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New Money Saver - Needs Advice
I am completely new to this money saving lark and want to get my finances in order, I am not in any major trouble, but just want things to be a little better and have more of my money to spend rather than wasting on loans. So my first step is to get my Cahoot loan paid off. I have had the loan for years and was originally…
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Should I Cancel Previous Cards?
Hi, I have around 5 credit cards 2 in use on 0% balance transfers. The others I balanced transferred from but have never closed. Should I close these and if I leave them open does it affect my credit rating?
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Balance transfers
At the minute i have 3 cards in use and 1 i have just recieved. 1. Halifax with regular interest 2. Egg with interest free 3. Capital One with regular interest but keep offering me to transfer a balance at 0% 4. BOS new card with 0% The plan. 1. Transfer whats on my capital 1 card to my new BOS. Then transfer it back to…
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egg,please help
i am currently paying egg £100 per month on £3000 debt but so little is coming of the balance im am getting so worried,i also have a capital 1 card with a £2000 limit and about £800 spent on it,have applied for a 0 % card from my bank to transfer the balance over but been turned down,have checked my credit history which is…
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HSBC credit charge?
Hi, We have applied for a HSBC credit card for the 12 months interest free on purchases. We only want to use it to purchase our car insurance to save on interest rates from the insurance companies as advised on this site! We received the forms to sign today and they mention a £61.44 charge for credit. We haven't had a…
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Two Credit cards or just one?
Me and my hubby have a joint Tesco credit card which we use for everything possible(and pay off each month) as we get points and use them for nice holidays. I took out another credit card - M&S - so i could take advantage of 0% interest for a few months, as we were purchasing a large item and the money stayed in our…
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purchases not on credit card
ok here we go on dec 12th i bought goods to the value of approx £1200 on "A" credit card in pc world the same day but earlier the wife spent £760 on "B" credit card in the same shop. neither of these have appeared on the credit cards statement. the day after the wife spent same amount on the same credit card but at a…
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American Express Nectar
I have an AMEX card and am trying to transfer the balance from this card to Mint. However, I have been told by Mint that because the Amex has only a 15 digit card number they cannot complete the transfer because their system requires 16 digits ! I understand that this will apply no matter what card I try to transfer to.…
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Citi credit limits
:mad: I applied for my AAvantage Citi card on the 21st Dec and this is the LONGEST time ive waited for a decision after 2 weeks i get £1000 limit ??? this is the lowest limit card ive got so far ? any suggestions insights into this ? regards Joshua
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Tesco CC charges con after paying off in full...
Long story but I paid of my CC's last month expecting that to be the end of it. Tescos haven't accepted the payment in full sending a statement of additional interest charges. Called them to find out why and apparently because I haven't paid it of in full for at least 2 consecutive months I've been charged from the…
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Change in Circumstances
Hi everyone, Been lurking for some time and meaning to post but not really sure where to start. My immediate question is that, in doing a credit card shuffle, you're likely to use cards from some time ago that you've kept open/ paid-off etc. During that time you're likely to change circumstances - particularly income and…
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How many credit card do you have?
How many credit cards do you have in your wallet? what cards are they? I personally have 5 credit card... 2 are Capital One credit cards 1 is Continental Airlines World MasterCard from Chase 1 is Discover Business Card for my business 1 is a pre-paid credit card I keep in my car for emergency
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Morgan Stanley! URGGGGGG!!!!!
My partner has a Morgan Stanley card with £9600 credit on it, being repaid at a really low interest rate for life (great). When we transferred the credit onto this card, we inadvertently went over the limit by £6 in the process (with the re-reckoning of the interest rate etc). Now everytime we pay, our limit is reduced by…
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Can you SBT with MINT??
Hi just got new Mint CC and have 3k on MBNA I need 2 transfer over as my 0% on MBNA expired. I also want to put extra 2k to my current account... so here is the plan... Can you SBT from Mint directly to a current account (no cheques)? If not, I will transfer 5k 2 MBNA - which means I will be 2k in plus... and then I can BT…
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Is this a sensible thing to do...Please help me
I have just received my anniversary e-mail from egg and I was wondering if it is possible to use it to balance transfer some of it over to my co-op current account then use it to pay off our egg loan? The monthly repayment on the egg loan is £200.00 for another 2 yrs :( If we balance transfer some of my other credit cards…
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Prepaid credit cards
I am looking at to apply for a prepaid maestro/mastercard card for me holdidays this year. I am in a dedt managment plan and can and dont want any more credit cards. Any advise on which one !:confused:
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Prepaid crdit cards
I am looking at to apply for a prepaid maestro/mastercard card for me holdidays this year. I am in a dedt managment plan and can and dont want any more credit cards. Any advise on which one !:confused:
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AA C/Card - Not Allowing Current Repayment
Help! I have a repayment plan (arranged through Payplan) with all my debtors which I have been paying since August 2006 and I have not defaulted or made one late payment since this began (have also paid off over £8,000 in that time:rolleyes:) . However, I recently received a letter from my AA credit card saying I was…
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Help please.
Afternoon all, I have been browsing here for a little while and now thought I should sign up. Been reading some of the articles but I am finding them a bit difficult to follow so thought I should post and ask for help. Basically I bought something in July and entered into some payment plan thing which gave me 6 months…
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Capital One Travel Insurance
Forgive me if this seems like an odd question but I have no experience of it whatsoever. In past i've always had to buy extra travel insurance through the post office. However I now have a capital one worldcard mastercard. I have booked a holiday in early February for myself and my girlfriend and want to know how it works.…
