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Egg Card - Fine and interest putting me over the limit
Hi, I have an egg card with a £600 limit. The balance was at roughly £582 when they decided to add-on an overlimit fine of £16 and the interest on the same day to put me on £607. Will I be classed as being over the limit and due another £16 fine? If I am I will be absolutely livid! Thanks,
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Never had a credit card and need advice
Hi there! As I've said in the title I've never had a credit card before, however since I've moved in with my boyfriend I now owe a catalogue about £200 pound. I receive a monthly bill from them with a minimum payment which at the moment is all we can afford to pay on it. My other half has a couple of credit cards and he…
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Looking for BT - Equifax only search
I know this has been asked before, but try as I may I can't find the relevant threads! Does anyone know who of the CC companies only searches Equifax? Both of my credit files are clear with Equifax and Experian, but Experian shows an association with my wife. Experian has an erroneously reported default notice that we are…
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Halifax credit card - 'good junk mail'?
I have today received junk mail from Halifax cc. There is a specific code to quote when i apply and i was wondering if anybody knew if this is likely to be favourable for my application or was simply for marketing purposes?
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Can you recommend a good european credit card for a noncitizen
do such things exist?
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Prepaid Credit cards...improve my credit?
my credit is poor and i want to try and improve it to do this i was recomended to take out credit i.e. a credit card and make sure that repayments were met. the preoblem is that having bad credit i cant get a card. I was told from a credit checking company that prepaid cards can improve your credit rating... but surely…
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Transfering overdraft to credit card?!!
Advice please! I'm paying 17% interest on my HSBC overdraft over £500 (-1100 balance). I've heard that you can transfer overdradts with certain cards i.e eggmoney and MBNA, does anyone know which ones work and had experience of it? Don't want to have to apply for 2 more cards because the egg one is like a 'mule'.I don't…
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emu1
please can you help,i need a £2500 and I am not sure which is the best option.A bank has offered me a loan with repatments of £80 per month for 3 years,could I benefit by using an interest free credit card which I could get as I have good credit rating.I cannot seem to find out how much the repayments per month would be…
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Can I rely on my credit card in Thailand, and put cash back onto it?
Hey - I have a new Halifax credit card with a £1150 limit on it and 10 months interest free credit. I brought some flights for £645 which my father is going to reimburse me for, and a Zune for £200, so now have around £200 left on it. Can my dad put most of the cash he owes me back into my credit card? No matter how much I…
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Was late on payment now lost my 0% interest?!
I rec ently transfered just over £2000 onto an Alliance & Leicester 0% interest free card until next year but as I was late on a payment last month they have now charged me over £35 interest! I am gutted - it cost me to transfer and I am a stay at home Mum with little cash and just wanted to stick this on 0% and pay the…
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Help anybody!
Just wondering if any one could help me? I Have a few cc im going to pay of in full & was wonndering on 1 i owe i think £1500 can you negoiate with the cc company if your paying in full to get a better deal rather thann paying it all as a lot is intrest Any ideas?
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Account Numbers
Hi there, I've been lurking here for a long while but now deceided to finally do something about my debt. Anyway I've looked through my credit rating on experian and obtained details of cards that I've held in the past that I know I had charges on. My problem being, I dont know the account numbers. Is it possible to obtain…
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Business credit card "approved"
Hi, I run my own business (sole trader) and recently applied for a business Barclaycard but was turned down. Today I recieved a letter from Barclays (who I bank with) saying that I have been approved for a business Barclaycard. I promptly rang up and have applied again as the woman on the other end of the phone seemed to…
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How do I tell Virgin I don't want their identity theft protection?
Hi All, I'm soon going to apply for a Virgin Credit Card, and I've read many times on these boards that they really really try and push their ID theft protection insurance on you. When you ring to activate the card, what is the best thing to say to them to make it clear you don't want it? If they try and offer me PPI or…
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ID protection from barclaycard
i set up an ID protection policy with barclaycard in 2007. i now have id protection through a bank (Lloydstsb) and have just recieved a statement from barclaycard with a £69.99 payment on it fro the ID protection policy for 2008. i haven't recieved a letter of renewal, or been contacted by the. i called them and they said…
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credit report fine, declined on two credit cards? where am i going wrong??!!!
hi, i am off backpacking for 3 and half months on the 29th of june and so put in place a debit card and credit card to provide me with cheap spending overseas. following the advice of MSE i got a nationwide debit card and then applied for the abbey zero credit card and was declined, so failing that i applied for the post…
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Transferring a balance from NZ credit card to UK
Is it possible to transfer an outstanding balance of approx £3,000 to a 0% rate with a UK bank? A colleague of mine has recently moved to the UK from NZ and would like to know. Thanks a lot!
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balance transfer of current account overdraft
Just wondered if anybody could tell me whether I could transfer a current account overdraft onto a life of balance credit card using a balance transfer. thanks.
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BACS transfer with bank account?
I have a couple of hundred pounds in cash that I want to pay into may Egg credit card without it going through my joint bank account so that I can buy something as a surprise. Is there any way I can make a BACS transfer without using my bank account? Can I just walk into any bank and fill out a BACS transfer and hand over…
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How long before I can apply again for a Virgin card ???
I have checked and can`t seem to find a definitive answer to this. I applied back in March for a Virgin card and it was rejected / refused even though my Experian credit rating is 875. My question is a simple one... When can I re-apply again? :confused: :confused: Thanks In advance.
