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interets rates!!!
Hi I have three credit cards and im paying 23% on all of them. I want to shift the balance to one low interest card, but i cannot seem to get a new credit card. I read about the card shuffle but theres no point in this becasue all my cards have the same interest rate! I also have 2 loans as well so dont want another, and…
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Sky Card
Applied for a new Sky Card at the beginning of May and not had a YAY or a NAY. Called them twice and all I get is we will be in touch. Anybody else have to wait this long for an answer or have I been declined:confused: and therefore not worth bothering with?
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Capital One credit limit
I received my Capital One World card at weekend with a £7500 credit limit :eek: Are Capital notorious for giving high credit limits or does it mean i have a good credit rating/low risk/something else?
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mystery interest charge on £0 balance?!
Hi, first time post. I recently paid off all my credit cards in full before the payment due date. I then got new statements through from two card providers. Expecting to find the balance at £0, I was surprised to see £2.50 owing. When I looked at the statement it said it was interest charged. Strange, I thought as I paid…
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Closing Credit Card Accounts - possibly stupid question
I'm going travelling for almost a year from September and I have four or five credit cards. Obviously, I'll need at least one to go travelling, but I'd like to keep things really simple while I go away, in case I get robbed or something. I'm going to keep my Nationwide Visa open and possibly one of my Mastercards. I'd like…
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Newbie wanting a card
Hi. I am 18 years old, in full time further education and will be going on to do a degree course this September. I have no credit history and am on the electoral resistor. Over the summer, I want to work at Glastonbury and Leeds festivals and need to pay a £160 deposit. I don't have this money and therefore want a credit…
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Lloyds TSB Credit Card - Cheeky or what???
Hi guys I'm a newbie but I have been lurking for a little bit and I thought I would tell you this. My dad got a letter from his credit card company (I think its with Lloyds TSB) telling him that if he spent £400 on his card in the next 3 months he would get to stay a weekend in a hotel for free. Sounds nice eh?? :T There…
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Would my credit limit remain the same?
If I transferred a balance to a new card would the old card still be open and offer me the same credit limit?
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Egg Cashback Credit Card
currently have a Abbey MBNA credit card but it only pays 0.5%, but I stumbled upon the Egg credit card and it pays 1% is this on all purchases, it also pays a better cahsback from some of its selected online stores, and also 4% interest on credit balances-have I misread something on their site because its a credit card??…
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Is it possible to do a Super Balance Transfer before recieving your credit card?
Ive recieved my PIN number and also some attached cheque slips, but haven't recieved my credit card yet. Recent letter says it will take 7-10 days, even though the previous letter i recieved with my PIN said 7-10 days back then too :rolleyes: I was wondering if it's possible to do a Super Balance Transfer now that ive…
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fraud on credit card
Hi My credit card has had some fradulant transactions which appear to have been picked up by my bank in the authorisation stage so only one seems to have gone through, these all seem to be card number related rather than chip and pin, now Im not sure how easy the number is to get hold of and use but my wife had a thought…
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Overcharged Interest on Balance Transfer
I opened a credit card with Texaco - to do some tarting in May 2005 - I transferred over 3 balances, but only 2 were put on the deal I wanted - 3.9% for life of balance. Stupid me - didn't realise. Account was transferred over to Lloyds TSB in July 2006 with no change in terms. I started receiving paper bills 12 months…
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Overcharged Interest on Balance Transfer
I opened a credit card with Texaco - to do some tarting in May 2005 - I transferred over 3 balances, but only 2 were put on the deal I wanted - 3.9% for life of balance. Stupid me - didn't realise. Account was transferred over to Lloyds TSB in July 2006 with no change in terms. I started receiving paper bills 12 months…
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balance transfer, when credit card is closed
Hello, Could anybody tell me if it is possible to transfer a credit card balance to another credit card company, even though the orginal account is closed. The credit card company is charging a lot of interest on the bill so I need to get it transferred to a 0% interest card if possible. thanks
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How do I know they have closed the account?
Hi, I have had a recent trend just recently where I close store or credit cards only to receive 'loyalty vouchers', 'member discounts' etc. sometime AFTER I was informed the account was closed. I always request written confirmation when closing an account however I am often informed this isn't possible. Is there any way I…
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Part payment by credit card, can it be refunded?
I'm getting married later this year and MIL to be made a payment towards the cost of the reception, £1,280 out of about £3,000. She paid this money direct to the hotel on her partners credit card and it was deducted from our bill, we've also paid some money off the bill to make the final amount less scary... Now my future…
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Mbna
Is it true that MBNA are a sub-prime issuer. I have been turned down by JJB and Aqua but accepted by Vanquis, Barclaycard and CapOne....would MBNA be any good.
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HSBC reduced my interest rates...
Hi there i thought i should share this with you people. my HSBC credit card interest rate went up in last year from 15.9% to 22.9%. after that i was so !!!!ed off that i decided not to use it anymore because its not worth when you have options in hand.so i did a balance transfer from HSBC to barclays and left this card…
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A second CCJ for the same debt??
I defaulted on my Barclaycard (£1,200) and had a CCJ registered against me in 09/05. Since then I have bben informed that the debt has been sold on to a third party and thet are threatening increased charges of over £1000 including interest and applying for another CCJ to be made against me. HAs anyne got any advise for me
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Credit Card Limits
CAPITAL ONE - they say they increase limit after 3rd statement and before 4th statement....if I make a payment immediately on receipt of 3rd statement then how long after that will I receive my increase, and what will new limit be (I am currently on £200). Also does anyone know what BARCLAYCARD INITIAL procedure is for…
