-
Best use of MBNA points
Hi, I have around 10,000 MBNA points I would like to use and would appreciate some recommendations about what to use them on? I have scanned the catalogue (online) and haven't seen much that takes my fancy other than perhaps ordering some wine. Are there any ways to maximise the use of those? I don't intend to earn any…
-
Multiple cards, no balance
Over time, I have amassed quite a wealth of cards / overdrafts with varying rates of interest. This was to take advantage of offers at the time and I have just not cancelled the cards / closed the accounts. The credit cards are almost always paid in full and one overdraft is sometimes taken advantage of for short periods…
-
Help needed -1st Post
Hi, I need to raise 10k in a short timeframe, ( I will pay this off in 6 months when i sell a property ) Is it possible to ;- Use a credit card on 0% to transfer 10k into a bank account and then just pay a very small amount each month? ie around the £5-10 pcm?? I think the card has to be a MBNA affilitated one , but how…
-
balance transfer from egg money
Hi, i've recently paid off my overdraft with my new egg money card to reduce the monthly charge. Does anyone know if i can now balance transfer onto a 0% card so as not to pay any interest charge?
-
credit/debit balance swap
Hi, just a quick question for all you savvy folk out there. I have a £2000 credit card debt which is coming up to the end of its interest free period at 19.9%, I have been advised to switch my current account to a moneyback current account and get a £2000 overdraft on this account. I am planning on using this overdraft to…
-
Order of payments - purchases vs balance transfers
Ok bit confused reading the small print of my latest Halifax credit card terms and conditions - I have quite a good deal 0% on new purchases for 14 months and 0% on balance transfers for 6 months - both of which i will use!! I have written a letter asking them to confirm their policy - wondered if you guys had an opinion.…
-
Well done Egg!
I reported a missing card on Tuesday the replacement was already here tonight when I arrived home from a business trip, that's saved me messing around this weekend.:j
-
High Credit Limit Recomendation
Which card usually give high credit limit. I have got Asda and barclays card and both of them have 500 limit.:eek: its really annoying. Please share with us what card you are able to get with good credit limit. I am earning 25k a year and living on same address from 4 years and i am on electrol.
-
Upgrading an Amex?
I currently have a Blue and Red Amex, both with reasonable to good credit limits. I have been with American Express since the beginning of 2005. Since I applied for the Amex, my salary has increased considerably, as has the households income as a whole. My credit score with Experian at the last check was 999/1000. I would…
-
Credit card rut how do I get out?
Help? I have an outstanding balance of £11K on a Virgin credit card. I am repaying at £200 a month but £140 is interest. I can't get another card with such a high limit and if I spread it over 2 or 3 interest free cards I won't be able to meet the mininmum repayments. I am new to this site but it is very important for me…
-
Can Mint do this???
I have just spoken to Mint today to find out why they have charged interest on purchases when all I did was take out a balance transfer. They've told me that it is the interest from the 3% handling fee they have charged for the BT and put it under the description of purchases. I questioned why I couldn't pay off my…
-
Applying Online
I made an Online application to Barclaycard on Sunday, I received no confirmation email (I was expecting this). Is this normal? How long do they take to give you the yes or no? Grateful for any advice.
-
Need a bit of advice please
Hi I wonder if anyone has any advice they could give me that i could pass over to my better half tonight. Situation is, he has a credit card with the Halifax, his limit is £6,800 and his current balance is £6,674. Having received his statement this morning (hasnt spent anything on it for a while now as was upto his limit…
-
Visa Debit 'V' Visa Credit Card Question
Hi, I have a Visa Debit for my current account (from Alliance & Leicester). I used this to make an online purchase back in September from a company of whom (a) I haven't received my order (b) don't bother to answer any of my emails (c) don't answer the phone or return my voicemail messages. I'm just wondering if the visa…
-
Credit Card Data Protection Addresses
Great work by people here getting money back from CC Providers. I am just going to start this now, I have had about 10 in the past 6 years, so should be fun. Can you help. Has anyone got the address I need to post the 1st letter to for Morgan Stanley, these seem to be connected to Goldfish? Anyone any idea's on how to get…
-
Not enough to pay off my cards
We have managed to borrow (off family, who are'nt asking for the money back) 7200 to pay off our debt, unfortunatly this isnt quite enough, we owe 10K is there anything we can do to pay off this other debt, loans etc are out of the question we already have a bad credit rating as we have missed loads of payments. Hopefully…
-
Egg Money - Credit Card Newbie!!
I've never had a credit card before, but want to because of peace of mind about liability and cashback. So i'm going to go for the Egg Money Account. Now i need to make sure i've got this straight: I can put a positive balance onto this card? I earn interest on this balance? Anything i pay for on the card, i will recieve…
-
Can't transfer a balance from American Express to Mint
Hi I've just signed up to a Mint credit card to take advantage of their 0% deal, I had balances i wanted to transfer on a Barclaycard and an American Express Nectar Card. The Barclaycard balance transfer has gone through fine, however Mint are now telling me that they can't transfer the balance from the Amex card. I've…
-
Best reward cards, need some recs.
I'd like to know more about the absolute best reward cards out there. Not cashback, but rather reward points / reward miles / etc. They can be Amex, Visa, MCard etc. They can have annual fees. Criteria (earnings etc) aren't important. Interest rate isn't important. FWIW I'll be using the one I choose for large USD($)…
-
Barclaycard credit limit increase
I have today logged on to my BC online and find they have increased my credit taking up to £4,200 from £2,700. My original limit was £3,700 but asked for it to be decreased. The reason being I have a bt of 2.9% for life of transfer and knew I would not use the card. I also have a BC Mastercard with limit of £5,500 and…
