Credit cards

Archives for July 2008

HSBC card - how long after cancel to reapply?
I cancelled my hsbc credit card as they wouldn't give me any good deals. How long do you reckon before i can apply to them again and use their 0% offer for new customers?
Tried to make a payment & I'm confused!
I got myself a barclaycard a while back to use for buying stuff on line, I dont spend a great deal on it & try to pay it off in full if I can. I've made payment until now by posting a cheque but forgot to do so in time. With the due date for payment the 4th August I called the customer service line to see what my options…
Credit card cheques with Virgin credit card
Hi guys, I read the section on balance transfer cards, as I currently have 2 credit cards, one of which has roughly £400 out of £450 credit limit, and one has about £1100 out of £1400 limit. I stopped spending on them a while ago, but still havent been able to repay them. I applied for (and after a few days got) the Virgin…
Can I Get a 2nd Card with a Provider and Still get 0%?
Which credit card providers will still give you 'new customer' (ie: 0% BT and purchase) offers when you take a 2nd card with them? If any? Can't find any info about this on any of their websites, but maybe I am not looking hard enough? Any help would be appreciated!
Credit Card Loan??
I was looking to take out a loan to buy a new car as I have recently aquired a new job with an income sufficient to pay it off fairly quickly. (just over 1k a month after tax), Now I'm in a very fortunate position in that I live at home and my outgoings are limited to car expenses, food and miscellaneous expenses totalling…
Credit card charges
Hi can anyone help, Had a credit card with lots of late payment charges, now the bank has passed it over to debt collectors. Is it possible to claim the bank charges back? Or is it too late?? Thanks for the help Darren
best card for me-not working at the mo
Hi can anyone recommend a card for me? Am on a career break til next year and have no income. Can I apply for a 0% interest credit card or will they decline me straight away? I want to transfer my overdraft onto a card to stop paying silly amounts of interest to my bank. Please help!
Credit limit on Sainsbury card
After using this card for over 8 years, I've just had my credit limit cut by nearly 75%. This was without warning and the information took 5 days to reach me. I am sure that this is more to do with HBOS's credit rating than mine! (Judging from the correspondence address, I'm sure it's HBOS that runs Sainsbury's Bank.) I've…
turned down
:mad: :mad: why on earth do banks think i am such a risk to give a credit card ? ok my credit score isn't great bt i know people that are worse than me who have one . i just dont understand it .i have even tried the ones for bad creditors that suppose to help you get your score better Barclays was the one i tried . anyone…
Credit card payment insurance
I'm facing the real threat of redundancy and will be obviously struggle to meet my min payments if this happens.What is sensible practice in this case? Is there such thing as payment protection for credit cards? I have an ASU product with my mortgage -would I be better topping that up to cover payments..? Thanks F.
Leaving Credit/Debit Cards Behind The Bar?
Join the boycott of bars and restaurants that ask you to leave your card behind the bar. Would you leave your card in the hands of a complete stranger? I doubt it. However, many bars and restaurants ask and expect you to do just that. With ever increasing card cloning and fraud, banks and card companies are constantly…
Money off settling CC balances
Hi i am currently in the process of claiming my CC charges back and i am also wanting to settle the debt that i owe. i have made a huge and costly mistake of paying £100 a month on my balance of over £4300. They are making over £70 a month on interest and they have been unwilling to settle the debt at a discounted rate. i…
How do i get money off my balance???
Hi i am currently trying to settle my credit card bill and i have owed over £4000 for a couple of years and i have made the mistake of paying minimal amounts each month. i am in the process of claiming my charges back. but how do i get the credit card company to drop from the full amount to settle the debt. I really am…
MBNA Lead the way
MBNA will be increasing their minimum payment to 5% from september. Link http://www.timesonline.co.uk/tol/money/consumer_affairs/article4321505.ece This could hurt a lot of people.
buying euros on a credit card in uk
this is my first post so hope you can help! My dad just bought Euros in Tescos using his Alliance and Leicester credit card. He spent over £2000 to buy Euros to pay for a holiday. He then discovered that the Alliance and Leicester charged him £40 for doing this. Is this right? it seems it was just because he bought cash,…
Egg Money Interest Rate Hike
Just had an email from Egg to say the interest rate on debit balances on my Egg Money card is being increased from 7.4% to 12.9% from September. Has anyone else had this? I'm wondering if it's a blanket increase for everyone, or if it's targeted? Strangely enough, I have recently paid off a £2000 balance which I had on…
Credit Card Debt
Hi there, I have just lost my job and have contacted all credit cards to come to an agreement with them such as reducing the monthly payments, some of them have been very good and others not, I had two companies which rather put a default on my name instead coming to an agreement. Are they within their right to do so or…
Card Payment question
I probably should have checked here for some advice before I did this but hey ho... I've just applied and been accepted for a Barclaycard Simplicity.. I have been trying to decided on how to pay for my car in August (£2,600) and have found that loans I've searched on are coming back at high interest.. I'm also planning on…
Help with Credit Cards!!
I've just been refused a HSBC and Capital One credit card both stated it was because of a credit check. Have checked my credit rating and score on Credit Expert which states i have an excellent credit rating of 999. I have two Credit Cards one with Virgin and one with Barclaycard. The 0% balance transfer on the Virgin card…
What's so bad about "Rate for Risk"?
Hello, I've heard people on this forum (and Martin himself) say that they think "Rate for risk" should be illegal. That, if I'm not mistaken is where you apply for one card but get offered another. My question is, why is this so bad? I can clearly see why it's bad for stoozers, but for the general public, if you apply for…

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