-
Advice please
Hi, Firstly I would like to say that I've in the last few days owned up to myself, OH and the DFW's that I've made a real mess of mine and OH's joint finances. Having said that I think with a bit of careful planning and juggling we can beat this without having to do anything to drastic. Although we have quite a lot of debt…
-
Hidden features of the new Lloyds Airmiles card
There has been some discussion of this card but I think some of the features have been overlooked. I'm not saying they are any good, but it's best to be aware. First there is the balance transfer offer. If you transfer you will get 150 airmiles per £1,000 transferred. It is also 0% for 9 months which will help offset the…
-
need a credit card for a charity
Can anyone advise please? I manage a smallish charity and we need a credit card (I am sick of using mine - despite the tesco points) can anyone recommend a business credit card that will not hammer us in costs Thanks willow1812
-
Help with CC and credit rating/score
Hi, first time posting in here. I have approx.£20k on credit cards, amongst other debts. I need to seriously find some way of getting my cards onto either 1. one card with one rate or 2. a lower rate of interest. I got my credit report from CreditExpert.co.uk on the 30 day free trial, and everything looks ok, but you have…
-
Credit rating - end of my tether!!!
Ok, I am really struggling at this point to see what is going on. I currently have about £3300 on credit card with Barclaycard, took advantage of a 6 month Interest free deal, ending... well about now! I did a bit of housekeeping on my accounts a couple of months ago, cancelled my nationwide credit card (2k limit) and…
-
Outrageous Credit Card Charges
Just a quick thread to see if credit card companies are allowed to charge what I reckon are outrageous rates. Basically I took money out of my credit card account (£2400) and put it in my current account in a funds tranfer. They stung me with a 2% Cash Advance Fee and now theyre charging me approximately £32 PER DAY in…
-
Credit garuntee cards
My credit is not very good and am having difficulty in getting a contract phone. I have been told by a friend that I can get something called a credit garuntee card which I would use for a few months. He said that I would only use the card if I had the money to pay it off. So once the card is used pay it off the next day…
-
CC repayements - best strategy?
Hi Everyone, New here, so apologies if it was easier to find a similar thread than I found it! My parents are helping me out with a loan, as despite a great payment history, I've had 4 addresses in 3 years and I can get no credit. The loan is consolidation for lots of other debts. I'm going to pay off all of my credit…
-
scarily easy to get another card!
just been on the motley fool site to compare 0% cards, halifax have a 0% for 12 months for purchases and transfers so decided to apply, less than 5 minutes later and we are approved, no forms to fill in, nothing. I have just worked out that if we maxed out our cards, we could spend £50,000. that's ridiculous! all our cards…
-
Barclaycard stitched me up?
Hi I hope you can help, and this hasn't been asked before? (I have searched). Last September I took out a Barclaycard with the 0% interest deal for 12 month. Barclaycard wouldn't give me the limit I wanted, so I had to get a number of cards to repay my debts. In the meantime I have been snowballing. At the end of this…
-
pre paid cards
does anyone know or tried the prepaid mastercards?? im going abroad and wanted to know if its worth while as i hate haveing to look around for the correct atm for maestro/cirrus? thanks in advance
-
Confused newbie
Hi there, I am a little confused with my credit cards and hoped that someone here might be able to give me some advice. Basically I have 3 cards with balances on them, and 2 without: Egg £4166.65 Limit 4500 17.9% Mint £3320 Limit 4600 3.9% for 6 months IF £2700 Limit 3100 6.9% LOB Then I have Morgan Stanley (Limit 3400)…
-
Default
Please can someone explain the default thing to me. Does it automatically happen if you miss a payment or is it when you notify them you are having problems and are asking for a reduced payment agreement? Does that then automatically show on your credit file?:confused: Thanking you
-
credit card protection rip off
My wife was sent through the post around a year ago an invitation to apply for a barclaycard. Her application was successful and she took advantage of a 0% balance transfer offer (which has now been fully paid back leaving a balance of £0). A few months ago she received a phone call from barclays asking if she wanted to…
-
Help needed with Natwest Credit card Limit
hi there, i have a few questoins regarding Credit card Limit. i have a natwest classic card for nearly 3 years now. i only have £750 limit, which was increased from £450 6 months ago. In 3 years i have never missed a payment. I spend around 500£ each month on the card. For the last 1 year im paying the balance in full by…
-
Tesco Clubcard credit card - Could a student get one?
Hi I have a credit card and I want to swap to a card with 0% balance transfers. Tesco seems to be the best one as Egg doesn't seem popular on here. I know your only allowed about three credit searches a year so I dont want to waste one if I have no chance of getting the Tesco one. Have any students managed to get one…
-
Looking for a MasterCard with a low permanent APR
Hi I have a Barclaycard Simplicity Visa card which has a standard APR of 6.8% on purchases. I want to know is there any Mastercard which has a similar sort of standard APR rate? I ask this because whenever i go to North Africa (Libya) there are some retailers there which accept only Mastercard, not Visa and vice-versa.…
-
HSBC - 12 months 0% on purchases
HSBC have a special offer for branch and telephone applications only... Purchases: 12 months 0% Balance Transfers: 4.9% APR until Jan 31st 2012 2.5% uncapped BT fee Further details at http://www.thisismoney.co.uk/credit-and-loans/article.html?in_article_id=420023&in_page_id=9
-
Help identify this company on my CC bill
On my credity card, it says "DRP Swansea UK" and I was charged £38. Thanks beforehand guys for helping me on this one.
-
MBNA closing account madness
This more of a rant / question than any advice that i might have to offer. Having read Ms tip about conran mbna cash back card i signed up to the card. I started channeling every transaction through that card and having a lot of cash flow (but not much cash). I was making the cash flow work for me. So, then conran closed…
