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NatWest CC Dynamic Currency Conversion Fee
Hi, I don't know if anyone else has realise this yet but when I received my NatWest CC statement today it contained a leaflet called "notice of variation". I noticed on the leaflet the following charges: "For transactions in foreign currencies - 2.75%" "For transactions outside the UK (including internet or home shopping…
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Barclaycard are robbing B******S
I recently cleared my barclaycard and then put the £5000 back on so I could get the 6.9% apr for life. In january I was late paying by about two days which was my mistake but I paid the late payment charge etc. I received my statement yesterday and because I paid late ONCE, my rate shoots back up to 16.9 %. I rang and…
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Egg Credit Card Over Limit Charge
-yes i should read my statements however!!.... whatever happened to a card being declined when you were shopping as you had reached your limit. without any contact to me whatsoever egg have been charging me £16 per month since october last year for being over my limit. they state this is of course in their terms and…
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Balance Transfer With Poor Credit Rating
I'm looking at transfering a balance of 4500 from a virginmoney mastercard onto another card, I think I have a poor credit rating due to me living in my overdraft. Can anyone advise me the best way to go? I have applied and failed to get a tesco card and a abbey card. I do have an egg card and capital one card with no…
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Citibank Plat - 9mth £75 max bal. transfers
Having trawled the latest offers - non MBNA, this looks a good bet if the credit limit is decent, anyone have one of their cards, and is your credit limit similar to your other cards or worse. any other cards better
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charge for past statements to reclaim charges????
I have all my moneys with Halifax, ie; debit card, credit card, car insurance etc, today i phoned up and asked for my last 6 years statements on my current account which cost me £5, i then rung up my credit card for my last 6 years statements and they said it would be £100:mad: is that right??:confused:
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Ebay puchase with Halifax Visa Debit Card - Won't pay out!
Hi I just want some clarification from some users please. I purchased an item on Ebay which was sold to me "NEW" (the advert said this). However, on close inspection of the item I purchased, I found out it was either second hand, returned or ex-demo. The purchase was for a motorised in-car screen. I have informed the…
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Cash withdrawals on a credit card
Hi all, I foolishly withdrew some money from a cashpoint on a GEMoney credit card as I don't yet have the new PIN for my debit card. Two questions as I shredded all of my smallprint and can't find this info on the web: 1. How much am I likely to get charged for cash withdrawals? 2. I have already made some interest free…
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Things to do when you're bored and like spreadsheets...
Ok so I've just decided to take Morgan Stanley up on their long term, low interest balance transfer offer, the offer sounds excellent, just 1% fee and you only pay 3.9%apr on your balance for that term...(when it reverts to 15.9% I think - correct me if I'm wrong) EDIT - The 3.9% offer lasts for 40 months So I'm…
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Would keeping a 'good relationship' alive but inactive benefit me?
Hello. After applying for a bunch of credit cards yesterday and being accepted for nearly all of them, I was thinking of closing down my Natwest Student Mastercard and current account. I thought that leaving cards active that I wasn't actually going to use would be detrimental to getting new credit, especially as it has a…
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M&S Card how many BT's
Hi All; Glad to say my M&S card arrived this morning with a suprising £6.5K limit.:j Can anyone tell me how many BT's are allowed in the 6 month (3.9%) intro period, 1 large one or many smaller ones upto the card limit (if needed) or is there no limit to the number of BT's at all. Cheers Dave.
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Spam problem.
I recently ordered my credit score online with experian. During the application for this I had to put my email address. Since then I,ve been bombarded with spam mail. I'm very careful who I give my email to and cannot see anywhere else the problem came, apart from experian. Has anyone else had this or similar annoying…
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Transferring Partners balances
Hi. I am looking to transfer my balance on to my partners credit card he is looking to apply for a new 0% card. can anyone tell me who does, i did read that MINT did this but cant find anything on their website? many thanks
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Egg underwriting/solutions Team telephone number
Does anyone have a direct number for theunderwriting/solutions Team @ egg?
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M&S &More Card
Last week I was accepted for the M&S &More Card, the agreement arrived in the post this morning. There is no mention of any credit limit, but it states in the T&C's 'Charge for Credit' being £276.88. I have looked up the chart that was posted on the site sometime ago, and that states that my credit limit should be…
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any advise on Usable Credit Cards for People almost out of debt?
Good Morning to you all, Firstly I would just like to Thanks everyone involved on this site for all the helpful advice its given me over the last 12months. :T In short I have managed to reduce my debt down to £1.3k which is currenly sitting on my egg card. My question then relates to this: I want to be able to transfer…
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Egg credit card - availability of site?
I have tried to log on to my egg credit card today and the site is down. It was also down last week when I tried once and on average has been down once a week in the month I have had the card. Is it generally as regular an occurence as this? I have had a goldfish card before and seldom had these downtime problems.
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CC refund on frozen account....
Are there any hard and fast rules about cc refunds? Can u have a refund on a card that u didn't buy the goods with? I bought a car part last week from a Peugeot garage, but when the mechanic came to fit it, it was the wrong one, so I'm taking it back tomorrow to get a refund.... The trouble is, the cc I bought it with has…
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Egg Short Notice Rate Increase!
Just had a letter from Egg today saying that the 'treat customers as individuals' and are 'personalising my interest rate'. I only have a £1000 limit on this card and have no balance on it. They are increasing the rate from 16.9% to 21.9% from the 21st MARCH, yes that is just 9 days time. The letter also says that 'As a…
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M&S Money credit card
Just wanted to point out that they charge interest by the day on balance transfers. I must have missed it when I skimmed over the small print, so I'm in a situation where I have to pay 91p so I can finally cancel the card despite paying off the balance in full before the payment date :rolleyes:.
