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couple of balance transfer questions
i've got a balance of £10k on an interest free credit card coming to the end of 0% period so am going to be looking around for a new 0% interest deal to switch to. When I apply to the company should I tell them i have a balance to transfer to them? Or wait til its approved then switch the balance over to them? Wasnt sure…
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Credit Card Charges need help please ...
Hi my wife did had credit card and we paid all the moeny and closed the card in 2004 but they they have charged us some late charges so is it possible to claim it back while the card account is closed since 2004 any advise Thanks in advance
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help please
have credit card debts of about 10000 looking to switch to another card is it possible to switch this much to one card or can I go to a couple what would be the best cards to use.... Hope you can help Ajay:confused: :confused:
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Indian Call Centres
I work in a call centre in Norwich and we've just been told our jobs are moving to India. I'm so excited! I've always wanted to visit India and with the salary they pay me I'll be able to live like a Maharaja over there. Well done Aviva, keep up the good work. Charles Turner
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Self-employed - is this a problem?
I'd like to apply for a credit card with a better APR, but I'm a bit wary of doing it in case I run into a problem with proving my income. I'm basically a housewife, but I do some freelance work on a self-employed basis. Since I don't earn much I've always done my own tax returns, so I don't have any paperwork from an…
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Naming and Shaming MBNA/Virgin Credit Card
Hi Everyone Just wanted to name and shame MBNA. I have had a Virgin mastercard for nearly two years. In that time I have never missed a payment and have had one late payment (less than a week). They have reviewed my account and have increased my APR by 14% - bringing it up to 34% APR. I phoned to ask why and they said it's…
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Lloyds TSB credit card - default notice
Hi, I took out a morethan credit card a few years back, which at the time was run by accucard. Due to my own stupidity..i defaulted on the balance and entered a DMP. Then a few months back it appeared that morethan card had been sold to lloyds tsb...i only found this out as i got a credit card statement from them and…
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virgin credit card
Has anyone applied for a Virgin credit card lately and if so how long did it take to get a answer?
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Abbey - 5% cash back at supermarkets
I posted this earlier on the end of a 2 month old thread, but think it deserves it's own thread. On 3 September Abbey are relaunching their credit card with 5% cash back at supermarkets. This is restricted to the first £1000 spend, and only until end of Jan 2008. This offer will be open to new card holders, as well as…
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Credit Card Virgin - Please Help
Hi All, I've never had a credit card and can't seem to find an answer anywhere BUT... how can you find out how much you can get on a credit card? I'm debating of taking out a loan or using a credit card for £25k and thought I could avoid interest by swopping credit cards, etc. Thanks for looking
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Balance transfers
Right lets see if I can explain this so other people understand what I am trying to say!! With my 3 credit cadrs that have balances I don't get charged for transferring balances when it is not a 'special offer' now I am paying a PHENOMENAL amount of interest every month and although I am paying as much as I physically can…
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OMG how bad is this?!
Hi, Just had to post this as I am astounded by Lloyds tsb! My credit card bills arrived in the post today which is normal, but along with it I recieved 3 other people's statements!!:eek: It's lucky I am not some credit card thief who would steal these people's money! Do they want to make it easy for people to de-fraud…
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Cashback credit cards abroad
I recently had a Nationwide account whereby I was earning cash-back on all purchases including those abroad, this was particularly favorable since they don't have a Foreign currency conversion charge. However about a year ago they correct this and removed the cash-back abroad. Can anyone recommend a suitable cash-back card…
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Unauthorised transactions - credit card responses??
I've discovered an unauthorised transaction on my credit card. I've never used this company, don't have an account with them and haven't received any goods. This transaction has also pushed me above my credit limit. I phoned my credit card company to report it and quite frankly have been appalled by their response (or lack…
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Debts Moving Abroad?
I Have Got A Few Credit Cards With Debts On And A Personal Loan With My Bank,but Would Like To Move Abroad Next Year.does Anyone Know If Its Possible To Transfer Debts Over To Spanish Banks And Get Statements And Pay It Off From Over There? It Seems Alot Of Hassle To Have To Get Some One To Get My Mail Sent To Them In The…
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Is it possible to have 2 credit records?
I have a few credit cards and my main bank account in my full christian name "Nicholas" and a few credit cards, a loan and a current account in the name I use the most "Nick" When I applyed for my last credit card I used the name "Nicholas" and I got rejected, I applyed again using the name "Nick" and I got a automatic YES…
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Should I pay the balance off?
I wanted to transfer a small balance a few months ago, and A&L gave me a £8000 transfer into my bank account with a credit limit of £9000. I put the £8000 into a savings account and have added to it over the last couple of months, and when the 0% period finishes in a couple of months I should have enough to cover the…
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urgent suprise (my recent thread i cant find it sorry)
hi i posted a thread a few days ago about this £40,000 in my bank. well according to my bank theres no mistake and on my account statment it says, GMB getmintedbingo, according to them i wont the 40,000 pound and it's all myn to spend according to them. i went into the bank and they have told me to open a savings account…
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Barclays BT Cashback Offer
Rang BC today and asked again about the cashback and was informed its only on certain cards but they are looking at offering it on excisting accounts too ... Anyway while on the phone they also informed me of a new offer on BT's , No BT fee plus 5% cash back on the amount transfered with a life of balance of 6.9% So if you…
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Waiting Anxiously
After several years I have decided to get my head out of the sand and try and sort out my finances. I have not had a credit card for approx. 6 years due to a failed business venture round about that time. I have got copies of my credit report from both Experian & Equifax and they don't look to bad. Thing is, I want to take…
