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To tell or not to tell?
I would appreciate some advice please. The situation is that I have been diagnosed with a serious illness which has resulted in my now having an income consisting of benefits. My question is do I tell the credit card company LTSB or do I keep silent in case they panic and try to get increased payments out of me? I am…
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Advice Needed Please
Hi I have been paying insurance on my credit card which I don't need as I am a stay at home mum. When I rang my cc company (Lloyds) to ask if I could have the insurance removed the girl I spoke to told me I would have to get in touch with the insurance company. When I asked her for the phone number she told me she doesn't…
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Nationwide Credit Card Customer Services.
Does anyone have the postal address for the Nationwide Credit Card Customer Services Dept?
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once upon a time you could get 0% on balance transfer and purchases!!
HI Once upon a time you could get 0% on balance transfer and purchases. Has this fairy tale come to an end or are there still companies out there who offer both on the same card? I've seen ones who offer this service but its for a very limited period of time (maybe 3 months) are there any others offering better terms??…
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credit card payment method help needed
decided to take the bull by the horns and pay off my creditcard £7200 ive been paying the minimum now at £140 pcm. the bank have ok'd a loan over 5 years which will cost me an extra £2000 at approx £200 per month however on my wage i could feasibly increase my credit card payment upto £250 per month if this would cost me…
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free borrowing!?!
Hello, Had a phone call earlier this evening from MBNA asking me if i have any balance transfers as they are doing a special 0% promotion to existing customers blah blah blah, then they also mentioned that it also extends to money transfers upto 95% of my credit limit on the card....subject to a handling charge of 3% of…
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Would appreciate help - First Credit Card
Hi, I just need a bit of clarification as this is my first credit card. I got the credit card to build up a rating and I intend to fully repay the outstanding at the end of every month. I notice in my terms & conditions (it is a Barclaycard Flexi) that they offer 0% Interest for 10 months from account opening. Basically…
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Urgently help needed
Hello i need serious help from you guys... My first ever bank account was opened in june 2006 with abbey and now with Lloyds tsb and i got a barclays card since then and now one more credit card. I have never been with Natwest as they are ringing me that i have got credit card which i used back in 2003 and 2004, which…
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Should I bother doing a balance transfer?
Hi, I currently have a &More card with £750 on it, 0% period ends in mid December (just got the 6 week reminder). Im currently pushing in £50 per week to pay it off, by end of December I should have £500 paid off leaving £250 to pay. Possibly more as I am also selling things on ebay to put toward paying the card off. Im…
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Virgin Atlantic MBNA Amex card charges typical APR from day one. What does this mean?
Q&A on their website reads: On purchases and cash transactions made with your card, you’ll be charged the typical APR from day one. APR stands for Annual Percentage Rate, basically the amount of interest you’ll be charged on your borrowing over a year. What does this mean? If I pay the card in full every month, I assume I…
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5p OFF SHELL PETROL credit card deal
Shell petrol stations are offering a credit card via their web site which offers 5p off per litre of fuel for 60 days. If I pay up when the demand comes through and throw away the card after 60 days this seems a good deal. Any comments? P.S. My local Shell matches Tesco for price.
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Business Credit Cards
Hi folks, wondering if someone can help. I have a business acct with NWest & they originally offered a Euro credit card that I could use whilst in mainland Europe. I have a Sterling creditcard & I work in UK but spend much time across in Europe. They now claim this isn't possible & I can have a cheque book as an…
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0% puchaces and a BT......?
Ive got 0% on purchases for 3 months and 0% on BTs for 12 months..... Iv made a few purchases and now i wish to sort out my BT....... Should i pay off the purchases in full before the BT.... OR... If i just leave the purchases on the account.....will the purchases still remain at 0% as they were made within the 3 months 0%…
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Handleing fee for BT..?
Im about to do a BT with a 2.5% handleing fee......... Im told i can only BT 90% of my available limit....... My question is....is the 2.5% handleing fee included in my 90% i wish to BT....or is it added onto the 90% i wish to BT............................:confused: Thankyou...........
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Best Credit Card for £2000
I need about £2000 to pay off a few things and would be looking to pay it back over a year-I don't think I can get a loan. Which credit card would be best for this , with a low percent rate and maybe also a 0% on all purchases for a few months.
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Do Credit Cards ALWAYS withdraw promotional offers for late payments?
.....to cut a long sory short...I paid my Tesco CC on its due date and expect to be charged a late payment fee (it states to allow 4 days for processing). Im worried as I have a life of balance tranfer offer with them that they will now withdraw. I know its my fault...but do they always follow through with this or will…
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Credit Card for a person with no history
A relative has recently moved back to this country from abroad after 15 years and has recently opened a bank account. He is in regular employment, currently paid in cash (though on the books I might add) He would like to get a credit card for on-line shopping but his bank has refused this. Apart from getting his salary…
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Halifax credit card - underhand dealings
Hi all I don't know if anyone can help or has had a similar experience to me. I took out a Halifax credit card in April with 0% on purchases and balance transfers until April 08. I received my statement on Saturday and noticed that I had been charged interest. I thought it must have been a mistake but when I called they…
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credit rating details
Hi, I have an account in a bank and the banker asked me to get a credit card, I have decided to get a credit card, but I have heard some thing about credit rating and credit scoring, I want known that what is known as credit rating and credit scoring and for what purpose the bankers use credit rating and scoring, Can…
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Balance Transfer
If i do balance transfer , is that mean my account will be close with the previous lender. Lets say i have [SIZE=-1]£[/SIZE]1000 in debts on barclay card and i want to transfer this balance on virgin so when i will do that my barclay account would be closed or would it be still active without paying any interest ? is that…
