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Nationwide Credit Card - Gambling considered as Cash Advance!!!
I just received a change of T & C for my Nationwide Credit Card. Here is something which surprises me : “cash advance” means obtaining cash, foreign currency ortravellers’ cheques, The maximum amount of cash advances is 50% of your credit limit. Here is the link to the changes:…
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Change from Visa to Mastercard by LLoydsTSB
Has anyone else received notification from LLoyds TSB that their Visa Credit Card is being changed from Visa to Mastercard without their knowledge or express permission.I received a letter saying that Lloyds TSB will change my VISA account to a Mastercard account within three weeks of receiving my letter.I have a Trustcard…
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UsingA Credit CArd to pay another credit card
If I was to use my M&S Credit Card to pay my Barclaycard bill would this be classed as a cash transaction and theresubject to cash interest? I am asking, as I am trying to use my M&S Card for my main spending in order to accumulate points. Thanks.:o
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Paid full balance online - but still billed for it!
I have a Barclaycard - had it for 26 years. Always pay off the balnce in full. I paid off the full balance last month (3 weeks before the due date). I received the next statement which doesnt show the payment I made - phoned them up, and they have no trace of it. Its not showing on my Debit Card statement either. Sadly, I…
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can somebody help me (maths genius preferebly)
Hello all, can someone help me work out my overall apr on a 33 grand credit card debt i have (approx, can't bear to work out final total) 2200 cap one at 3.9% life of balance 3400 mint 7.9% lob 10300 barclaycard 6.9% lob 4500 alliance and leicester 1.9% till january 1700 tesco 7.9% lob 2400 citi bank 0% till august 2008…
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MBNA provider of?
Can anyone tell me what cards MBNA provides for? I need to do a balance transfer from Barclaycard (£3500)/HSBC (£1500) to a 0% card but don't want to get stuck no being able to transfer from the same provider... Any help would be uch appreciated. R.
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Only a month in this job - does it matter?
Hi, just a quick question, I wonder if anyone can help? Basically, I want to apply for a new credit card, probably an &More card, so that I can transfer a balance from another card where the interest rate is really high. Thing is, I have recently started a new job after being made redundant from my previous job, and have…
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Virgin Credit Card
I was about to complete my application for a Virgin credit card when I noticed something in the terms & conditions. "2c We will charge the following handling fees. For all balance transfers and cheque transactions, 2.98% ...2d We will charge interest on handling fees" As I understand it this means that you will incurr…
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Help on Reducing Interest Rates
Hi, I recently posted my SOA on Debt-Free-Wannabe. My and my boyfriend's CC debt has taken over our lives and now all our interest rates are getting higher and higher. I wondered if anyone had experience / were successful on getting interest rates lowered without BT's - i.e. just by ringing them. We can't get any more…
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Cashback or Rewards with Debit Card ??
Does anyone know of any Debit Cards that offer cashback or any other rewards, airmiles, or other reward ? Thanks in advance, Daniel
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Cashback vs Loyalty/Credit Cards
I'm currently using an Amex Nectar card together with the Sainsbury Nectar card to get my fuel from Sainsbury @ approx £125/month. I'm getting the Nectar points off both cards, but I'm wondering if it's a better option to go for a cashback card to buy my fuel? PS I only use the Amex for fuel. Anyone already done the maths?…
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Fraud detection- what happens?
Barclaycard left an answerphone message for me today asking me to contact them with regards to fraud, and when I logged into my account a bunch of small individual transactions on the same day that I had nothing to do with did indeed appear, with a further bunch pending. I called them and they blocked my card and asked me…
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balance transfers questions?
i have 2 graduate accounts i need to pay off as the interest is really high now. is it best to get a 0% on balance transfers card and pay them off like that?
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I have 4 credit cards - how do I prioritise?
I currently have 4 credit cards. Here are the amounts on each and the interest rates and limits: Skycard £1000 0% until Jan 08 (limit £1000 - maxed out) Visa £500 1.9% until Oct 07 (limit £6000) Natwest £3340 0% until Jun 08 (limit £3340 - maxed out) P.Office £1720 0% until Jan 08 (limit £3100) I'm not the greatest person…
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When are new cards issued
Hi, can anyone advise me how close to the expiry date of a credit card a new card would be issued ?? thanks
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Transferring balances problem
Hey people Im very new to this forum and was wondering if you can help me. About a year ago I had 4 credit cards which I refinanced into a personal loan ontop of a personal loan i already had, clearing almost all cards with the exception of 1 that still has about £2k on it. Now I hadnt used any of these cards for years and…
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Wrong amount taken from Debit Card
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Huge Credit Card Debt, but a windfall coming - what do I do?
Hi, I'll start be saying... great site and wonderful advice! I've been in debt at various times in my life and this time it fells like I have a found a friend to tell me it's not the end of the world and give me get advice about what to do about it! Thank you! On to my dilema. I have been off work for 8 years with…
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Lloyds TSB offering 500 airmiles..is it worth it? and can i reapply yet?
i was using their card up until recently at 0%. it is now cancelled as it came to an end. i have a letter saying that i can get 500 airmiles. how much time should i allow to lapse before i reapply? is it worth it for the airmiles? thanks in advance.
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Cheque advance / free short term loan solution
Hello I am totally new to the world of credit cards and finance etc and would appreciate some advice. I have read a number of Martin's articles surrounding short term interest free loans and looked up a lot of stuff on the web. I am looking to borrow £1500 over 12 - 24 months-ish. For a free short term loan, Martin…
