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Credit cards

Archives for April 2008

LLoyds TSB Mastercard Platinum Mastercard application query
Hi, sorry if this has been answered before but I couldn't find any information on the Lloyds website so I am hoping someone on here may be able to give me advise. I applied for the Lloyds TSB Platinum Mastercard 8 days ago but was in a hurry when I was doing it as I had to be somewhere and I didn't pay much attention to…
Thank you Barclaycard, stuff you Lloyds!
I turned 18 over a week ago and yes i applied for a Barclaycard inital on my birthday. Well i thought to myself, i have the income i have no credit history except for an overdraft lloyds opened and shuted, hence settled on my credit file. So i applied and they accepted me. But As soon as i upgraded my lloyds account, i…
Cut Your Credit Card Into Millions Of Strips
Personally I have never owned a credit card in my life. I would never own a credit card. I have always said I would never own a credit card and I will stick with this till I die. I believe it is the sure fire way to get in debt fast. Nowadays it seems like everyone has a credit card. It seems to be the modern attraction…
Company card with a low credit rating
All, I have good news to start with. I have just been promoted to a new, better position. The new role involves the use and issue of a company credit card (AMEX, if I am correct). As my credit rating isn't famous, will AMEX refuse to issue me a corporate card? The company will pick up the bill by the way. Will they/can…
Card fraud
Hi, I have just had a phone call from my building society (fraud division) to say that someone has tried to use my debit card several times over the last month! The only questions he asked me were my security ones. He knew the last four digits of my card number which he wanted me to confirm so that he could order me a new…
card or cash
Should i spend on my Alliance and Leicester vias debit card when i go abroad to Australia, or should I get a certain amount of money changed up here before I go. I know the card charges 2.75% load
mis sold balance transfer
hi we just tranferred a balance from one card to another, because we had virtually nil on the new new card and rather than take a 0% for x amount of months we took 6.9% for life of balance, but we have just had a statement and they insist that minimum 5% is paid each month which we were not told about when we did the…
balance transfers when on benefits
Hi Im new to the site so this is my first ever thread (1st of many most probably!):j Does anyone know if you can/ or has anyone been able to transfer balances to to an 0 % card offer whilst on benefits? I have recently had to leave my work due to a health problem and so will be on incapacity benefit (from 1st may). Ive…
Credi card cheques
Hi All Can someone help me with a question i currently have a balance on my credit card and mbna have sent me some credit card cheque's at 0% till april 2009. If I use the cheque to pay off the balance of another credit card. Will mbna then charge me the cash intrest rate from april 2009 on the balance t/f or will it be at…
transferring 1 mbna to another mbna
I've got 2 credit cards, Virgin and A&L, unaware they were both issued by MBNA, i tried to transfer the balance of Virgin to A&L, but was told i cannot transfer 1 MBNA to another. Can they do this?? I am paying interest on both, i did try for a new credit card but got declined.
HSBC CC how long b4 considered new customer?
Hi, I have had a HSBC cc for years I would quite like the 0% cc. If I cancel my existing card which has a zero balance how long would it be before I am considered a new customer worthy of the o% for a year??:rolleyes: Any advice appreciated!
refund to credit card - quick response appreciated
I have had an order cancelled and it says it will be refunded to my credit card. I do not want this because I've already paid the bill off with my debit card. Is there any way I can stop the refund going onto my credit card, and instead have it refunded to my debit card ??? Appreciate a quick reply so I can sort it out…
Will I get credit? With crunch..
Hi, Im soon to take out car insurance and want to pay it all in one go to save fees, rather than monthly as i have done before so im looking for a 0% intrest card. Now im 19 and in part time work (uni student) but have a reasonable income. I have had three credit cards in the past my most recent being a mint card I applied…
"Experian offer a 30 day free trial"?
"Both Equifax and Experian offer a 30 day free trial of their online subscription services, you can apply online via these links" I did. But within a week of the 30 day free trail creditexpert.co.uk took out £5.95 from my bank account. What's going on, Martin Lewis?
Barclaycard Direct Debit
Hey Folks, Quick Question really... try and simplify it for you.. I have a DD set up on my Barclaycard for the min payment.. I decided to pay extra this month so i made an online payment for the extra amount on top of my DD amount.. this was more than the minimum payment anyway... I expected my DD to come out yest but it…
Offsetting
hi There, I have a FD mortgage fixed for 2 years. I am wanting to form a large stoozing pot but would like to know with all the high BT fees, 2-3%, what benefits is my stooze pot going to have on my offset mortgage? Is there an offset mortgage calculator that can do the sums for me? At what point does the benefits of…
T-mobile no longer accept CashPlus MC for payment
After two weeks of trying to pay my T-mobile bill by CashPlus MC (which I have done for the last 12 months) and despite having two contracts and just renewed one for a further 12 months I have learned that they have made the decision to no longer accept pre-pay cards. I have complained and complained but have got nowhere.…
Applying CC - what to put for employment?
My husband is just finishing his MA to become a music teacher, literally three weeks to go. He has a job lined up to start in september, contract signed etc. What do we put under 'employment' in the CC application? Can we count him as already employed, or do we have to call him a student? Thanks SArah
MBNA Existing customer Promotional offer advice
I have an MBNA Credit card which had a promotional balance transfer rate of 0% when I signed up last year. Unfortunately I could not pay off as much as I wanted due to losing my job last November so I have £400 outstanding which is being charged interest. They have recently offered me a 0% balance transfer until January…
FOR INFO ONLY: Debt Collection Documents
Hi everyone, I'm sure these have been posted before, but when complaining to either of these bodies re: a Debt Collector, I found it useful to have these supporting documents as evidence Credit Services Association (CSA) Code of Practice: http://www.csa-uk.com/csa/code-of-practice.php (there is a link at the bottom to…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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