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Credit cards
Archives for February 2008
Discussion List
Peculair Egg Money Behaviour
I thought I'd share with you my recent experiences. It may already have come up on this board before - if it has I appologise and please ignore me. I recently took out an Egg Money account. I thought I may as well as it gave me the option of stoozing. It also has a reasonable cash back rate. Anyway, I never got round to…
Is 0% really 0%?? - CC Newbie
Hi I've been looking into getting a 0% CC for purchases only and then pocketing my wages away into an Isa, maybe it's just because i'm reading far too much and trying to take in too much information but I'm now not sure about the Credit Card bit??? Would I literally use the 0% card for everyday purchasings and let the…
sudden hike in APR/repayment
MBNA have just increased my APR from 15.9% to a whopping 34.9% and also increased my minimum payment to 5%. ( it was 2 %) so I'm paying £500 per month instead of £200 on a £10000 debt. This occured after I came off a 0% deal. I've checked my credit rating with one agency which was good but have applied for 2 credit cards…
Capital One mess and nightmare
In November last year I took out a new credit card from Capital One, the only reason being the 6 month 0% offer. We just bought a new car and as it will be paid off in the next few months, I figured a 0% card was the best place to borrow from. I originally paid for the car with my Goldfish card and so a balance transfer…
Debt Collection Agency for a debt from over 10yrs ago
Hi, Today a letter came through my door from a collection agency in reference to a debt I had from an Argos store card over 10 years ago! (I recently went onto the private electoral role, I thought going private would of prevented this). Anyhow, they are requesting over £600 which I don't have being a full time student,…
Time limits
Are there any time limits on how long a company has to get the money back. I have moved recently and was put on the electoral roll and now i am getting letters for a debt i had over 6 years ago it was a £2000 credit card debt and i thought it had been settled. So id there a time limit on when they can ask for the money…
Egg Policy Change ?
Just had a letter from Egg today (followed by an uninformative phone conversation). Theyre ending my use of my card with them, after 10? years based on "credit profile of this account"... The problem is my credit rating from Experian is excellent, Ive never missed a payment with them and I pay off the debt each month....so…
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