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timescales for reapplying to egg
Anybody know how many months you generally have to leave it having closed an egg card before you reapply.
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Confused about HSBC & Halifax rejection!
Hi, I was wondering if anyone could maybe shed some light on this (please!)...last week I applied for the in-branch HSBC credit card (0% purchases for 12 months). I didn't want to BT, just use it for a holiday coming up soon and was intending to pay it off within a couple of months. The lady who tried to open the account…
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Credit card via quidco
Has anyone ever applied for credit cards on quidco, just for the cash back quidco give you, and then cancel the card straight away? Was wondering if this was a good idea - or what the consequences would be (i.e bad credit, cashback refused)... Any advice would be welcome thanks
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Experian cannot verify me!
I'm a bit worried and not at all sure what to do and I wonder if anyone has had the same experience. We decided to remortgage our house as we want to consolidate our debts onto the mortgage. We had an appointment with our advisor last week who told us we can swap from Abbey to Nationwide. We are shared ownership and have…
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paying credit card with egg money
I recently opened an an &more life of balance credit card and transferred £4000 to egg money in order to pay off a car loan. The first payment on the credit card (£120 min.) is now due and I am wondering how to pay it. If I use the "transfer a balance" option in egg money admin. will this be classed as a "normal" payment…
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cleared as bad debt?
does anyone know if credit card companies clear "bad debts" after a certain amount of years?
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First Credit Card
Hello! I'm hoping someone can offer me some advice. I have read the 'newbie credit card' thread but I have another question. I am looking to get my first credit card as I will be spending 6 weeks abroad over the summer and I want it just in case of emergency. (I'm going to Africa to work in a remote town so it's not like…
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Balance Transfer Fees
Don't know if anyone knows the answer to this, but here goes.... With all the furore about bank charges levied on customers where the charge is way in excess of the cost of providing the service being deemed illegal, what is the position of a balance transfer fee charged by a credit card company? For example a 3% fee for a…
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For everything else ...
I bought 2 polo shirts for work in M&S, Bath today. I paid for them using my shiny new Morgan Stanley Platinum Mastercard. As the Chip & PIN system was doing its thing, the sales assistant asked if I'd considered a M&S &More card as the interest rate was only <whatever> percent. I replied that the interest rate wasn't…
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egg money cc... low credit limits?
Hi. I just applied for an egg money card and whilst I was accepted straight away (the card is on its way), they only gave me a credit limit of £500. Now, I realise this is to encourage you to top up the card and spend 'your' in credit money, but I don't want to operate the card like that if I can help it. Whilst its their…
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MBNA - problems paying online
Hi I am trying to pay a payment online to my mbna card. But everytime I try the page just say "Your payment is being processed... Do not click the refresh or back button as this transaction may be interrupted or terminated." I had to terminate it at first beacuse I was leaving work and trying again at home now and its…
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Dillema
A couple of months ago i used my visa card to pay for a holiday , the holiday company received payment within 2 days , but my bank account was never debited the money approx £4500 should i spend it or what?
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Morgan Stanley - ****S!
Just had a good conversation with a muppet called Duncan on their call centre. Got a bit deffensive when I suggested they'd scammed me out of my cash back bonus! £20 accumulated but not charged to my account as statement date is not till 2nd June and the charge kicks in on the 1st. How has everyone else handled it? I…
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Cancelling my MorgStan card, just to reapply?
I was thinking of cancelling my Morgan Stanley card, just to re apply... as they are now offering 3% cashback. I am going to be making a large spend in a few months time. Has anyone else tried this, and do you think I would have a problem 're-opening', if they see that I only recently cancelled my previous one?…
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Credit card limit - breached?
Hi I've just checked online banking to find that my credit card is reading -£508.37 with a remaining amount of "-". The limit is £500 because it's a Natwest student one. I've had it set up for the last 8 months where the amount comes out in full at the end of the month, but somehow i've gone over the limit. Basically, I…
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Credit Card Missed Payment Problem?
I recently missed a credit card payment, which was no fault of my own, some of my household mail was being delivered to a different address, Royal Mail have now corrected this, but I’ve got this missed payment registered on my Credit File. How do I go about correcting this? Who do I contact? Many Thanks
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To keep or cancel old credit cards?
I am aware that the advice goes to cancel old credit cards which are not used anymore because such accounts may lover a person’s credit rating – inactive cards show that the person in financially inactive and this is unfavourable to the lenders. Bottom Line Secrets website sates otherwise. Note that this is an American…
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Rejected for Tesco Clubcard
I am a rate tart. I have an amount of £2.5k which I have been moving from card to card over the past 18+months and it has been reducing as I make sure that I pay off at least £160 per month. Unfortunately due to a blimp with my online banking the last payment to my MBNA card didn't go through so I now have a late fee of…
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Egg Money Question
This morning sent one payment to my Egg Money account by Debit Card, accepted. It failed when I did the second payment:- Sorry, we cannot service your request at this time. Please call the service centre on 08451 233 233 quoting reference: EGG-GEN-000-0 : T-0 Anyone understands what is wrong? Thanks.
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Vcc
Is virtual credit card any good? CAn someone share their experience with me?
