-
Capital One, new version of the 4% cashback card
https://www.capitalone.co.uk/web/raid/templates/formdual_temp_10_001.jsp?page_id=10400&context_id=2&step=1&product_id=2308 New take on the 4% cashback for the 1st 3 months card. Now called Cashback with world mastercard-basically same as previous 4% cashback card, but with the added benefit of free travel insurance for the…
-
What's the point?
I just received a link to this article on Motley Fool http://www.fool.co.uk/news/your-money/credit-cards/2007/08/23/how-to-dodge-the-balance-transfer-fee.aspx?source=ioowfeml0040016 Here's a snippet: ' Running some quick figures, I see that for a basic-rate taxpayer who has a decent savings account (so, receiving about 6%…
-
Balance transfer fee (stupid) question
Apologies if I'm being thick, I've never had to do a BT before. Transferring a HSBC card to Tesco Plat. MC on behalf of my bf (he's the second cardholder on the tesco account and the HSBC card is his so that's fine). Tesco are doing a deal for 0% for a year and a 2% fee, my question is, .... when they apply the charge to…
-
paying of a loan with credit card.
I have a current barclayloan for i belive £14500, im paying £332 over 60 months. This adds up to £19920 over the 5 year period. I have 20 months of payments left on the loan. I have no original paperwork for the loan and dont know what APR i was given on the loan. Any buffs out there what can work out the APR would be…
-
2 people, various CC's - can we shift balances to reduce APR?
Hi all, apologies if this has been covered before but I can't find anything so I'll go ahead and ask: I have just got married and am trying to make a start on sorting our finances out. I and my new wife have 2 credit cards each. All 4 cards have large balances on them. We both have 1 CC from our respective banks that we…
-
how much do visa and mastercard make?
i just wondered how visa and mastercard make their money. do banks pay them an amount per customer for using the cards, or do they take an amount of the interest that customers pay? i assume that they do make lots of money - mastercard advertising that you can win holidays suggests that! not really a 'money saving'…
-
Bizzarre credit card problem - don't ever confess to cashflow problems!
RANT ALERT I've just had the weirdest conversation with Egg... I have both Egg Money and Egg Card, have been a solid customer for a few years... this Spring / Summer I was asked to relocate for work, and had trouble pushing through the sale of my flat which meant I ended up paying new rent whilst still paying the old…
-
Does credit card tarting affect your credit report?
Can someone please give me advice? I'm wanting to transfer money from my existing credit card to another that has 0% on transfers and purchases (I've noticed a couple out there, notably Halifax One) and would again like to do this after the term runs out. In other words, I want to tart!! However, I have been told that…
-
New to Credit Cards
Hi, I've just received my first credit card which has a limit of £260. I need the card as im going on holiday and wish to hire a car for 2 weeks (all car rentals require credit, not debit cards) this amount will not get me very far!! Can I put more money onto my credit card, ie £1000 so my credit limit becomes £1260. Is…
-
Charged commission using Nationwide credit card
Apologies if this subject has been posted before - I'm new to the site and couldn't see any similar topics being discussed. For many years now, I've taken my Nationwide credit and debit cards on holiday with us so that we don't get charged commission. I've also drummed it into my husband's head that if he ever gets asked…
-
Should I just pay the interest?
Please help! I'm new to this...am looking for some advice. I have a credit card which has been 0% for a year and I have hacked away at it until it is now at £1700. My 0% deal is up and I asked if they would extend it but no joy. So I'm looking to transfer it to another company at 0%. Should I pay the 2% balance transfer…
-
Egg money - apply as student or as employed?
I'm applying for Egg Money, and I started working over the summer at the beginning of July..... I'm also a student. Do I have a better chance of being accepted if I put myself down as a student, or as working, with a start date of July?
-
M and S credit card Farce!
I applyed for the M+S credit card on martins recomendation for a life of balance transfer. I got an email asking me to call then regarding my application. Then said that they had phoned the business number of the company i work for and i was (in their words) 'unavailable to take a phone call' I told them thats because im a…
-
pay credit card with a credit card
I recently payed £800 too much in my sainsbury credit card and would like to take it out to pay for another credit card, do you know if I will be charged for doing this?:confused:
-
PLS Help Me Stoozing Correctly
hi guys Need a bit of advise on stoozing.......... I managed to get tesco credit card for 12 months at 0 %, now i want to move two things on it 1. I have a grad loan £620 (7.5%)which i want to pay using my bank's hsbc credit card and then transfer it onto the tesco one. 2. I have a hamilton loan £1801 (7.8%), which i want…
-
Credit Card unauthorised Payment.
Please be aware that if you have paid for insurance or breakdown cover with your credit card the company will take the next years payment automatically if you dont cancel it with the credit card company. I had a credit card from LLoyds TSB and cancelled it 12months ago. My Pet insurance became due and I went to another…
-
Bought a car on my credit card from Dixons
Unfortunately I was unlucky enough to buy a used car from a Dixons Citroen garage just over a week before they went into administration. I am not 100% happy with the car, for a few reasons: I've been told that the 3 months statutory warranty and the 12 months additional warranty I was given are now invalid. I only agreed…
-
credit card reclaims?
Hi Im trying to find out if you can still apply to be reimbursed with credit card fees incurred either by missing payment dates or going over credit limit IF the credit card account (namely Barclaycard) has been closed down for consolidation purposes?:confused:
-
need advice regarding credit cards???
hi ppl, This has probably been covered but here goes I have never owned a credit card before so basically can i join up with nectar, make one small purchase lets say in sainsburys for £2.55, pay the amount on time and cop 5000 nectar points in the process, & in theory cut the card into pieces never to be seen again. I know…
-
Debt Free 2007/08
If you are constantly stressed and having difficulties with payments on unsecured/secured credit we can offer FREE advice using our in-house Ethical system. We can provide you with the best solution available for your current circumstances whether it be a loan, remortgage, secured loan or alternative arrangements. See what…
