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No Balance Transfer Option
Hi, I have a maxed-out CapitalOne card with £2,800 owing. The interest is extortionate and I can only just pay slighty above the required monthly payments. I've already tried applying for a Visa card with a lower interests from my own bank , but was refused. I'm assuming I'm not credit-worthy enough to obtain another card…
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just done my first balance transfer......(help with 'handling charge')
hi guys, i have just done my first balance transfer to my new barclay card (0% for 14 months) i moved £2,166 i understand there is a 2.5% charge to do this.... A. how much will this 2.5% charge cost me based on these figures? B. does this charge just get 'added' to the £2,166 or will i be charged interest on the 2.5%?…
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Anyone had their Cap 1 cashback card cancelled?
Hi all, I've had a situation recently and I was wondering if I'm being a little cynical. I had the cashback card from Capital One and was paying off the full balance every month. About a week before Christmas I had a call from Cap 1 saying the security of my account was "at risk". They checked through all the transactions…
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Halifax 0% offer for 12 months
Hope this will help someone. I have just been accepted for a Halifax card at 0% on balance transfers for 12 months. Fee is 3%. There is also 0% on purchases for 5 months but to quote Martin will never never never use it for this. I got the offer by direct mail but applied online using rpoints which offers 400 points for a…
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Settled
Yay my cra py cap1 classic is listed as settled on experian! :j yay!
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Credit Card Reorganisation
Evening fellow moneyhiders I've been gradually sorting out my finances over the past few months. Went a bit mad after uni and racked up about 6k's worth of debt. I've just about go this down to nothing (Just cashed in 2.5k's worth of my premium bonds savings to clear it off) Now I currently have (once my cleared payments…
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Barclaycard Platinum 2% cashback with Shell?
hi, this card offers 2% cash back on fuel and supermarkets, but does it have to be supermarket fuel? or can i earn 2% cashback from shell? :confused: :beer:
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Quick CC question - Help REALLY appreciated!
I have just switched a Visa Bill from Yorkshire Bank and a Loan from Nationwide onto a Virgin CC at 2.9% balance transfer and 0% for 15 months. The total is £2800 which I am to pay off gradually, however, does anyone know the minimum payments per month? Also, I have just been hit with a £3000 completion fee (see my thread…
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Credit card with CIFAS warning
Hi, has anybody had a cifas warning on their credit file and still obtained a credit card either instant decision or after answering more questions? Thanks
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Moving house and CRA's
Hello, Iv recently moved on the 2nd January, iv changed my addresses with the bank, cards, phones etc and iv sent the form off to the electoral section of the local council so my name should appear when its updated this month. How long roughly do you think it will be before my rating gets back to normal? 3 Months, 6…
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please help me i have been declined
Really depressed i have today applied for Virgin 0% balance transfer and have phoned tonight to be told i have been declined. I am a single mum left a very bad relationship, my debt built up during last year as numerous things went wrong with my car, (which i need as my childrens school is too far to walk i am desperately…
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My credit card situation - help required!
Hello to you all. I have hit a dead end in relation to my credit card situation (probably due to the credit crunch) and not sure what my next step should be? My current credit card situation is as follows: HSBC – owe £4,800 (Credit limit £5,000) APR 15.9% Barclaycard – owe £2,500 (Credit limit £2,600) APR 14.9% Bank of…
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Capital 1 cheques
hi everyone... please can you help...... we have some old cap 1 cheques that are fee free... which we were using to pay in large chunks to the mortgage each month... saving about £ 70 a month in interest... however they have just written saying that they are" changing their systems " and the fee free cheques will now…
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Can I pay off my overdraft with my credit card without having to pay interest?
Is there anyway that I can transfer my bank overdraft onto a credit card and pay 0%? Apparently this is classed asa money transfer as oppose to a balance transfer and the rate is very high. Any help would be appreciated! Thanks
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Credit card fraud - report or not?
Hi all. this isn't credit card fraud in the classic sense of the word. I used my own credit card to buy some goods on-line but it turned out it was a fraudulent company and hence the goods never turned up and the company in question never responded to weeks of contact.attempt. I'm just wondering where i stand with this. Is…
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Credit card insurance
Hi I have just discoverd my wife is paying insurance on her Halifac cc. This is quite a chunk each month. She does not remember asking for this and doesnt know when it started. If the Halifax cannot provide us of details as to when she asked for this can we claim a refund? Thanks for any help. Felix
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CC Interest on Gambling deposits
Stupidly, as I've been informed by MBNA previously, I used my CC to deposit into a new bookies account online. Anyway, I checked my statement as was charged £3 for each time I did it- 3 times at £5 each deposit. So as well as paying this £9 in fees, it looks like I will be charged interest too. I think my standard rate is…
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card charges(egg)claiming
pc newbie hear i have a credit card with egg and ive had it for some years. I have only just noticed that im paying credit card payment protection on this can i claim charges back for this. Need to make this simple for me as im not the best a such things thanksfor any help u may have
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Fraud on my Barclaycard
Hi Money Saving Experts On Saturday I noticed that there are 2 transactions for the same day on my credit card that I did not do. One is for easyjet and the other one is for alpharooms.com. Together they come to nearly £600. I still have my creditcard in my posession and nobody else knows my pin number. I am generally very…
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Free flight with easyjet credit card
I cannot see it mentioned anywhere here but Easyjet and Citibank have launched a Easyjet Mastercard. To promote it, you get a 'free' flight worth £40 when you spend £250 on the card in the first three months. I wouldn't bother myself and will stick with Tescos Mastercard but as anyone here have any thoughts?
