-
should i apply for a 0% card when i still have time to run on old cards
my situation is that i have 2 CCs. the 0% ends on aug for 1 and oct for the other. pretty soon me and OH are gonna book a holiday for around £2k and it'll need to go on CC. i have seen a cc with HSBC that has 0% on purchases for 12 months and i can get quidco cashback of £21 so i was gonna go for that one. my instinct is…
-
ulster bank cc accepted - but we didn't apply!
here's hoping this is the correct board: my OH rc'd a letter this a.m informing that she has been accepted for the above c.card and could she please sign the acceptance form. the only problem being: she has never applied to ulster bank. she did, however apply to john lewis for the partnership card last week. she will phone…
-
0% On Purchases ?
Can anyone please suggest some cards currently offering 0% on purchases, preferably for a year? For whatever reason, the main site doesn't list these - or if it does I can't find it. With interest rates at 3% or more after tax anything over 6 months interest-free is worth more than 1% cashback. And if you have debts of…
-
BT my wife's card to new one in my name?
Hi, Does anyone know if I can transfer the balance on the card in my wife's name to a new card in my name? She can't get any more cards and I'm looking to transfer the balance to a 0% deal we can pay off over the next 12-15 months. Thanks, Moriarty
-
Why do I keep getting refused a credit card?
I currently have four credit cards and am most interested especially in cashback offers. My total credit limit on the cards is £12600. I have had these cards since I owned a property down south and become a tenant in the north. I have made twenty applications to different companies for a card such as Egg, Post Office,…
-
In Credit On Credit Card!
Hi, I've got a quick question and was hoping someone would know the answer please. I'm in credit by nearly £100 with a credit card - am I entitled to ask for the balance to be sent to me in a cheque or do I just have to spend the balance on the card? Many thanks for any replies.
-
Halifax Scam
Hi, I have registered just to let any Halifax credit card holders know that they are running a nasty little scam. They offered me a great balance transfer deal for the life of the balance. I did the transfer over the phone and though I had quite a bit outstnading I transfered £2400. Three days later, I get a letter telling…
-
Asked for ID for a cerdit card???
Has anyone ever been asked for ID when applying for a CC?? I have recently applied to barclaycard to transfer my balance. Online decision said yes and that they would be sending out relevent documentation/cards. Today I got a letter in a plain white envelope with my handwritten address on it. Inside is a letter with the…
-
How often does CapitalOne review its classic account for limit increase?
I've had my classic super high interest (34.9%APR) CapitalOne card for a little over four months now and found out in my last statement that they've more than doubled my credit limit (from 500 to 1,100 pounds). I'm just wondering whether they do this every three months or not? If I continue paying-off my bill in full every…
-
GE Money question...
Hi I've just done a balance transfer to my ge money cc.. they were due to take direct debit out on 14\03 however they didnt & that was the same day i transferred the balance so this mornin on checking my internet banking thought i best call too see if they have asked for money.. bank says its due to come out at midnight…
-
Credit Card Payment Protection Charges
Advise Please - I have an Abbey National Credit Card any one know if I am likely to get my Charges back if I claim.
-
Should i try and get another credit card?
I currently have 3 credit cards which of always atleast paid the minimum on. However my DLA has finished now (because of the government reforms :mad: ) and i will strugle to meet the payments. Should i open a new Credit Card? I've had debt for about 10years now. I currently have; Halifax £1000 (0% for 5mth) Morgan Stanley…
-
Trying to shift MBNA balance
Hi, I'm trying to shift an MBNA balance which is currently at 19.9%. I've applied for and got three new cards recently all at 0% for varying times, none have got a great credit limit, all below £1000, but hey, every little helps. I'm now down to £2200 on MBNA. Have just applied for a Tesco card at 0% online, it said…
-
Transfer overdraft to 0% card
I have a 0% student overdraft which I have almost paid off but I will not manage to pay it off in full before the bank changes my account and I have to pay interest, as I am no longer student. I want to transfer the debt to a 0% credit card as I will be able to pay it off within 6 months. Is this possible and which card…
-
Interest on Cash advance (how to pay off?)
I have occasionally used my HSBC Credit Card to withdraw cash in the past - the interest rate charged is now higher than for Purchases so I want to be able to pay off the cash part of the cc debt. No-one at HSBC (in India that is) knows how to help me (save to say "pay balance in full to avoid interest.."). 1. Do my…
-
Credit Card Insurance
Which credit card is the best one to use, for cover against the purchase of new appliances? Thanks
-
The 4 Credit Card Shuffle Conundrum
Ok first of all thanks to all you people on here who have helped me over the past 8 months with lots of money saving. I have been reading for a while but just registered now as I need help with a query. I have multiple debts and need to do something about them. I will do a SOA later but for now I have a pressing query on…
-
When to apply for new CC after paying off old one?
Hi I've just paid off one CC balance (just before 0% rate went up to 19%), but I still owe £6K on another high-interest card. I'd like to move to another 0% deal, but won't be able to clear £6K in a year/15 months, so I'd move part of debt to life-of-balance deal and part to a new card at 0%. The a/c I've just paid - but…
-
Advice please - CCA not signed.
Hi All, I was hoping for some advice re: a credit card that I recently applied for but never actually signed a CCA. I saw a thread on here a while ago where some moneysavers were asking for the CCA to be provided and if it couldn't then I was assuming the debt could potentially be wiped? Anyhow, the reason for the above…
-
Abbey 5% Supermarket Cashback
The 5% Abbey cashback until the end of July sounded good but it's not for on-line shoppers. It's for in-store shoppers only ..according to the Abbey helpline. Has anyone tried it on-line and got a different result?
