases) with a credit limit of £3500. Leaving me with two options: 1) Balance transfer indirectly to my bank account to earn interest at 4.5% for the length of the 0% deal. Incurring a balance transfer fee. 2) Spend on the card (also 0% on…
-
1.9% for 12 months no fee
I've got a card with Lloyds that was originally on a 0% for 9 months I've rung up to close the account and they've offered me 1.9% for 12 months with no fee, would it be worth it? The credit limit on the account is £5k. Thanks.
-
Mbna & 0%
I confess to being a complete credit card tart transfering my balances between 0% cards whilst earning interest on the money. One problem I have found when looking for a new card is that MBNA covers several different companies and if you happen to apply for one of these you are linked to the MBNA account you already have.…
-
Nice one MBNA.....one up on Egg LOL
In a very good mood today :j :j Hubby had some money stooging on his green Egg card which runs out it's 0% offer on 1st October. Had one of those stinking emails from Egg last week (like so many of you on here have, what are Egg playing at? trying to lose all their customers???) saying that his variable interest rate would…
-
How to get a credit rating?
I am trying to do the credit card shuffle, but am having trouble getting a credit rating. I am an Australian on an ancestory visa but have only been in the UK for 15 months. The credit rating companies are giving me grief because I haven't been here for 3 years. Does anyone know how to get around this? Thanks in advance,…
