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virgin ending interest free deal early
:mad: Hi everyone just a query i had a 0%offer for 9 months with virgin on the condition my payments were made on time. My last payment i paid online on the due date, it did not appear on my statement until several days later and they hit me with a late payment charge and back dated interest, i thought if you paid on line…
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rebuilding credit rating
Have just received my first card in years after going into debt, do i now clear the balance and repay the full amount each month or do not use it at all Question is this should i continue to do this or not use it at all in regards to building my credit score back up again i can now afford to clear it each month Thanks…
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bad credit
my partner has some bad debt (couple credit cards and an overdraft). He moved out of the country and while he was away his accounts went into arrears. How long does this debt follow him? is there a time constraint that they can try to recover this debt? like 7 years? or will he always be liable?
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credit limt?
Does anyone know which card usally offer the highest limit? Plus which ones will tell you your limit before you get your card? Thanx please help
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lloyds 'upgrading' my credit card
I've received a letter from lloyds boasting that they want to upgrade my credit card to their duo card (a master card and american express). Obviously they trump the benefits of the card up but the apparent drawbacks are no so obvious on the letter What has infuriated me is that I have to actually opt out of upgrading my…
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Credit check and their affect on your credit score?
If you apply for a loan or credit card how long does the credit check stay on your record? And does this really affect your rating?
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Can some please assist with my enquiries?
Hi, I am wanting to help my mum transfer all her debts onto a 0% card. She has about £4000 debt across 4 cards. What I am wondering is, when virgin state they have a 2.98% fee is this payable upfront or can it be added onto the debts balance and repaid that way?
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My credit card credit report
To cut to the chase i took my credit card company to court for charges. They paid up from which I settled my account and closed it (apparently). I now shows a zero balance on my account from my last statement with an agreed limit of £0. This was paid in full on the 23rd November. According to the CC Company they process…
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Not on the electoral roll? You must register to get credit!
Updated 8 April 2008 What's this about? To get credit, be it a loan, mortgage, credit card or even mobile phone contract, it's essential to be registered on the electoral roll before applying. Many people assume they're automatically registered, or don't bother doing it. Yet not being on the roll will have massive…
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minimum charge less than actual charge
hi all is it legal for cc companies to charge more than the minimum charge ?ie: my balance is rising every mth without me doing anything apart from paying the min charge. thanks tim
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Changing credit products within the same company?
I have an old Barclaycard Initial that has a stupidly low limit of £260. I want to change this to something more useful. Does this mean I have to close the existing card, and open another one? How does this affect my credit history? In the same manner, I have an Amex Red card that has become my main spend card. I'd like to…
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Is credit expert site working
I've been trying to log in for ages, just wondered if it was me doing something wrong again:confused:
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Beware of 'My Stuff'
Watch out for a policy called 'My Stuff' being run by Barclaycard. It offeres to provide cover for loss or damage to your portable 'stuff': mobile phone, MP3, camera, sat nav etc for a monthly fee. There is I found a catch :- I found that once my 'stuff' is 3 years old it's no longer covered by the policy. I was told by my…
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Transferring Credit cards
I have a car on lease at present which has come to the end of its terms, and one option I have is to now buy the car outright. I was thinking of doing the following. Currently I have a credit card with HSBC which is also my bank, and through my account, my wife also has a card. I've also seen a deal at Sainsburys which…
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Abbey Card nightmare
After see MSE blog on the 5% discount on supermarket shopping with Abbey Credit Card I applied for and (finally after initally being refused) got a card. What a nightmare. Will end up paying more in interest and telephone charges than the discount, thanks to Abby'e truly dreadful admin. Thanks Martin that's one money…
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Cash back v 0% for 12 months
I might be being a bit thick, but can someone explain Martin's flowchart on credit cards, that says that if you do not pay interest on the credit card (ie pay it off in full each month) you should get a cashback card offering up to 5% for first three months then 1.5% thereafter, RATHER than going for 0% deal on purchases.…
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Rate for risk credit cards
Can anyopne shed any light on rate for risk cards - past experiences etc? I'm thinking about taking on a rate for risk card with barclays, but the write up on moneysavingexpert.com is pretty damning: " Some credit cards operate a rate for risk policy. This means they have a range of credit cards and you will be offered one…
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Where did my money go????
Hi,new to the site but still in need of help. Ive gone down the road of sending the template letters out,which ive had either offers to pay the difference or statements back off most so far. I decided to accept the difference between the £12 off 3 credit card companies. The letter i had was to sign to say this was the end…
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Argos store card help.
Hi, new to this so please be gentle! Can anybody advise? My G.F has an argos store card with a APR of 28pc,(I Know!) and owes £437. She has just got a Halifax CC with zero B.T for 12mths. When she has tried to BT, Argos have told her "you cant pay off credit with credit"!! Also, she cant pay it of as a purchase for the…
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Applying for 0% Purchases - how long for info to appear on Credit File?
Hi, Me and partner are each looking to apply for a card with 12m 0% apr on Purchases to pay for our upcoming honeymoon. In total, we'd need a credit limit of about £12-13k. We're both planning on applying seperately which would mean we'd need credit limits of £6.5k each. I imagine that this is quite a high limit to get in…
