-
Two Credit Card Applications
Hi dont normally come to this board so any help much appreciated. Can i apply for a Virgin CC in my name with my husband as second card holder and can he apply for one in his name with me as second card holder.
-
capital one classic card problems
Hi all, Just recently we applied for capital one classic credit card due to having no credit history well so we thought we had no credit history. Well we was accepted and was given £100 credit limit which is ok has we only needed it to increase our credit rating for a mortage in the future. Problem been we have just found…
-
Loan Consolidation
I hope you can help, I have a small bank loan 6K with a couple of K on a card which I would like to transfer the lot to a card like Citi banks fixed rate card. The card balance transfer is eassy but how do I move a Bank Loan on to a card?
-
Advice Needed
Hi there, I wondered if anyone could give me some advice about what we should do. My partner has a Nationwide credit card with approx £3000 on it. We want to take a holiday this year and have so far saved £1000 and it looks like we will need another £1500. We know we wont have enough saved by the time we have to book it…
-
Tesco credit card
Does the Tesco credit card accept balance transfers from MBNA cards ? ,if not which cards do ?
-
£2k cash without interest
I am around £2k short for a new roof for my house and was wondering if there was a way of borrowing without having to incurr interest charges. It would only be short term as I would be able to pay it back in 4 months so wasn't sure if all these 0% interest credit cards would help. I've never had a credit card so wasn't…
-
Barclaycard/Leisure time petrol vouchers
£10 worth of free petrol-just remember to cancel before the 30 days dont think the discounts are worth joining for.
-
How to calculate interest
I've got an opportunity to have 4.6% on my debt for 6 months - how will the interest on this be calculated as I understand it's an annual percentage rate? Thanks...
-
Overlimit Fee
I went over my limit on my credit card and on my previous statement my balance was £2645.33 (credit limit £2600). My minimum payment was £59.00 and if I paid this my interest would be £43.76, so I paid £90 thinking this would take me below my limit, but I have just received a new statement and my balance is now £2611.09…
-
Abbey Credit Card
I applied online for an abbey card but thought I had been rejected. got a letter through and says the offer was conditional and they need proof of ID etc. I now ironically do not need this card for a transfer as i sold my card and paid off most of the old intended transfer balance. Whats the best thing to do? Ring anf…
-
Customers Pay For Card Fraud
Stuart Cliffe of the National Association of Bank Customers said: "Phantom withdrawals from consumers' accounts have not gone away since the introduction of Chip and Pin, but now a bank's typical response might be: 'Chip and Pin technology is failsafe. If money has disappeared, it must be your fault.'" Eddie Wetherill of…
-
repaid in full now Bank asking for money again
Please can anyone advise me of the best way to tackle my problem, I cant see any similar situations when I searched, but I as I am really angry I might have missed something in my haste. 1st April 2005 my solicitor repaid the full amount of my debt to Red Knight who were acting on behalf of the Nationwide Credit Card. Now…
-
Capital One v Shell Citi credit card - Cashback merits
Don't know if I should post this as a new thread but basically would like some help choosing between these cashback cards: Capital One v Shell Citibank I've dispensed with the AMEX card cos of acceptance issues - simplicity is it for me. The capital one card is attractive because of the idenity theft thing and free credit…
-
Late Payment Charges.
I recieved my NatWest credit card bill for January stating paymnet must be made by 7th Feb so I posted a chq on Jan 29th and sent it first class. When my statement arrived it stated the payment was recieved on March 8th so I incurred a twelve pound late payment charge. I was annoyed about this as I have no control over…
-
Goldfish, Citi which credit agencies do they use
Hi, first ever post, does anybody know which credit agency goldfish and Citi use. My score is: 829 with callcredit 741 with experian 683 with equifax Therefore wish to avoid applications for cards that use equifax. Any info very welcome, wondering how good is my best score and just how bad is my worst . thanks
-
Cashback cards - how exactly?
Hi there, Looking through a cashback card's site (CITI) and realised I had no idea how the cashback is paid to you. On CITI's site, it says "Just keep buying Shell fuel in Great Britain each month, and we will automatically credit your Shell MasterCard from Citi account with your accrued rebate up to the value of your…
-
Barclaycard high street voucher
Dont know if anyone remembers but at the end of '07 - October / November time Barclaycard had an offer where you got a £50.00 high street voucher if you signed up for a Barclaycard by a certain date and then made a purchase with it. I did this within date but never received my voucher. Did it through a link on this site…
-
0% on purchases
I've been offered an interest free period on purchases on one of my c cards. If I made a payment on my other c card with it would it be classed as a purchase? Just wondered if it could be used to transfer some of my balance. Thanks
-
eek, confused about best long term purchase
I'm about to buy a car. I have about 1/4 of the price in cash and planned to write a credit card cheque for the rest (£4600) and then transfer onto a 0% card and pay off the balance within the 0% period. BUT I find out now that the cheque incurs a 3% fee now and if I do a balance transfer (was planning Sainsburys as it's a…
-
Changing one barclaycard for another?
We have a gold Barclaycard, had it for probably 20 years - £14k limit, ( no balance at the moment as everything is on 0% cards) I saw on the barclaycard website that there is now a low apr card - simplicity at 6.9% for life, transfers and purchases. We have a 0% Virgin card that is up in November and by then will have…
