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can anyone help?
Hi i just wanted to know if anyone can help with our situation, We have a credit card with a £5000 limit (as my partner used to work full time) it is up to the limit and we want to do a balance transfer to 0%, however my partner now only works part time so no company will give us a £5000 limit to transfer to, does anyone…
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Credit agencies & addresses
Hi everyone, I am trying to get my credit reports from the three credit agencies quoted in Martin's Article on Credit rating (Experian, Equifax & Callcredit). http://www.moneysavingexpert.com/cgi...01485056,23650 I will be using the templates in Martin's article as well, including a £2 cheque (can this be cash as well?).…
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Morgan Stanley Card - Loophole
AT LAST! I have had my £20 annual fee on my classic Morgan Stanley card waived! After two attempts to get the bankers :mad: to waive the fee (included one heated argument in which the customer advisor was adamant I would be charged) I appear to have won the battle - in a 30 second phone call! I did it because of fraudulent…
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Card Fraud - Latest On-Line Scam
Used this website? www.instant-av.co.uk [DONT] Police are investigating what could turn out to be a massive scam, which has drained thousands of pounds from people's bank and credit card accounts. Story here: UK shoppers lose thousands in latest online scam Check your statements!. Comment: One wonders why Visa / MasterCard…
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same bank digital payments
Hi there I have my bank account with the RBS and my credit card also. Therefore it seems a bit extreme that they specify 4 working days are required to process my digital banking payment, as they have my money already and it is purely an electronic transaction. I also presume that RBS milks the interest on the money in the…
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Egg Money any deals before I apply?
Hi Just started a party plan business. Want to get a card for spending pay the company with it and keep my bank account for banking cash and paying. so I know whats mine to spend (less tax NI etc) etc. Is this still the best deal, can't take an amex. don;t want to change after a year. So I should get £200 a year cash back…
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Want a Visa card (not Mastercard) that I can view online
Title says it all really. Already have a Mastercard but would like a Visa card and preferably one that I can view transactions online. Any suggestions for who offers this?
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Problem transfering balance
Hi everyone! Been looking over this forum for a while now and think it's great... keep up the good work everyone! Now i have a problem and i need some advice. I have a citi card with a low BT rate for the life of balance and thought i would transfer my Barclay card balance and my edge card balance (not cc, kinda like a…
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Fraud, please help!
Hope this is in the right place and that someone can offer advise. My uncles wife (seperated, he has had to move out) has obtained an egg card by filling in his details on line (without permision). she then ran up a significant bill without him knowing. He has just found out by the debt company contacting him where he is…
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using UK credit card in Europe ?
will be off on hols soon and wondered if it's worthwhile paying money into my Post Office CC, so it's in credit, so I can use it to make Euro cash withdrawals from ATMs as interest is charged immediately on cash withdrawals ? thanks
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Tarting and my new card isn't ready for the transfer!!
Hi, I have a £2200 on an amazon credit card with the 0% deal running out on 21/5 (6 days away and 6 months since the card was issued). I applied for 2 credit cards over a month ago (both with 0% on transfers with no fee) but after chasing them again today they are saying its going to be around 7-14 days before I get the…
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Paying off credit cards
Hi there I have been lurking for ages but this is me just dipping my toe so please be gentle I have looked to see if this has been asked before and wasn't able to find it so apologies if I have just missed it. I have a few credit cards that have various balances on I have just had a significant pay rise and want to put the…
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Tesco ClubCard CC Interest Free Period
I recently took out a Tesco Club Card Credit Card and have just got off the phone after enquiring about setting up a Direct Debit to settle in full every month. Before getting off the phone I told them where to stick their card! Their credit free period is supposed to be 46 days but, I was told, they will collect the DD 6…
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Reduce credit card interest rates
Hi, my brother has a debt of about £2,600 on his existing HSBC VISA card. Just wondering if it is worth getting him to call HSBC to try and reduce the interest rates. He has been using this card for 5 years now. Any advise is deeply appreciated. Danny.
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Halifax- an unwielding monolith
When they (Halifax) gave me a reminder of my 0% rate offer, just days before it was due to expire, I wrote to ask if they were being careless or devious. Their response was to send me some cheques at 21.95%, with a 3% fee. Some time later I asked about balance transfer rates and was quoted 17.9%, and given an invitation to…
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Can someone explain 0% purchases to me?
Ive recently applied for the Halifax 0% on purchases for 12 months. When i was reading the terms and conditions i didnt quite get something...havent got the piece of paper handy :rolleyes: but i am correct in thinking that if a buy something in month 1 and just continue to pay off the minimum amount each month then i wont…
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Lloyds TSB credit card
Does Lloyds TSB credit card help you improve your credit score? Because it doesn't show on the credit report, unless you have make a late payment.
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Morgan Stanley 3.9% BT card.
Anybody got this one yet ? What are they like for limits/acceptance rates.
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Anyone know about “footprints”?
In receiving my Mint credit card statement the other day there was a £12 over limit fee. This had been triggered because I did indeed go over limit by £22 for 3 days so I rang the Bank who promptly refunded the £12.00 (“as a gesture of goodwill”) but when I queried whether this would affect my credit rating the reply was…
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Some Lending Advice Please
Hi Ladies & Gent's I'm a newbie to the forum, but am no JCL to the newsletters which are always great. I could do with some advice from you good people. My current situation is that I am going away to Australia to travel in September and am leaving my current job. What I would like to know is would a credit card/loan or…
