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citibank signup.. transfer amt versus unknown credit limit?
Hello savers! :j When I sign up for citi' card, I see that form asking if I'd like to transfer money from other cards. Correct me if I'm wrong but... If you dont know what your credit limit is going to be, then how can you know how much to transfer from other cards when you join up? If I exceeded the limit they were…
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Clear Cards with High Interest Savings?
Id be grateful if someone could please help with this! We have a total of £6900 on 6 credit cards, 3 on short term 0% and the other 3 on fixed low interest rates, highest about 4.5% (all as a result of following this site!) paying back approx £250 per month. In addition to this we've saved approx. £5k which is in ICICI at…
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Credit Card: Stupid Newbie Question
I promise I'm not being intentionally lazy, as I've been looking around on the forum, but have become confused. I currently have a card on which I have a £1400 balance. The rate is a stupid 20.95% per annum (0.052% per day). The interest this month is approx £21.29. I am a bit ashamed by this. I've done pretty well as I've…
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0% on purchases
Can someone confirm I'm reading the credit agreement correctly please: So am I right in thinking if I buy something I have 59 days to repay it or I'll get charged interest ? So I can't really buy things, repay the min amount each month with the intention of repaying the full balance just before the 0% period ends?…
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Improving credit rating
Hi all I successfully got a Vanquis card and used it wisely so that I could up my credit rating (as advised on this site) That worked for me..so a year on, I've got a Barclaycard with less apr etc (not that I pay any coz I pay the bill in full the day i get it!) My question is this: Will I seem more credit worthy by…
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Egg Money Site down??
Just read Martin's 'Stoozing' article. Went to EggMoney, to apply for card and the site is down....Is this a conspiracy or am I just paranoid. Maybe they gets his tips too. Should I try tomorrow?
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Credit Cards finally ZERO'd !!!!
Time for celebration - hubbie is posting the last cheque to pay off the balance of the last credit card! :T Next to actually start saving money, instead of spending it - ISA here we come! After a wee drink of celebration, of course :beer:
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Goodbye Credit Cards
Wow we and the mrs just sat down and realised we have over £7500 worth of credit card debt on over 8 cards. So we have just taken out a 5 year loan on 13.9% apr and will be cutting up every credit card bill and hope to be debt free in 5 years :money:
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Sentinel Card Protection
I have a query about Sentinel Card Protection. Sentinel have 'upgraded' all their current account holders to 'Sentinel Gold'. This policy offers a host of new covers, but at a massive £10 extra per year (From £20 to £30). At first glance, the extra cover looks fairly impressive until you realise that most of the cover is…
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Paying Hm Customs & Excise With Credit Card
Sorry to clog the board up with this one but have used the search facility and can't find the thread anywhere! I'm sure I read somewhere on MSE Martin advising that you can pay your income tax bill on a credit card, (would have been a great stooze!) but my accountant says HMRC won't accept them. Can anyone confirm this…
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Channel Island options for Credit Cards
I am interested in doing a balance transfer from my husbands barclay card to another credit card. I live in Guernsey in the Channel Islands and wonder what good credit cards I would be eligible for?
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Credit Card Insurance
Does Any One Know If Marks And Spencer Credit Card Has Atomaic Insurance Cover On Items Purchased Using The Card. I Had Some Stuff Stolen And It Bought On The Marks & More Credit Card. Any Ideas? Can I Claim? Thanks
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Re: Credit Card Insurance
Hi are purchases made on an Marks & Spencer credit card insured? I had some items stolen which were only 28 days old at the time of the theft so i was wondering if they would cover it.
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help what should i do?
mod please delete this post
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Credit card for 1st time in 15 yrs: best card?
I haven't had a credit card in my own name for 15 yrs (no bad credit, just decided I didn't want one anymore). However, I'm going to need one for a new job (expenses). My OH has several CC's and owes around £10,000 out of max combined credit limits of approx. £55,000 :eek: (and I am a 2nd cardholder on these). When I…
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Egg Money Under-hand %APR Allocation tactic.
I recently applied for egg money mastercard on Egg's website and was accepted. However, looking through the credit agreement I could only see the 4%APR quoted for their positive balance interest rate, and not the applicable %APR interest for negative balance. Further emails to Egg on this came back with a bland "the…
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Egg Money Under-hand %apr Allocation.
I recently applied for egg money mastercard on Egg's website and was accepted. However, looking through the credit agreement I could only see the 4%APR quoted for their positive balance interest rate, and not the applicable %APR interest for negative balance. Further emails to Egg on this came back with a bland "the…
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What's the rule for when to make another application after being declined?
I want to do a plastic loan. I applied for and got the Egg Money card, with a £3k limit, and I applied for and was declined an HSBC card. My credit report is good, and it shows at least two checks from Egg and one from HSBC. I also have a Barclays loan for about £4k that I want to refinance with the plastic loan, and I…
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Cancel payment protection
I have a Virgin credit card with £5,500 owing. I am paying over £40 per month for payment protection and want to cancel it so the £40 will be coming off my balance instead. Can I just ask them to cancel the payment protection straightaway? Will they let me do this? Should I write to them or phone them? Any help would be…
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Egg Money vs. Overdraft
Hi all, I have an overdraft of £400 with my bank account. My 1 years free period is now up but I don't really want to switch bank accounts. They are charging me £5 a month for the overdraft facility now. I have applied for and been accepted by Egg Money. They have given me a limit sufficient enough to pay off my overdraft.…
