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Credit cards

Archives for March 2007

Fuel Cards
Are these of any benefit to the normal bod? Just looking at this site and they reckon they have a weekly petrol price that is garanteed no matter what the fourcourt price is? http://www.fuelcardsonline.co.uk/fixed_price.asp
C/Card claim letter wording
Hi all, Got the sample letters for bank charges off this site but can't find a sample letter for a Credit Card company - 1/ any such letter on this site? 2/ any special wording or wording changes? Any help as sending letters off this w/end Thanks 2 all who can help
Goldfish Credit card Points
Some years ago I was finished from my employer due to ill health and got behind with payments on my Goldfish c/card. The debt was passed to a debt collection agency but before they took any action, I cleared the balance. My question is - I did not recover my points from this card which stood at several thousand, can I…
MBNA-try to lower BT fee
I successfully aplied for an MBNA card through quidco, and have been givem a generous credit limit. The 0% is for a year so I thought well worth slapping 6k in ISA's for me and the Mrs, they were going to charge me the full 2.5% fee, but being a cheejy chap I said I would only do it if they knocked it down to 2%, he said…
Balance Transfer via cash in bank a/c
I did this a while ago and paid off my loan with a 0% credit card by transferring the money into my current account first (NOT withdrawing the cash!!!) Are there any cards about now, with a low life of balance rate or 0% for X months that will let you do this? Many thanks Catt xx
Which Credit Card to get for one transaction on low current income?
Hi guys, I'm going on holiday to Croatia this summer with my girlfriend. We want to hire a car, and to do so you pretty much have to have a credit card. This will be my first credit card and I only expect to use it once. I'm currently working part-time and have recently been turned down for another card (American…
Good credit, turned down for a card
Hi there, I need to tart myself out a bit to give me some time to pay off my credit card debt. I currently owe around £2000 on my cards - I transfered as much as possible onto one of my cards which has a 4.9%apr for life of balance - so does the other card, but the balance started there and my 0% is running out and now…
Applied for Egg Money - Got Fraud letter
Hi, Earlier this week I applied online for an Egg Money card to start my stoozing. However today I recieved a letter from Egg regarding my applictaion from there Financial Crime Unit saying "we have recieved information which suggests that your name and address have been used by another person to impersonate you". "If you…
Barclaycard - Low Rate catch...
Just something to watch out for if you're going for the low rate Barclaycard! I got one just before Christmas and made the first payment online. It stated that I could only pay minimum payments or payments up to £100 online until 90 days after I first used my debit card. Fair enough... Although last month it only gave me…
what to go for?
i have been reading around on here for a couple of weeks and wondering what to do. i want something that i can spend on now and again but i will pay off in full at the end of the month. doing this paying off at the end of the month does this mean i pay no interest and could earn via rewards? if so whats the best offer at…
Egg raises interest rates again
I have just received a letter from Egg this morning telling me that as of April 9th, their interest rate with rise by another 3% to 24.9%. This represents a rise of 9% in as many months. I have been paying off card balances as fast as I can, but still having a substantial balance with Egg means that they have me -- and I…
MBNA to pay off a loan?
Hi I have a loan with natwest which has 3 yrs left to run, I have found out that is I settle now I will knock 1k off the loan. My MBNA account has a credit limit big enough to move the loan over to it with intrset free until Jan when I could then tart the remainding balance. I figure that all in all I could knock a total…
MSP Card Application
How long do these usually take? I applied on or about 7 March - well, thats the date of the acknowledgement e-mail I received, stating, "If your application is approved, you can look forward to receiving your new Morgan Stanley Card through the post in the very near future. Otherwise, we will be in touch shortly." OTOH, it…
If I'm in credit on my Egg Card....??
If I am in credit on an Egg card will I get charged to transfer my money into a bank account? I called Egg about this and they told me that I won't get charged - but on MSE.com it says Egg charge 2.5% to shift positive credit onto a bank account. I'm confused! Can anyone advise?
A&L Card
Hi, I have looked at A&L Card application:- https://wwwa.applyonlinenow.com/UKCCapp/Ctl/entry?sc=7aalghp_ost&mc=AAL-RS-52142-52615 Now on the application it is showing 2 card - A&L Standard & Platinuim. I have looked at the website but cannot find any information relating to the platinuim card. Has anyone got this card and…
Abbey existing customer 0%PA purchases surprise
Received a letter today that my existing Abbey credit card has been applied with a 0%PA on all purchases until October 2007 (statement date). Talk about a win for existing customers! New customers only get 3 months 0%PA on purchases.
Nat West Mastercard extortion?
My oh paid her nat west mastercard in full in february, unfortunately, due to holiday it arrived with nat west 1 day late. She was charged £12 charges plus £18.49 interest, just for one day!! The following month was paid in full, nine days early and charged £4.27 interest. When she called the 0870 number, they told her…
Egg Money Cashback Gambling Sites
Do you get cashback for making deposits on gambling sites?
Advice needed on one of Martin's Egg Card Tips!
Hi there. I'm completely new to this whole money saving thing and I'm totally addicted! I've just followed Martin's advice on turning a high interest loan into a M&S low interest rate credit debt, by using an Egg card as an intermediary. I have completed step one, so my debt of £2000 is showing on my M&S card, but the…
Best card for use in the USA
Hello, Going to america for a month in the summer, was wondering if anyone can recommend a credit card. As I presume this is the best way to spend over there??? Would preferably like one with free cash withdraws and a good exchange rate, I plan on paying it off immediately on return so interest rates are not really a…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Credit cards

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