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Poor Credit Rating but want to balance transfer !!
Can anyone help...... I currently have about £5000 on credt cards and just paying the minimum each month on all and therefore paying lots of interest. I had a CCJ about 5 years ago and a default about 4 years ago. However in the last few years never missed any payments. Does anyone have any suggestions of a company who…
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Ulster Bank 0% Balance Transfers
Has anybody succesfully opended/tried to apply for one of these recently. I've e-mailed them via the website from link from MSE a few times now and have not received an app form ?
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Credit card advice please
Does anyone know who is more likey to give the higher credit limit from Nationwide, Barclaycard or Virgin ? I'm looking to spend on my honeymoon as well as BT around £4k. I have been a Nationwide Flex account holder for about 4 years too. Also, having previously held a Virgin credit card, how long is it before I would be…
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Signing credit agreement
Apologies if this has been answered before, I've scanned the posts but can't spot if it has. On the form you sign for a new credit card there is the following section: 'This is a Credit Agreement regulated by the Consumer Credit Act 1974. Sign it only if you wish to be legally bound by its terms'. What exactly does this…
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online banking problems - are there any rules/guidelines
im having real problems with the online banking facility of my tesco credit card. they are extremely slow to update transactions, which is making it very hard to manage the account. are there any rules or guidelines as to how soon after a transaction (in working days) it should be updated? i understand there can be delays…
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problems transferring balance to barclaycard
Hi, just after some friendly advice, wondered if anybody had the same problem as I did. I just rang barclaycard to transfer £2900 approx. to my platinum card which I've had around 18mths. I recently transferred the balance of the barclaycard (£6200) to M&S under their 3.9% transfer offer, so my card is in credit by 3p.…
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Halifax One Card - Cashback Points?
I've noticed I'm working up a few cashback points on my credit card... What do these actually do/mean?! :confused:
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credit history
does anyone know about the payment history of credit cards on your crdit report, i recenlty closed down a credit card account and have noticed that the card and its history are no longer showng on the report, i thought they stayed on there for 6 years? do companioes searching credit history see the same thing?????:confused:
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What to do with an 'old' card?
Hi All What should I do with a credit card I will no longer be using? I have applied for a Morgan Stanley cashback card. Just phoned customer services and they say my application has been accepted and I will receive a credit agreement to sign. So thats all good! So I will no longer be using my capital one card as it offers…
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Information required
Good Morning all, how are we all? Just a quick question. I am 2/3 credit cards with capital one, citi, aqua all with highish interest rates. I cannot obtain a CC with a o% balance transfer. I am wondering what are rules on doing a balance transfer to my Wifes credit cards from mine. We do not have a joint card so it will…
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0% Balance Transfer on Overdrafts??
Hi just wondering if it's possible to do a 0% transfer from my current account overdraft to a credit card and if so which cards allow this? thanks Pocketmoney1
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capital one upped my already high apr!
my partner has a capitalone card, nil balance but has used the card for over 2 years , limit 1800, apr currently 29.9% recieved a letter today saying from may the new apr will be 34.9% ?????? he gets punished for paying it off??:mad:
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Transferring Balance from Virgin to M&S
Hi, I have just got the paper work through from M&S for their credit card, I dont' want to spend it on I just want to transfer my balance from Virgin. IN the credit card agreement info it says: The Total Charge for credit £369.18 is based on the assumption that you spend your credit limit (or in some cases a assumed credit…
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Credit card debts of about £9,000...
we are looking at getting a new mortgage but as this rate could be up to 6.4% approximately i think borrowing money for this coudl be a bit high. we are looking at selling our house and buying another one so i thought with some fo the equity from the house we are selling i would pay off the cards. Until then i thought it…
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Other card types
Dear All, I found myself in such a financial mess in years gone by, I've just about reached the light at the end of the tunnel (after using a DM firm called Churchwood Financial - RIPOFF , and the last few years payplan " :A SAVIOURS"). Now the possible extra money coming back to me would be out of this world. I'm in the…
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loan to card problem
Hi, I'm trying to transfer my £5.500 Barclays loan(14.5% -ouch) on to MS card. Got MS card with good limit but been refused Egg. I guess due to my husband who has debt with them. Didn't mention him in the application. MBNA would be the same case. What other credit card can I use instead to transfer my loan. Had enough of…
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Cash Loophole on credit cards
Hi there, Question: I have £6500 to spend on my halifax credit card, which I have had for 2 yrs. (They have just increased APR to 20% by the way!). I was wondering if there are any loopholes I can use to get my hands on all of that money interest free. One idea I did have was to transfer all that amount to a betting…
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Poor credit history but new job requires card.
Hi all, I am looking for some help sourcing a credit card. I have a very poor credit rating and have set up agreements through Pay Plan to clear off my existing debts on credit cards. I also have arrears on my mortgage but they are being paid off monthly also by agreement. I have just changed my job and require a credit…
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I want a Credit Card for travel
Hi all, Me and the OH are off to Vegas in April, and as we are buying a house at the mo too - thought it might be a good idea to get a credit card which charges 0% interest, whacking hotels and spends on there so we can pay it off a little each month over the next few months. I have currently only got 1 credit card with…
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Credit Card advice needed pls.
Hello, I am hoping someone can help me with this. I have 2 credit cards at the moment, i did only want one and tried to transfer a balance from one to the other but they only let me transfer £3000 and so I still have £1200 on my other card and I don't really want two cards so is it best and is there anywhere i can transfer…
