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Credit cards

Archives for May 2007

help and guidence
Hi all My first post Is there a credit card out there that you only pay interest on what you owe. i owed £1500 and payed off within the time £1400 is there a card that i would only pay interest on the £100 difference rather than on full months money £1500. pls help as i just got a shock.
Splitting BT on application
Applied for RBS to transfer a balance, filled in online the one card i wanted to BT. However the approved Limit at the end was lower than I'd request on the transfer..:o Phoned up to ask 'what happens now', to be told I'd get a letter saying they couldn't do the transfer, and I'd have to wait till i phsically have the card…
WOODLAND TRUST £20 donation
This email has come to me from the woodland trust, basically for anyone that opens an account they get a £20 donation, the email is in full less my details. If this email doesn't open properly view it online at http://m.fw-reply.com/www/2zb7VS/A3NQ4h/B6i07T/W6dauZ/index.htm Carry bluebells with you all year round with the…
Card changed to MBNA
Hi My Macmillan credit card has been changed to MBNA. I've tried to speak to someone without success. Question is - I have booked an F1 for an overnight stay in France using the Macmillan card. When arriving you need the card you booked with to access your room. Does anyone know if this will cause a problem or will the new…
% interest reverted back to interest help
I recently transfered a balance from one credit card to another(with % interest for a year) however month 2 I paid one day late because I thought the direct debet would kick in. They are now saying my % has been withdrawn and I must pay interest on the balance.anyone with any ideas please
Monument
OH and I both had letters today saying our Monument cards were being changed to Barclaycard Platinum. My letter said it was a upgrade, OH's just said changed (although they lowered his interest rate as well (still higher than mine though). Just wondered if this had happened to anyone else and if Barclaycard were dropping…
Capital One
I had a Capital One card with a £250 limit. Recently I paid this off and having decided to get out of debt completly I decided to cancell the card. Now after being the subject of identity theft once before I wrote to them requesting that my account be cancelled and that I want written confirmation that this has been done.…
Newbie Charge Reclaim Question
Hi All. Is the procedure for claiming back penalty charges on a CC account the same as for banks? I've done a few searches on here but couldn't turn anything up. Are there letter templates available? Many thanks. Keith.
Sameday applications CRA checks ?
I'm looking to apply for both the Natwest 13mth 0% online, and HSBC 12mth 0% purchases telephone only - would the first search show up on Experian straight away, and therefore effect the 2nd application ? re the start date for these deals, are they from application or activation ?
paid by credit card - goods not turned up!!
Hi sorry if this is the wrong place. I purchased an item of the internet from https://www.wayof-life.co.uk and paid by credit card eleven days later and i have still not received it? i have e mailed them and had no reply i phoned them earlier in the week and was told they would look into it and get back to me nothing as…
Purchase or balance transfer?
Dear all, Sorry if this is a no-brainer but I'd appreciate some advice. I bought a £1,600 television on a 12-month interest free credit deal in December last year. On expiry of this deal this December, the debt automatically gets rolled into a 36-month repayment scheme with extortionate interest rates. I'm confident of…
VERY Basic help needed balance transfer...
Hi there, I have 2 credit cards at the minute.. Natwest = £450 and my Nationwide = £650. So all in all I have £1100 in credit card fee's.. (not to mention a 600 overdraft!) I'm looking for a new card to transfer the two card balances to, as I'm paying quite high interest per month..(I haven't done this before) I've heard…
Cancelling A Card
I'm trying to improve my credit rating by following some of the tips on this site. I started by trying to cancel my Egg credit card account. They said that they could not do this as there is still a balance on the card. Has anyone come across this before? I guess this means that you can only cancel a card with no…
Egg credit card - massive hike in interest rates - BEWARE
Just wanted to warn anyone with an EGG credit card - I see they are mentioned quite alot on this site. They have recently hiked my husbands interest rate from 16.9% (which is very high anyway) to 21.9%. When I queried this they told me it was as 'a result of the way we manage the card' whatever this means! The card held…
Chip and signature-has anyone got one
After some fradulent acitity I have chopped up my cards and an trying to find somone who will let me have a chip and sig.So far no luck.Has anyone who is not disabled managed it?
Quick question re Bank of Scotland
Applied for the 0% for 12 months and returned signed paperwork. Haven't heard anything back and it's nearly 2 weeks. Is this usual? Have kept the application ref number. Is there a number to call to check they've received signed forms? TIA.
Any UK issued USD$ Credit Cards Out there?
Hello. Might be a stupid question, but I have a timeshare in Florida and am next due to go next April. Not a fan of travellers cheques and have already bought some $cash (enough cash) but prefer to use a credit card when travelling. I am therefore looking for a British issued credit card in USD$ currency that I can load at…
credit card nightmare
ive got a yorkshire bank credit card, ive had it for years. ive never deliberately missed a payment, however i may have continued to pay the same monthly payment without realising they had put it up. therefore allowing them to charge me ridiculous amounts for being a small amount under the repayment needed. I cantg beleive…
Credit Card application
Hi, just wondering, how long does an credit card application usually take? I applied for a Morgan Stanley card 2 weeks ago and have not heard anything from them since. Do they really need to take this long to decide if they want to give me a credit card?
Credit Card For Emergency Cash When Abroad
I'm going away in August and although I should have all the funds I need to cover my expenses I would also like some security for emrgency expenditure etc. I have a Nationwide Flex Account debit card with a £100 od which I will be using to withdraw cash (I will only be withdrawing cash, not purchases). I am planning to…

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Credit cards

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