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Trying to transfer
Hello, I hope you guys may be able to advise me on transferring cards. I have three cards, all (unfortunately) just about at capacity. However, I am now trying to rectify things and am avoiding using them, but I fear it’s all too little too late. I am not struggling to pay or anything like that but I want to try and…
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Credit Card Charges
Hi there, I'm John, a newbie to the site. I've just been charged £12 for having insufficient funds in my Lloyds account to cover a Lloyds Credit Card DD payment. What's fired me into action is that they've charged me £12 TWICE (eg £24!) :mad: . I'm told there is a Returned DD Charge, and also a Late Payment Charge, both at…
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Help, making sense of CC interest rates
My MBNA CC statement says my monthly interest rate is 1.2408%, 1.7366% for cash advances. Not sure if I've ever taken cash out, but quite possibly. If I divide the interest charged by the balance I get 1.522%. Thus, indicating I must have taken cash out in the past. Can anyone answer the following questions: 1) What…
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Virgin Card Interest Rate Increase :(
Hi there, I received a letter from Virgin this morning telling me that from my Sept statement date my interest rate for purchases, cc cheques and balance transfers will go up from 9.9% (promo offer) to 18.9%. When I first applied for the card my rate was the standard 15.9%. I am lucky that I currently have another promo…
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Credit Card with Best online protection/identity protection etc
Hi All I'm looking for a Credit Card that I can use solely for online purchases, with the best online protection included as standard - identity protection also a nice to have feature. I'll be settling the balance each month so interest rate not really an issue .... does such a thing exist? It would be nice also to be able…
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Full And Final Settlement Figure - Dml Success - Sort Of!
I have posted this topic at the end of another but thought it might be a good idea to also post it as a new thread - I would very much appreciate any assistance anyone can give. My wife and I have been negotiating with all of our creditors over the last 9 months as we were uable to sustain min payments on our cards. Most…
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Full And Final Settlement Figure - Dml Success - Sort Of!
I have posted this topic at the end of another but thought it might be a good idea to also post it as a new thread - I would very much appreciate any assistance anyone can give. My wife and I haev have been negotiating with all of our creditors over the last 9 months as we were uable to sustain min payments on our cards.…
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Settlement Figures on Cards?????
I have just received some family money and am looking to pay off all my cards. The problem i have is that i am a few thousand short but want them all paid off. Is there anyway CC companies will accept a lower settlement figure without going through defaults etc?
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GE Money card withdrawn
Today a received notification the the 3% cashback deal will come to an end in November, has anyone heard about any new cashback deals that are worth considering
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0% on purchaces, what to do
OK i am going to need to stick a few things on a cc over the next 2 or so months but i really dont want to be paying interest on it as it is gonna be hard enough to pay off as it is. So my question... I currently have a egg cc but the 0% ran out ages ago, i also have a lloyds tsb duo card with no 0%. Now what is my best…
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0% credit card for bank overdraft?
Is it possible to transfer an overdraft (it's about £800) to a 0% credit card? Or does it have to be card to card? Also would it be worth it with tranfser fees? Currently paying about £4 a month interest (which isn't nice but not extortionate) and paying it off bit by bit when i can (mostly monthly) Any help greatfully…
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GE Money Everyday Card
Just had a letter today regarding GE Money Everyday Card - they are discontinuing all the 'everyday' accounts as from November 14th 07. Any cashback, if you have no outstanding balance, will be paid by cheque. Such a shame, I've had loads of cashback from doing my petrol/food shopping on this card :( For any queries, they…
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Unauthorised credit card transaction abroad?
Two years ago I was in Mexico where I hired a car which was then stolen and wrecked. The car rental company said that I was liable to pay for the total cost of the car, which is wrong, but because I had signed one of those vouchers, which you have to sign when renting a car, they put through a transaction of £4,500 which…
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can anyone please advice??
I am not too got with credit cards especially balance transferring etc. A month ago I wanted £500 in my account, I rang my credit card company natwest, as I saw on their website that you can transfer cash in to any UK bank account free of charge above £250. their customer service told me that it will cost you £100 for…
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Mint Credit Card
delete please
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Electron Card Problem
I have just tried to book 6 different flight for family members going to visit relatives abroad and noticed that BMI Baby charge you for each transaction when you use a credit/debit card, but an electron card is free to use? How can I get an electron card to beat these charges? I am currently a Lloydstsb Gold Debit Card…
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Help!!
Hi, my apologies if this particular subject has already been addressed, but I haven't been here for a year :o / If anyone can offer any advice, I would be truly grateful. In a nutshell; I've had a debt I've shifted around on various credit cards for a while, and despite best intentions, cannot clear. I've never had a…
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Alliance & Leicester increase minimum payment
Has anyone else had a letter from Alliance & Leicester (MBNA) increasing the minimum payment? I have £3500 outstanding and the minimum payment is 2.25% or something so I paid £78 last month, but this letter today states: "You must pay whichever is the least of 5% of the balance, or the balance on the statement if this is…
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Honeymoon ruined by CC (Not overspending)
Four line summary: Bank gave us wrong information, meaning we had no money or funds for a big part of our honeymoon. Customer service was outstandingly terrible (negligent even) and we ended up paying £300 in phone bills plus having to pay charges for every transaction made. What should we do? Long Version: Hi all, I…
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What Credit Cards??
My current situation with CC;s is i have two that have had for 3-4years with the BOS. Both have had no balance for 6months(though i have been slow in making payments in the past). ...Anyway, the APR on them in high, want rid of them, but want a new one/'s as i will need to use them, or at least have the option to over the…
