-
what to do?
i am after changing my credit card. I got turned down by capital one so i got a credit check. there are cards on there that i tried for ages ago but was given a small credit limit. i never activated these cards but would they still be there as if to use
-
virgin credit card
i have applied for a virgin credit card to balance transfer a 0% card that is due for ending mid feb. i was declined point blank saying they didnt feel i couldnt meet there requirements now i have been employed by the same company for 20 years pay every bill on time and cant remeber in the last 10 years when i have been…
-
paying 1000 USD via paypal what credit card to use?
hi everyone i am just about to buy some goods from america to sell over here and was wondering what credit card i should use.i currently have an amex 5% platinum cash back card so was thinking that would be good as i would get £50 cash back however i also have a nation wide credit card and if i use this i would not ce hit…
-
Mastercard or Visa?
Hi folks. I currently have 3 credit cards i use for day to day spending as they benefit me in one way or another, cashback etc. The 2 main ones i use are Visa branded. I was considering closing the 3rd card which is Mastercard as i rarely use it & want to reduce my available credit on my credit file. My only concern…
-
problems with Halifax and shopping online
I'm sorry if this is in the wrong forum, but I'd really appreciate any advice or tips, or info from anyone who's had the same problem, if they're out there? I've been shopping online for years using my trusty halifax visa (debit) card. No problems until now. Suddenly, no matter what site I try to shop at, I get an error…
-
Debit Card Limit Not Credit Card
Hey peeps, i no that there is a £250 a day limit on withdrawals with debit cards, but, if i were to buy a tv off the net for £500 + would there be a limit imposed, its a natwest solo card, if so, how can i remvoe the limit thanks
-
MBNA 0% balance transfers - BEWARE !!!!
Can't believe they can do this... Had £12000 on a 0% balance transfer deal with MBNA. Paid the minimum payment of £5 every month by standing order. Last month, they changed the terms and conditions and changed the minimum payment to £10. Yes, I know I should have checked my statement... Anyway, by accidentally not making…
-
MBNA 0% balance transfers - BEWARE !!!!
Can't believe they can do this... Had £12000 on a 0% balance transfer deal with MBNA. Paid the minimum payment of £5 every month by standing order. Last month, they changed the terms and conditions and changed the minimum payment to £10. Yes, I know I should have checked my statement... Anyway, by accidentally not making…
-
Citibank balance transfer
Dear All, I have recently decided to transfer the balance from my Barclaycard (£4600) to a Citibank card. I completed the application form online and was told I should expect a response through the mail. I waited a week or so then received a letter on 22/01 which only contained a pin number for my new Citibank card. I have…
-
reducing apr on loan
Hi there, I have a loan at the moment, From Lloyds TSB £2,857 left to pay over 21 mths, £154.00 repayments, no problem there. But my APR is 16.9% as it was a loan to cover a loan because i got tied up in the ppi thing. Would it be a good idea to switch the debt to an interst free credit card or low interest and carrying on…
-
Card Repayments
I currently have a balance on MBNA which am looking to move, but the joy with MBNA is the repayment figure is based on a percentage of the interest rather than the debt meaning that on a 0% deal the minimum payment has been only £5 per month. Does anyone know of a similar repayment structure on a 0% deal? Any help would be…
-
Nationwide Extende Warranty - How to register?
Bought a camera last week which seems to meet the criteria for extended warranty from Nationwide. As I have never registered anything with them before what is the process? Assume I need to wait until I receive my statement first? Is there a particular number to call or just the normal credit card helpline? Thanks
-
Solo card rules
Hi, my 17 yr old son has an HSBC solo card. Since October he has been making regular purchases from a local Budgens. For some reason these transactions were not debited from his account, now suddenly they have all come through on one day (about £260 worth) and made him overdrawn. He spoke to the bank who have said they…
-
MBNA minimum payment
I guess i must be stupid but ive only just found out how MBNA work out your minimum repayment each month on their visa card. Every other card i have or have had charges a percentage or £5 whichever lower. MBNA charge the interest plus £10 which goes towards your balance. This is crazy. Im not even sure how they work out…
-
Capital one quoted me 3.94% lob on a BT but charging me 13.94%
I rang capital one to see if they had any offers for balance transfers, was told 3.94% for the life of the balance with 3% fee so snatched his hand off, had some money left on my credit limit so phoned back the same day talked to a different lady who quoted the same deal. I got my statement last week and see that i am…
-
Will previous owner's bad credit affect me?
I've just applied for a cashback credit card to put my work expenses on (yesterday) and this morning my husband appeared waving a letter he had opened (I know, he shouldn't have!) for, I presume, a long-gone previous occupier. The people we bought our house from lived here for 5 years and it wasn't for them. IThe letter…
-
Upping Credit Card Limit
Hi, Just wondering if anyone would be able to help with this please? I've been trying to move my credit card debt off one card (HSBC) and onto a long term low interest card (Citi). I got a letter the other day saying I was successful with the Citi card, but the limit on the card is only £1500. I need to transfer £3500…
-
credit card refusal
hi i am in the process of going through a divorce and as you can imagine my finances are tied up i have joint credit card debt and a loan to pay of altough my wife is refusing to pay anything to do with the credit cards althoug admits the loan is joint i have tied to get another intrest free credit card to transfer my…
-
HUGE (£21k) Balance Transfer...
This is my first post ! We (my dh and I) have decided we absolutely have got to sort out our finances and I have been looking on here for a couple of days now and the dimmer switch on my "lightbulb" is now being turned up! So our current status! - we have about 20k left on a 25k loan - we have 21k on a credit card (MBNA)…
-
Self Crediting Consumer: Give Credit Cards the Boot!
I made a sound decision not to have another credit card and simply turn myself into an SCC, or rather a 'Self-Crediting Consumer':A . After settling my card debts, finally:j , I elected to pay into various personal savings accounts around 50% of the amount I used to waste servicing my Visa and whatever cards. The…
