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Do I owe the interest or not?
Heres a wee question for ya's! Last year I ran up quite a hefty credit card bill with MBNA that included some cash withdrawals, which I know incurr very heavy interest charges. I had full intentions of paying it off as soon as possible in one lump sum which I did and the month after I paid it off I got another bill for the…
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New to CCs. Quick question.
Hello, I'm new to posting here but have used this site to save hundreds of pounds this year.I am looking at getting my first credit card (either egg or American Express casbacks), and have a quick question.I do most of my shopping at Tesco (this question applies to any refund really), if I buy an item and then choose to…
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Halifax One life of balance transfer offer
I have the above the card. Through the post I was offered a 6.95% rate to switch balances from other cards, for the life of the balances. I have over £9,000 available on the Halifax card, enough to cover any balances I might switch. I don't have this amount of available credit on any of my other credit cards? I know I'll…
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Halifax Balance Transfer
Hi first time poster on this forum but I regularly post on the gambling loophole forum. I just walked in my local bank to find a moneybookers reference and was asked whether I had a credit card and yada yada yada then said the computer says it's guaranteed I get one. Do all the talky stuff and says he can offer me a limit…
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Monument Credit Card
Just wondered whether anyone had any dealings with this company and how easy/difficult it is to get a card. I have a really bad credit rating and have been declined for Capital One/Vanquis and want to rebuild my rating.
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CC Purchases cleared before balance transfer
Hi all. Took out 0% Barclaycard in Nov but had to use for purchases as had handbag stolen with all my cards. Just noticed being charged interest on those purchases at a high rate. Have been told Balance transfer cleared first before purchases! So I will pay interest on full amount until cleared. Anyway around this folfs or…
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cancelling old credit cards
I always try to cancel any old credit cards not just cutting them up. Is there a way of finding out if there is any i have missed as i hate to think that my details could be still live on account i do not know about thanks
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Talk me through credit card please ppl!!!!
Right basically looking at my first credit card to tied me over the summer, good income credit ect just need abit extra to juggle things around, however this is my first credit card so this is what i dont understand, EG card im looking at 0% on purchases for 12 months typical apr 15%, Does this mean the following if i…
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Morgan Stanley 5.9% for Life ERROR!
Hi all I wondered if someone could advise me before I waste anymore time on Morgan Stanley (now Goldfish). As an existing customer my husband received a balance transfer offer letter offering a rate of 5.9% for the life of the balance. We then discovered that their letter was a typo and it should have been 5.9% for 5…
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Thomas Cook Credit Cards
Hi Peeps. I have just been accepted for a Thomas Cook Card. Can you give me an idea of the limits they shell out. OK i know about different circumstances etc and take that into account.
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Direct Debit on a Credit Card
Hello Everyone This is my first time on this forum, please could someone help me!!!!! I am trying to cancelled my ISP since February but I have been told they cannot do it for some reason, I pay the bill every month by a direct debit on my credit card, I thought that if I cancel my credit card they could not take anymore…
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Cashplus Gold or Titanium?
I have cashplus titanium and wondered if anyone else has ever paid money onto it by standing order or bill payment? On the cashplus website for teh godl card says you can pay by standing order no mention on titanium site but whichever one you log onto take you to same place to check your account, the payee, account number…
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Is it OK to apply for New Card?
i, I have the following cards:- Halifax One - Limit 5k Balance £2.5k A&L Visa - Limit 5k Balance 0 Egg Money Limit £1500 Balance £100 cr Co-Op Gold - Limit 3k Balance 0 Natwest - Limit £1200 Balance 0 Argos: Limit 1200 Balance £25 Balance transfer rate on the Halifax is due to expire next month and would like to apply for…
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Credit Card Query
I have just got my credit card bill through the post.Included on the bill was a payment of £175.00 for a item i have since cancelled.The money is now showing in my credit card account as a credit,but i still have the item to pay on my bill.Do i still have to pay the credit card company the £175,and accept that i have a…
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Lots of credit cards - does this affect my credit rating?
I'm tempted, very tempted, by the amount of money I can make through cashback websites (such as Top Cash Back, Greasy Palm, R Points etc) by applying for new credit cards. I have no intention of using the credit cards, just want to get the cash back and then close them again, but would this amount of "applying for new…
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Improving credit rating - savings accounts
Hi there, I've just been reading up on how to improve my credit rating. One of the points is not to have too many accounts. Does anyone know if this refers to bank savings accounts? :rolleyes: Many thanks S
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M&S Card
Hi All. I just applied online for an M&S card. Do you know how long it is till you get an answer from them..?. Is it sent by snail mail or e-mail. I thought it might be an instant decision but it looks like it's not. P.S. Could you guys give me an idea of the kind of limits they give too please.
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Looking for a credit card company with UK only call centres
Hi all, I am looking for a new credit card for a balance transfer - I see that HSBC looks the most attractive offer however I believe these have call centres based in India, and after my previous disastrous service from Barclays I would want an card with a UK Only call centre (like Egg which I already have) Can anyone…
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Amex moneyback card
Hi, I applied for an amex platinum money back card, but got a amex platinum card. Has anyone had this discovery too? Definately not my fault, as i have the original application number, and details in front of me. Arhur
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What do i say when i want to claim on my credit card repayments
Hi everyone just a quick one i have not worked since last year and been sick with a bad back since xmas just waiting on my mri scan results to see whats causing me so much pain. I have just seperated with my husband so im having to get income support (not for long i hope) as i have never been on benifits before,so i really…
