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Cloned Credit Card!!!
Got my statement this week and woooooie there are payments for good not bought by me.....the first item was £380 odd....but was reinbursed to the account a few days late. Not so the othe 4 payments!! Rang the bank and they have reffered it to the fraud department.....I have done as advised and cut up my card and will…
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any chance i can do this ?
Hi I need to fund a new kitchen. I have some cash saved but would like to borrow about £2000. I was going to get a loan but then thought a 0% c card might be a more convient way to fund the rest of the purchase. My question is i have a few c cards (all with 0 balance) and wondered if rather than apply for another card to…
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All in one basket?
Hello all. I've got three cc debts at the moment: Halifax: £1016.44 @ 20.9% APR. BL of £8050 TSB: £2300.24 @26.5% APR. BL of £10000 Capitol One: £4409.33 @21.83% APR As I've also got the remainder of a loan for my motorhome left to pay, I went to the Halifax today to see about a personal loan. The application wouldn't go…
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smile visa. Spot on re fraud
I have made several transactions during the past day or two but smile spotted a sum of £100 and rang me. The transaction is a fraudulent attempt. I am so glad that I list every transaction in a book. Phew I could say yes to every other one she read to me Yes it is a pain having my card stopped but thats life and I want to…
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Capital One credit card agreement question
Just applied for a new capital one platinum cashback card and just been reading through the t&c on the agreement i've got here to sign and send back. There is just one part I don't fully understand " Total charge for credit: at the time the agreement made, is £123.63 Comprising interest in the sum of £123.63 " what exactly…
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Cancelling Direct Debit on Amex card?
Hi I paid off my AMEX card and closed account today by phone even though it still had a LOB 2.9% amount outstanding. It was only a few hundred, and I wanted rid of the “available credit” limit of £7K.I’d never used the CC since the original BT of £5k in 2002. I asked CSA about residue interest, (less than £1, she thought)…
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Help needed! Tarting about to go wrong
I just joined this forum yesterday. I am a bit of a novice in these matters. My 0% balance transfer deal with Natwest ends in June 08. Natwest has sent me a letter to advise that I can make further 0% balance transfers that would expire in Feb 2009. So I have transferred the same amount that I currently owe into my…
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Balance Transfer Advice Please
First time user so please bear with me - I've got an MBNA card with a £3,800 limit !! now 3,830 because I bought a load of cheap Rail Tickets} I was thinking of applying for the 2 year HSBC 0 % balance transfer offer - a struggle but I think I can clear it. My Wife has a MK store card with about £1,400 owing so now the…
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Paying a credit card balance
Hi there I have a £10,000 credit card balance with HSBC. I am shortly going to be in a position to pay this off in total, however I do remember reading somewhere once that if you can pay off a large proportion of the debt then it is possible to negotiate paying off say 60-75% of it instead of the full 100% amount. Does…
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If Husband Dies, What happens To His Credit Card Bills?
Hello, I have been wondering if my Husband passed away, would the law say i have to pay them? I am a full time mother at home and have no income.
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Paying off a loan with a credit card
My car loan company have given me a settlement figure. Barclaycard aren't letting me transfer at 0% as I'm over 60 days from account opening. (May I just add at this point it's 60 calender days from account opening which doesn't make much sense but hey) My loan company have given me account details to pay off the loan - do…
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Making small extra payments to Egg card
After checking our balance and finding hubbby spending more than I, or even he, thinks I could do with making some extra payments here and there. I would only be able to make small payments like extra £5 or £10. Does anyone know if this an be done on the high street anywhere like in the Post Office? I can't see anything on…
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strange invitations after egg letter
hi, i was one of the egg letter receivers. dd every month for the minimum etc. i have a few cards about 5.000 spread amongst them. i can manage my debt, no missed payments etc. have been at same address in same circumstances for yonks! i am always receiving invitations in post for other cards, the normal stuff, everyone…
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credit card or loan
I am a student in my last year of university and I need to borrow some money before I start working. I have already got a student loan but I need more to help me with rent etc.. Would it be better to get a credit card (I have an account with lloyds) or to get a loan? realistically i would have to borrow about 2-3000 pounds…
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card tarting
hi all new to this and a bit nervous about transferring balances about. i have £6000 on barclaycard @19.9% paying £133 a month but i need to shift it. i also have other cards such as 1. capital one credit card £ 0 2. rbs credit card £ 0 3. hsbc credit card £ 0 4. morgan stanley credit card £ 0 would it be best to get in…
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Capital one card
I've only recently got a credit card never ever had one before, so my limit has only just gone up to £500 a month, i assume that this is not the cashback card because i've only just got it, but is this still better than using my alliance and leicester current account card? , i pay my credit card of monthly
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lloyds duo airmiles, when do you get them?
hi i have received my pin and will probably get my credit cards come through tomorrow. I was just wondering, if I spend the £10 to get the 1700 airmiles or whatever it was, when is it likely I can book a flight?? Has anyone else gone for this offer and when did they get their airmiles come through?? Thanks!
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BMI 0% on Purchases - 6 or 12 months?
Help and Advice Please! I am hoping that some of you guys can help me with a problem that I have come accross. We took out a BMI Credit Card last year (July) and have been using it religiously for EVERYTHING so that we could get BMI Miles and also take advantage of the 0% whilst transferring our money into a Savings…
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Pay off smaller debt then larger debt?
I was using the Minimum Repayments calculator on my two Credit Cards. Morgan Stanley - £2000 asking for roughly £60 Per month at 19.2% Tesco - £4000 asking for roughly £115 Per month at 16.62% According to the calculator: Morgan Stanley - 3 years 11months to pay off Tesco - 3years 11months to pay off Surely paying off…
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Is this allowed??
Got a letter from GE Money to say the interest they charge is going up from 17.460% to 20.837%, straight away......... whats that about?. I have cleared the card, so Im ok ... but can they just do that?
