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Should I bal transfer can you help?
Hello, I need to balance transfer in Dec this is my problem I have a dispute of £300 with an overseas transaction which is taking some time and will not be sorted in the next 2 weeks, do I balance transfer all of the money and hope that I get the £300 back from current credit card company or transfer my balance minus the…
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HELP: Is HSBC or CapitalOne 0%BT/Purch. the right cc for partner's debts transfer?
Hello, good evening! Can I please run something by you guys? *beg* My (formerly good) credit rating has been marred by wanting to consolidate my outstanding debt and being refused a personal loan two times in a short space of time. I have four accounts which are overdrawn/in debt: £384.65 HSBC Current Account (£500 agreed…
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Quick question!
Got a Skycard with £4,000 on it. Got a new credit card with £5,000 limit. Could I balance transfer say £4,500 from my Skycard?
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bt question
i recently applied and got a virgin cc and have transfered the balance of 3 cards. now the amounts are showing when i log into the virgin money as now being on my cc but when i check my other cc's the amounts are still showing on there as a debt rather than a credit :confused: im confused shouldnt these be showing as a…
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Hate HBOS
Halifax have just, at the worst time of year, reduced my credit card limit from £2,400 to £1,400 pounds!!! My balance was only £600...they said it was after a review of my personal situation with credit ref agencies! I have just checked all my files and they aint even searched them...What the hell are they on about??? I…
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egg card - how long does it take to get it?
hey guys, i applied for an egg card two weeks ago and got approved the same day. they sent me an email saying the card is on it's way. however, i haven't received it yet. should i be worried? i don't want it to have been nicked or anything. have you got an egg card and how long did it take to get yours? thanks muchly,…
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Credit Protection Gone Wrong!!
Last year I was made redundant and having always taken finance protection, decided to use it. I have an Abbey MBNA card which at the time the balance was about £15k. It took nearly 3 months for Abbey's assigned insurance company (St Andrews) to start paying, by which time the debit had increased dramatically. By this time,…
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credit card
hi i have been on 0% for quite a while, always transferring to new cards. What im wondering is if , when i cancel these cards (after the 0% option) can i reapply for them again at a later date. Also what is the best non mbna card for 0% balance transfers? many thanks
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"Expected Interest next month" Calculation
Hello Apologies if this has been answered before, but wondered if anyone could help I am creating my own spread sheet to work out the best way (apart from clearing most expensive debts first) to pay off my debts over the coming X months. In fact part of the reason I want to do the spread sheet is so that I can enter…
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Late charges for no late payment!
Hi! I'm new here, I've been reading the forums for ages but have got myself into such a blind rage I need to hear what others think. I have a Mastercard with Lloyds TSB (don't worry I'm changing today!) I have a bank account with Lloyds so just do transfers when it comes to paying my bills. I was issued with a bill on…
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John Lewis Partnership Card Customer Service
I was checking my JLP card transactions on line yesterday and I spotted a line that said I had a special 0% balance transfer offer until 30/6/07 with a fee of 3% but to a maximum of £50. Not only that, but they had doubled my credit limit. I had to have some of that to do a SBT via my Egg Money to my offset current…
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Reclaiming Interest (MBNA)
Hi Guys Just joined the site. My storey......I recently paid off a credit card with MBNA. Prior to this I was being charged interest for being over my Credit Card limit (whch is fair enough). SO i phoned MBNA and spoke to one of the Customer Service Assistants. She informed me the total I would need to pay off to cancel…
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does transfering balances on credit card application, help boost credit limits?
we are looking opening an enw credit card account with good intro offer. we want to get a good credit limit. our credit score is very high. does transferring the balances on application tend to boost the credit limit, or does it tend to have a detrimental effect? any one offer advice?
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bad credit but where do i go for a credit card
i am 20 year old and was silly with mobile phones ect where would be the best place for me too go for a credit card as no body will give me one
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Whats the swiftest method
What is the swiftest method of transferring money to a credit card. I will have a sum of money available on Tuesday in my bank account that I want to spend on Thursday on my credit card (don't ask - its complicated!). Is the quickest via phone call using debit card, or over the counter cash paid in using paying in slip. Or…
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Newbie Balance transfer question....
Hi all, Im trying to sort out my dads credit cards as he is paying interest on both of them, and im certain theres a way he doesnt have to! Right, he has a Mint credit card with about £700 on it. He also has an Egg card with about £2000 on it. So after reading A LOT of posts on this (very helpful) website trying to…
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Floor Limit
Hi, I’m a newbie to this site so I hope I'm not posting in the wrong place. I recently came across a problem which really annoyed me and I seek your advice. I was attempting to pay MBNA via their website a significant amount of money to reduce my Credit Card Balance. I had planned for some time to do this but because of a…
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Have I been conned - card application?
I applied for Sainsbury's In Store promotion for a 3.9% life of balance, balance transfer credit card. I waited several weeks - did not hear - so phoned them - they had no record of my application. The bloke assured me he had posted it.:confused: Thing is - he did not give me a copy of the Agreement that I signed. When I…
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Natwest 0% int.
Hi there. We have a Natwest platinum c/c which is on the standard interest rate with a zero balance and 5k limit. I notice that they have a 0% on purchases at the moment so was wondering if its worth asking them to give us the same deal or should we just move to another card. Cheers Steve
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Capital One credit card nightmare !
I have an arrangement with Capital One to pay £30 per month towards my credit card balance. This month however they have taken £33 instead with no explanation. Can they do this ? I can't afford the monthly payment that they require so this amount has been agreed with them. Thanks
