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Morgan Stanley CC
Just received my statement and they are offering 0 percent for 9 months. The fee is 2 percent. Then again my credit score is 1000 from Experien so would not expect anything less.
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Paid Off but still charged intrest
last month I had a balance transfer come through for a credit card, which paid it off. 9 days later, I had a statement come through, with the balance transfer payment on there so I would have thought my account would be £0 with them but they charge me intrest on my cash balance, could someone explain???? thanks in advance.
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Residue Interest
What is residue interest? We asked why we had been charged interest even though we had paid off the total amount owed for the month. We were told that the interest charged is "residue interest" from April...? I have never heard of this in relation to Credit cards!... The call centre Manager is going to call me back to…
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Bank Error ruined my credit file!!! HELP
Hi, My credit file has been ruined by a massive bank error through no fault of my own. I applied for a Barclay Card in the mid of 2007 with the intension of transferring a balance onto it. When I received the card it came with a very low credit limit so I decided to cancel it straight away. So I called the number printed…
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help with my credit cards
I need help reducing my credit cards and i know that there are alot of companies that can help but i am unsure of which company to use:mad:. I hope that someone can give me a little bit of direction
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0% and default
Hi all Is there any way getting 0% card with default registered in my name since march last year witch is been settled for 3 missing payments? I do have 4 cards, natwest, Barclaycard, cit and Halifax with only natwest had been paid fully, is there a way of negating a 0% for existing customers?? If so which one if these…
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MBNA/Abbey 2 Balance Transfers - Quick question
Hello all, Hoping one of you can help me with some advice on my MBNA/Abbey card. I have just got a letter from Natwest to inform me my account is changing and my overdraft will go down to £100 - I have -£1000 in there at the moment at the end of every month so I was wondering if I could do a £900 balance transfer onto my…
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MBNA, missed a payment, what next ?
Have £3,000 on a MBNA Virgin Credit Card and missed a payment of £65 and can't afford to pay this due to circumstances I've ended up in. They are sending me letters with a number I can call if I am having problems making a payment and if I don't get in touch, my credit score could be affected. My question is how can they…
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Recording phone calls to Credit Card customers services?
I've read a few posts where people say they record their dealings with customers services, I need to do this as I'm fed up with conflicting information or nothing actually being done despite many phone calls. Obviously it's very hard to prove that so and so said this on this date and their rude accusing telephone manner.…
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Help picking a prepaid credit card
There seems to be so many different ones out there to choose from and I find it hard to get my head around it. Me and my husband only got a cash card at the moment due to bad credit history. We finally got ourself debt-free last year and now would like a credit card for emergency's only, something we can put money in…
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Tesco Credit Card Charge For Going Over Limit
Tesco CREDIT CARD have applied a charge of £12 for allowing me to go over limit, i had no idea i had and that credit cards allow you to do so and i had no idea that they would charge until i got my statement (although i did receive a letter and paid the over limit back straight away, this was not a large amount by any…
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Existing Customers Barclaycard Offers?
Hi I am looking to maybe buy a new card and I am looking maybe to put around £4000-£5000 on my barclycard. Is there any offers around at the moment for exisiting customers to get? Say 0% apr for at least 12 months, so I have time to pay it off without any extra chargers. As I could see this being better than taking an loan…
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Default removal??
Bear with me people please, I was reading martin’s book and in there he mention that some company can fix credit file by lying and saying you never received the letters, now that if it is a lie but what if it was true??. I have 3 missing payment with an old current account in my credit file that is settled now. I opened…
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late payment charge on 0% balance transfer card
Hi, Got a late payment charge on a 0% balance transfer card (silly, I know, but overlooked it and have now set up a regular payment). Now the statements showing an 'estimated interest' for the next payment. Am I now going to be charged interest for the term of the card?
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Best card for students
In the student forum there is a thread about should you open a credit card The main view was if you not going to use it recklessly then its a good idea for the extra protection and help build credit rating for later life. What is the best card for a students? My current account is with nationwide, when 18 applied my debit…
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Pay Off Debt...
I currently have £6000 that does not need to be paid off urgently (but does need to be paid eventually though!!). My wife and I are moving overseas at the end of this month and will be looking for work. I have a £6300 overdraft on my current account (but will still be charged interest). I also have two investments which…
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Help!! CC application on line
Hi everyone, I have just applied for a capital one cc with 0% until Sept 2009. I would like to transfer a £6700 balance to enable me to pay it off quicker. I applied online and it didn't give me an immediate decision, should I be worried? MSE does say you need an excellent credit rating to get one and as far as I know I…
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Balance transfer someone else's balance
Hi, Is it possible to transfer the balance from someone else's card onto your own? My partner has some credit card debt and a poor credit history so cannot get a 0% card to repay it off, so I want to open a card myself and transfer her balance onto this so she can pay it back through me rather than paying £40 a month…
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odd CC query...
grateful for your advice! we called our CC company at the weekend to check our balance in order to transfer it to a new 0% card. they advised that we had no outstanding balance and that we were actually in credit....it seems that whilst they have accepted our last payment they have also allocated another payment to our…
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Credit cards with 0 % APR on BALANCE TRANSFERS with no/minimal balance transfer fees
Everyone knows the advantage of taking a balance transfer at 0% APR. Even if you don’t have other credit card balances to pay off, request a balance transfer to your name. And have extra money to spend or put the money into a bank and make money off the interest. Best offer by bank: Citibank- Citi Drivers Edge Visa for…
