-
Pay off loan with credit card?
Hi all, I was thinking of getting a credit card with 0% for 12 months and using it to pay off my car loan. I have nearly saved enough to pay it off but thought it might be worth paying it off on 0%????? Would this qualify for 0%. Am I able to do this? Many thanks
-
Sainsbury's, Virgin(MBNA) and Barclaycard reduced limits in one week
Its my first post but I'm a bit of a lurker on here so am pretty much up to speed with all of the tricks the CC companies get up to in trying to lure money out of you, and have notched up 12 credit cards over the years as I never keep a balance past its offer period. I just thought I'd give a heads up to people with…
-
Ban the use of credit cards for gambling.
I have serious debt problems due to gambling, i have found this online petition, please, please, please sign it and pass on to anyone you know. Although people in this country have the right to gamble, the government should ensure that people cannot use credit cards to pay for their stake in UK casinos and online gambling…
-
Halifax One card - abroad
I've just applied for a Halifax One card for specific use when I go on my holidays to the USA next month. I've realised that I forgot to check if the 0% on purchases was still valid if I use it overseas. Does anyone know (I don't have the card yet) if there is anything in the T&C's relating to this? I assume I'll get a…
-
Credit Charge Reclaiming
HAVE TODAY HAD A REPLY FROM CREDIT CARD COMPANY AFTER TAKING 2 X £10 CHEQUES FOR A LIST OF CHARGES TO BE SENT OUT. THEY HAVE BASICALLY IGNORED LETTERS AND SAID THE MATTER HAS BEEN DEALT WITH AND NO FURTHER LETTERS WILL BE SENT. WE HAVE ASKED FOR COPIES OF THE PAST 6 YEARS STATEMENTS AND THEY HAVE NOT GIVEN THIS. WE ALSO…
-
Mbna (abbey Card) - Minimum Payment
Afternoon all Just a quick query regarding the minimum payments on the Abbey (MBNA) credit card. I recently transferred a balance of £3668.65 to this card with a BT Fee of £110.05. I have today received my statement and was expecting the minimum payment to be £5 plus interest (£17.37), however, my minimum payment is…
-
Can I use 0% purchase CC to make mortgage payments?
Apols if this has been asked before - I looked but couldn't find an answer. We have a new CC which gives us 0% on purchases for a year. We also could do a bal xfer, but it would cost us 3% flat fee. What I wonder is if I can make mortgage payments using the CC, would this be counted as 'purchases'? Then we could save the…
-
Closing credit cards with positive balance
Hi there, First post time! Been a lurker for years! Anyway, I'm about to close a number of credit cards as I've paid them all off, but at least two of them have positive (i.e. overpaid) balances of at least £50. Will that money be refunded as part of the closure process - by cheque or whatever? I assume they would have to…
-
Should I own a Credit Card even though I do not need credit?
Hi everyone, I do not have a credit card but I have been advised by a friend to get one as he seems to think that this will help obtain a mortgage and secure an emergency loan (should I need one). This does not make any sense to me as surely being debt free and having a secure permanant job is enough to get a mortgage/loan…
-
advice needed
not sure where to post this, we recently got a loan to pay of our outstanding balance on a holiday to florida and spending money, would it be better/safer to pay the balance off with our credit card giving that if anything goes belly up with the travel company we would get our money back, bearing in mind we would pay an…
-
fingers crossed for my credit card charges to be paid
I've got a list of my last 6 years credit card charges and just sent off my letter, asking for £296 from Halifax .. fingers crossed it works!! I love this site and spend far too long browsing. Freebies/reductions so far: Saved £160 on car insurance Got two flights to Rome for £96 Free "speak Italian" CD Free oil of Olay…
-
balance transfer
i would like to pay off my car loan £5k by using my halifax one card. once the payment has gone through i would like to do a balance transfer onto my new barclaycard that is offering 0% for 14 months. is this possible or will the halifax or barclaycard companies reject this. barclaycard have said that i cannot pay off the…
-
advice on HSBC credit card please...
Hi there. I had this HSBC credit card on 2005 with a rate of 15.9% . in 2007 i spend 1300 out of 1500 limit in one month and before that the balance was 0 because i always repaid in full. After paying too much interst on it for 3-4 months ( it was a cash withdrawl) i decided to do a balance transfer.SO i applied for…
-
can't get credit card or a current account but got a contract mobile
I have applied for the adverse credit cards and to get current accounts but was declined. I only tried as i was accepted for a contract mobile which is strange as my credit is rubbish. They want you to build your credit up but how can you if no one gives you the chance to get credit? I just don't understand how i can't get…
-
Who is responsible??
As per my recent posts in the DFW section, my wife is leaving me and our finances are in a real mess, to say the least :o :o :o . Somehow we owe approx £16000 on 5 different cards. I am the sole name on 2 of the cards that have about £4000 between them while the remainder is on three cards that she is sole name on. Who is…
-
Help Please
I'm not sure if i have posted in the correct thread but here goe's I recently applied for a credit card that needed excellent credit rating, i followed there online guide and i passed all there criteria, but my application failed, i have two questions, if anyone can help? :confused: 1, Will this effect me applying for…
-
Free Flight
Fly Be have launched a credit card and are offering a free European flight for the first purchase made on the card. The free flight offer only covers the flight cost and not such things as taxes, fuel surcharges etc but nevertheless might be worthwhile. The link below will take you to the relevent page of the Fly Be web…
-
Pre Paid Credit Card or Egg Money Card?
Hello All Very simple question... I have been looking at the prepaid cards available, like the Sun one and various others. You load your money, then they all seem to charge for spending it. Then I looked at the Egg Money Card... it seems as though you load your money (FREE) and then spend it (FREE), you even get interest…
-
Credit Card Settlement
Does anybody have experience of making offers to credit card companies to settle credit card debt, eg, do you offer them a percentage of the outstanding balance? And if so, how much is a reasonable offer? EllieG
-
New Anniversary Offer on Egg Credit Card
Recd today by post....0% on BT for upto 7 months with uncapped 2.5% fee. Only available 6 feb to 29 feb 08 for existing holders with 0% to 6 sep 08. Anyone else been sent this offer? Usual min of £100 upto 95% of credit limit.
