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Stuck
Hi I'm wondering if anyone can help me as I'm really confused about what to do. I currently have an RBS credit card where the 0% interest periods have expired. I had a not so good credit rating so struggled to find a new card to balance transfer to. I eventually found one recently with Barclaycard where it was 0% on…
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Capital One fraud detection - so quick??
I have had my new Capital One card cancelled today and will be re-issued straight away with new pin. Apparently some cards are at risk and mine is one of them. I have only had it a month and used a couple of times. Is it normal to have a security alert so soon?? I have only used it when I'm present and at reputable…
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Help - Don't know Account No for charge reclaim
If anyone can help me with this i will be eternally grateful.... I had a credit card with Yorkshire Bank and paid off the full balance October 2004. I didn't keep any of the statements or anything as i have moved quite a bit and didn't think i would need them. I have written to Yorkshire Bank to try and reclaim the charges…
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Problems with Tesco Personal Finance
Last year I had some temporary financial issues (mortgage went up and up and it was a few months before a loan had finished) and I dropped to a special pay rate of £55 per month for 6 months. To save postage I sent three cheques (April May June) with covering letter and they were carefully post dated. They payed them all…
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Harassed by creditors
Hello I have debt problems which I am resolving, just waiting on a consolidation loan now. I regularly write to the creditors stating what is happening, but I am getting multiple calls per day from MBNA Indian call centre, I have phoned them and written to them - they say the calls will stop - they still phone. Anything I…
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Virgin increase interest rate!
Hi I'm wondering if any of you have any advice or have been in a similar situation? I have a credit card with virgin limit of £10900, balance of £10750. When i took the card out a couple of years ago the interest rate was 12.9%, in October 07 they increased the rate to 25.9% then this month i have recieved a letter saying…
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Halifax redit Card - 13 months at 0%!
I have just reviewed my credit cards after too long (must put tart alert on!) and found that although this site takes you to a 0% over 12 months, there's actually a 0% over 13 months (the Halifax Credit Card) Not sure if this is on-line only but an extra month has got to help,eh? Same 3% charge and a rate of 15.9% Happy…
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Can't meet minimum payments
Hi guys, I was hoping that those of you who have been in trouble with CC companies before could give me a bit of a helping hand here. On the statements it always says that if you can't meet the payments then you should contact them to discuss it. Can somebody enlighten me as to what happens when I do this? Basically I'm…
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0% longest deals for purchases
Hi, Martin is recommending HSBC and Halifax in his article as the longest 0% deals. I've got both of those, does anyone know what the next longest deals are?
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Is it worth reducing a credit limit?
Hi, I have a Barclaycard that I keep as my "in case of emergencies" card. I have a couple of other credit cards that I use for stoozing. (These will be cancelled once the 0% offers are over) The Barclaycard currently has a £8k credit limit. As I don't use it, is there any advantage in reducing the credit limit to a lower…
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Best card to draw out cash?
Hi all, I tried to post this earlier today, but it didn't seem to work?!?I have never owned a credit card, so i am not to sure about how these things work..I am thinking about taking out a 0% interest free c/c soon, in order to buy a car. The car will more than likely be from a private seller, so i will need to pay with…
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Where do I start?
Years ago I got into a real mess financially and ended up signing a trust deed which ruined my credit for six years and it was only a few years ago that my credit began to improve. Since then I have become a single parent and I am worried I am sliding back that way again and need to know what to do first. My debts are:…
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Closing cards with outstanding balance
Hello to you all, I am currently paying off 4 credit cards at the moment and am resisting the temptation to spend on them until the balances are paid in full. I am doing very well so far having lasted more than 6 months without spending on any of them but I have a lot of things coming up soon like holidays, birthdays etc…
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virgin question
Wondered if any of you clever people can help!! I have just got a virgin credit card with a £2,500 limit on it I was hoping for more as I have an egg loan at 7.9% apr.I pay £196.84 a month and have 18 months left on it Should I pay as much as I can off from the virgin credit card and then pay of remaining as soon as i…
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Can this be done!
I have a credit card with 13months interest free on purchases. I can transfer money over from my credit card to my paypal account does this count as as a purchase ? If it does I can withdraw the money from my paypal account to my bank account and invest it into an high interest account for 13 months and just pay off the…
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Offer of payment
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Credit card for under 18's??
help please My daughter needs a credit card due to the amount of travelling she does. It will not be used for obtaining cash as she has a debit card for this. There is no issue about funds as me, (poor old dad), will be paying the bill each month. have found that some countrys she is in will not accept payment by debit…
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PPI and promotional retail interest charged
I have just received the last six year’s statements from my credit card MBNA I want to claim all the PPI and the late charges, should I do these as one claim or claim them separately as two claims? Also on the statements there is a transaction called “retail interest charged” and “promotional retail interest charged”. I…
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cancelled Goldfish, now apply for Barclaycard?
I cancelled Goldfish card a few weeks ago and was all prepared to go for the Barclaycard 0% card, until I read on here that Barclaycard have taken over Golfish Oh dear :( Does this mean that i will be refused a Barclaycard then :confused: I'm beginning to lose the will to live with all this 0% stuff:cool:
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Natwest Credit Card
I'm 18 and need a bit of advice on the credit card front. Natwest are offering me a credit card, with interest at 11.9%, which surprised the manager when he entered my details into the computer, as it said its usually around 12.9%, and £2000 credit limit a month. With the usual 0% on purchases for 6 months. This isn't a…
