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Borderline Unfairness
Why is it that in Scotland you only get 5 years you can bcak claim for bank & credit card over charging, whereas in England it's 6. Many of the providers as UK wide. What have the haggis hunters done to deserve almost 20% less? Ombudsman McHelp please !!
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TSB 2YEAR Monthly Saver 6.4% after TAX
Just A note to remind all TSB monthly saver peopler , If your monthly saver is coming to and end soon this year, check that the last standing order payment will be able to be made before the 2 year or 1 year period is up. Other wise you wont be getting all the dosh due to you . you could be only getting 11 month rather…
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If you want to see the future of credit (in all its forms), look west
to the US: Doubling of the minimum monthly payment, and if you miss two the whole debt is called in www.democraticunderground.com/discuss/duboard.php?az=view_all&address=389x2818996 Being no longer able to consolidate your debts in your mortgage…
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Transfer balance to Egg card
Hi all, Received my egg card today, with 15 months interest free on balance transfers. I have a Virgin card ,and want to pay off the full balance. My question is. Can I go to the Virgin website and pay off the full balance using my Egg card,or do I have to do the usual balance transfer through Egg,they charge 3%. The girl…
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Virgin - rate increase
I have just had a letter from Virgin upping my interest rate by 3% to 17.9% and the minimum repayment from 1.5% to 5%. This is a big change is it happening to everyone or just me? This change in minimum will really affect my snowball. I hope the other card don't follow suit but I expect they will. O dear!! This is what we…
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Credit Card Virgin!!
Hi, We have never had a credit card out of choice but now we are buying our first house and we need things like carpets, oven etc. I am tempted to get a credit card to buy these. If I got a credit card to make the purchase could I then get another card that had a 0% balance transfer and move the credit to that one? What…
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Beneficial Card ~ ditch Hilton HHonors link
Just received notification that Beneficial MasterCard are severing the link to Hilton HHonors from mid March 2008. Time to go Nectar card me thinks. Beneficial will replace the M/Card with new card without the points earning feature. Shame, I like earning points for Hotel stays. Mike ~ Leeds
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apply for credit card
hi i have applied for a credit card at barcleys but i have been refused a card. do u know how long i have to wait befor applying for anather card at capital one ?:rolleyes: thanks
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Barclaycard BT -which number?
Hi, Im looking to transfer the balance of approx. £5000 onto my existing Barclaycard which has a current balance of Zero. I've had my Barclaycard for 12 years and missed a couple of payments 5 years ago. Am I guaranteed to be offered the 6.9% with NO FEES as described in the shuffle article? If not, what can I expect to be…
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Will I make money on my Balance transfer
Hi Guys just to confrim this as so many people keep telling me that it can't be right. MBNA have just given me £13000 intrest free until feb 09 but with a 3% charge. I have transfered this money into a bradford and bingley internet saver with a rate of 6.4% AER. Am I right in thinking I'll make a nice profit on this money…
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no longer a customer
i have cleared my cards and no longer customer with my cards companys can i still claim back my charges?
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Credit Rating Move House
Hello, I have recently moved into a new apartment. When i apply for a new credit card, the thing that lets me down is that i have lived in my apartment for less than 3 months. I have an HSBC Credit card that is set to pay off in full each month. I applied for a capital one card with 0% on purchases for 12 months, which…
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Credit Rating
Wasn't really sure what section of the board I should put this but anyway. Quite young and I was just wondering about credit rating and what actually effects it? Basically I have no credit card, loan, mortgage etc. as I am studying at university and the only thing I can think that may effect my current one is my O2 Phone…
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Card Insurance/ Theft & misuse etc.
Hi, I hope I've got the correct section of this Forum! I've just signed up for a Card Insurance Policy (29.00 a year) which would protect me & family if we had cards stolen, used freudulantly etc, etc. This was a bit of hard selling when I rang by bank to acknowledge receipt of my debit card. I have a week left on the time…
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How likely is it????
with what is going on at egg at the moment, and with what barclaycard have done(even though i do not know what barclaycard have done, i just seen people mention on here something about barclaycard) is it likely other credit card providers are going to follow suit, i only ask as we have a llyods tsb credit card, at the…
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capital one credit card
hi i dont have any credit history in UK and I will apply for Capital One classic visa card ( 34.9%) so can you please tell me what do you think about it? I am going to use it once or twice really ,but do you think that it can strengthen my credit? thanks
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Late payment charges
I think I have paid my Capitol One card too late. Used the online bill payment system from my bank on Friday afternoon but the due date is 6th Feb. The min payment is only for £16 but there is a £12 late payment charge. Is there any way to avoid this charge, get let off it or to get money in there more rapidly? I have the…
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paying off someone elses debt!
My son and his partner have split up and he is responsible for a credit card debt, which he is happy to pay, but he does not have a good credit rating and so can't transfer the balance to a free/low interest rate. At the moment he is paying a very high interest rate. Is it possible for me to transfer the balance to a…
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Barclaycard Info incorrect ????
Have just heard Martin on Moneybox Live - Radio 4. Good stuff ! But he recommended a Barclaycard (from here or Barclays.co.uk only) for balance transfers for short term card debt with a 14 month 0% balance and a 2.5% fee. I have now looked online at this as think it is just the thing for my OH, and on the opening screen it…
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Bad Credit is Lingering - Please Help!
Hi Guys, I am sorry if this is the wrong place to post this but i am seeking advice regarding some credit problems i am having. My record in the past 2 years was tainted with some overdraft debts i got myself into with RBS. RBS then closed my account and basically said i was unable to open an account with them ever again.…
