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Help - green & new to cards!
Hi - always been wary of credit cards & never had them - always saved up for things before I buy - but anyway - We were going to get a loan to do a few major things on our house. Well to add to our existing mortgage they were going to charge us £550 set up fee! We have 15 yrs left. So next best - to borrow money on card at…
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Credit Cards Issued Without Permission
After applying for a mortgage I have found out that I have had Credit Cards issued by a bank in my name. I have never signed the Consumer Credit Act with the bank in question and their representitive has signed all of the sections and left my spaces blank. Who can I complain to if the matter isn't resolved. I've been told…
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Pay off balance or not
I have enough savings to pay off my credit card bill of £1600. I know you will say- "Pay it off", but this will leave me with little or no savings incase of emergencies! What would you do?
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Credit card firm sheds 750 jobs
http://news.bbc.co.uk/1/hi/england/nottinghamshire/7337089.stm
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pre paid credit card question
does anyone know if i can go into a shop and buy a pre paid credit card rather than order one on line?
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Will the Barclaycard loophole save me money?
I currently have three credit cards; NatWest Credit Card: £367.41 @ 18.9% APR HSBC Credit Card: £337.76 @ 18.9% APR Barclaycard (£0 @ 29.9% APR) I have just been looking through various Credit Card related articles on here and have noticed one talking about the Barclaycard loophole whereby existing customers can use their…
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Post Office Credit card - decision through post?
Hi, applied for a post office credit card which I thought gave you an instant decision at the end, however mine said that they are sending it out through the post and will arrive within 5 working days! Anyone else had this? I'd appreciate some advice as how I should be applying for credit cards, I lived in university…
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Credit Crunch Credit Card Declines?
Hi there, I've been declined twice in the last 2 months for credit cards. First time from Barclaycard (fraud prevention apparently, although I wasn't on the electoral role at the time) and secondly a few days ago from Tesco for my credit score. I applied for a report and score through Experian. My report showed some…
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CIFAS Marker - Please help me someone - I am sick with worry
Dear Moneysavers Can someone give me the right advice? I applied for a credit card last august and was declined - no reason given. I am due to remortgage this month and I got my credit file and it had a CIFAS marker on it. To cut a VERY long story short, on my credit card application, I put I had lived at my current…
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Improving your credit score
Does paying off & closing down an unused card, paying off a loan etc improve your credit rating. I know the agencies score is not worth the paper its written on. But do lenders see you as a better future customer when they see all the 00000000's and settled accounts
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How long does it take for a closed account to appear on your credit files?
I want to close a cc and apply for a new one. How long from closing a cc account will it take to show up when searched on my credit files?
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MBNA platinum card for cahoot ..... another one?
Hi I was thinking about applying for a mbna platinum card to clear the balance of my cahoot flexi loan and enjoy the 0%. I've just received a letter from abbey saying they're upping my APR to 19.9. Obviosuly I don't want to stick with Abbey, should I try and ask MBNA for enough credit limit for both or should I apply for 2…
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"Secure" Credit Cards?
Hi everyone, First of all, please forgive my total ignorance on issues surrounding credit cards. I only know that I use them to buy goods, and I pay them off in full thereby avoiding interest. I also have three cards, one of which has been "compromised" on two separate occasions (the card was cancelled both times) to the…
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A&L credit card - Quidco-Betfair
Hello - just a quick question. After looking through Quidco I joined the many and opened up a Betfair account with £10 to bet on the Grand National to get £50 cash back. I paid the £10 using a debit card and then it said that my age needed to be verified so if I topped up by £2 this would verify my age (over 18) & they…
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Recommend a card for use in America?
Hi, we are off to Florida later this year - we've never had a credit card but think this might be the best thing to use whilst there and pay off when we come back. What do you think and has anyone got any recommendations?:confused: Many thanks, Ali
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WARNING... Late Payment may lead losng 0%!
I had a 0% deal with MBNA. I paid on Direct Debit, and over the Easter Weekend the payment was two days late. Not only did they charge me £12.00, but have also removed my 0% offer - permanantly! Apparently this is all theT&C's - but I issed it in the small print! Anyone else had a similar problem? Any Suggestions?
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Citibank Balance Transfer con?
I recently applied for the Citibank 5% for life of balance transfer Platinum Mastercard. I have only one other credit card which i wanted to transfer, i earn quite a high wage and i have no CCJs etc etc. I received my Citibank card with a whopping limit of £2250 of which only 90% can be used as a transfer. I rang citibank…
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Balance Transfer or pay off
I am intending to spend quite a high amount of money on an extension and have about £22k for 12 months on interest free credit cards. Already have another £20k in cash and this should cover the cost of extension ... hopefully! I will be getting dividend from my company (own business) hopefully in October. Would you bank…
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Credit Card Mortgages
How do these work? Can they work? I mean, we have a 60k mortgage, would it be possible to get say...7 x 0% credit cards and keep transfering year after year? This sounds high risk to me.
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HELP! Which is the better option?
Morning all, I have a quick question. I have two credit cards. One from MINT which has £0 on it but has 0% on balance transfers until 1st November and I have one from Egg which has £1437.94 at 7.9%. Would I be better off leaving the balance where it currently is at 7.9% or transfering it to MINT's 0% card until 1st…
