-
Credit card repayment calculator
Hi fellow Moneysavers, Can anybody here point me towards a really good credit repayment calculator please? For the last few years, I've been chopping & changing 0% credit cards every 9/12 months, but obviously being hit with a balance transfer-fee each time. I've figured (I think!) that it may actually be more beneficial…
-
Who's Liable
HI, Here is the story. My now ex was in a bit of financial trouble so I offered to put one of her CC debts onto my CC. Now we have seperated who is liable for the debt. I have a horrible feeling that I am lumbered with it..
-
Unable to transfer balance
I have been looking into transferring my LLoyds cc balance (£2500) to a 0% interest card. The problem is even though equifax say I have a good credit rating I keep being turned down. I do not work and rely on disability benefits, my o/h does but his wages are really low (£895 per month). We got into a lot of trouble in the…
-
Monument card - please advise.
Good morning all, I need a bit of advice about this card. The card has stopped for about 2-3 years my credit limit was £250 but due to charges an all I am now owing about £780. I have reuested for the the statements and made a claim for £552.00 and a further interest of £109.05. I got a letter back from them which…
-
Sonycard - 11000 Pulsebeat Points ???
Hi Opened one of these cards in August and used it to make one payment for my car insurance, then payed the balance in full. Had all the info saying i am entitled to 11000 points but i cannot see them anywhere on my statement since they are not visible online/or sending them me them via letter since i have not used card…
-
How best to clear CC debt?
My daughter foolishly married a spendthrift with a bad credit record. As he couldn't get credit, he persuaded her to take out a credit card, with him as second card holder. He then (surprise, surprise) ran up a load of debt on the card. When she began divorce proceedings (not because of the debts), he moved out for unknown…
-
please help
i am not looking for sympathy just some help, basically my credit raiting has been brill. I moved in with my sister and we rented a house all in my name, she ran up 19 thousand worth of debt, whilst living there i applied for a virgin card still have it with 1500. This is provided by mbma, I have applied for card after…
-
Morgan Stanley Platinum card Credit Limit Review
I have just had a bad experiance with my card. I tried to use it over the week-end and the transaction was refused. I had only about £400 to be paid off by the next payment date. I always pay the full amount by payment date. I phoned the help line and was told my limit had been REDUCED from £4500 to £500. A letter arrived…
-
Credit Card Limit
I am 55 retired with a pension of 20K and own a house valued at 350K. I have never had a credit card in my life but am now toying with the idea of stoozing. I know stoozing is covered on a sub - board but I want to ask you guys what you think I might be offered as a credit limit on CC's and up to how much would they put a…
-
Capital One CashBack Credit Card Advice please
:hello: everyone I would really appreciate a little bit of advice/guidance. I wrote this on the CC page but i would love to hear more peoples' views please. I currently have a Halifax cc which is always paid paid off in full each month. I am a little concerned though as over the previous 12 months we have spent 24k on our…
-
& More card - second LOB balance transfer?
Has anyone had any luck getting another LOB balance transfer from &More recently? I've had my card for 7 months (3.9% LOB rate) and they've just increased my credit limit, giving me a spare £3500. I rang Customer Services but got the standard 'no, there's no BT offer available for you at the moment' line so I've emailed…
-
Credit Card Cloned
Having just had my card cloned :mad:, (most likely when buying petrol at a supermarket) I have a few queires... Firstly how could it of happened? But mainly... does this effect my credit rating? and I was told that I am not liable however is this the case for all cards, credit and debit? Anything else I should worry about…
-
Egg credit card customers and the cashback deal with Waterstones.com and others
Hello It seems that Egg have struck up quite a few deals for their Credit Card customers, so if you're one of them it's best to be aware of what you could be getting out of your shopping!! Waterstones.com Egg offer page For those of you that have an Egg card - what are they like? I've never used Egg, though I've heard good…
-
Capital One - computer problems
Hi, This morning Capital One had a computer system problem and their system was declining to process refunds. Jo
-
minimum payments systems
have recently discovered 6 x £12 charges for late payment of direct debit levied on my wifes Barclaycard account although payments were made on due date. Barclaycard say charges were because D.D amount was not same as minimum payment on statement. Always thought D.D. payments were auto adjusted as min. payment fluctuated.…
-
credit card interest rates
i am over the limit on my credit card and get get under due to the excessive interest ppi and late payment which together total 100 pounds and the interest is adding on to the debt every month..its now up to 4400...the limit was 4000 and ive paid hundreds trying to get it down but it keeps going up Can someone tell me why…
-
0% Balance Transfers
Hi - apologies if this has been asked before, but can I just clarify something please. If you B/T an amount from one card to another with say an interest free period of 12 months, but don't use the card for anything else, would I be correct in assuming that you don't have to pay anything until the 12 month deadline and…
-
Increasing Credit Limit
Hi I've recently applied for a credit card with 0% interest to transfer the balance from another card charging a high interest rate. The problem is that the balance I need to transfer is £3,200 and Nationwide have offered me a limit of £2,500. I know I could keep the other card going until it is paid off but I would prefer…
-
Argos Storecard
I applied for an Argos storecard to take advantage of the Buy Now - Pay 9mths later offer on a large purchase, which I fully intend to clear after 9mths so not bothered about their interest rates, but I didn't get an instant decision online and they said they would contact me in a few days following further checks. Has…
-
Barclaycard 3% cashback existing customers.
I have just rung Barclaycard to cancel my card and was put through to customer retention advisor. I said that I was looking to cancel all my cards that had no remaining benefit - i.e 0% interest free etc. They firstly offered me low rate balance transfer but I said that I had no other balances. They then offered me 3%…
