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I Need To Transfer A Bank Balance Can I Do This With Credits Cards???
Hi Im overdrawn £3000 in Natwest account they are currently charging me around 15-18% on this a month (this is a guestimate) and i dont seem to be getting anywhere paying it off... whats the best solution - Credit cards with a 0% and do credit card companies allow you to do it to clear bank accounts? Loan? any help would…
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0% lost due to missed payment, help!
Hi, I daresay this has been mentioned on here before but I couldn't see it. My girlfriend has a Mint credit card as it seemed to give her the best rate and 0% on purchases for a year. While we were away in France she accidentally missed a payment and because of this the 0% she had disappeared and she's automatically being…
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Going into 'credit' with MBNA
Hi, I am new to this forum and have a question that may appear silly. I have no outstanding debt on my credit card and clear the bill every month. However, on the rare occasions when I am away from home for more than a couple of weeks, I’ve missed my payment date and been stung with interest / fees etc. I wondered, prior…
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What is a Credit card companies obligation to fraud?
Are there rules set out by a banking code? If an amount is in dispute why do they continue to charge interest?(which, speaking to other people who have had there card used fraudulantly, creates further problems down the line, residual/trailing interest) Transfer it to another card? A set time is should be resolved?
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Balance transfer
hi Guys Does anyone know if I have an overdraft can i take advantage of the 0% on balance transfers or does an overdraft not count? I'm not sure how I find this out really. Cheers
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do i only get credit card protection if goods over £100
I recently made a purchase for £45 to hairstuff direct for some straightnerss. Order was meant to arrive last friday (paid extra for special delivery). i rang them yesterday and they made up some excuse that the order had been sent back my the postal service but that it had been resent and would arrive yesterday. order did…
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Halifax credit card limit
According to Halifax; Is this an 'AND' or an 'OR' statement do you think? I did take the full credit limit at the time but (more than) six months have passed. Any thoughts/experiences to share on raising your limit 'mid-promotion'? Thanks
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Whats my 'available credit'..?
..And how is it worked out?Just curious.... Heres my situation- Mint card-4k outstanding(7.5k limit) Egg card-nil(6k limit) Egg loan-£800 balance Is there a pre determined figure that credit is taken against?. How is available credit actually calculated? Cheers! F
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Virgin Credit Card
Which credit agency do they use to obtain a credit report from you?
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Dormant CC account
Hi, I've had a credit card with the Halifax for years, but never use it and it has no balance on it, and they've sent me a letter saying they will shut the account due to inactivity. I'm not bothered, in fact it saves me the hassle of cancelling it, but I'm not sure if this will look unusual on my credit rating. So which…
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Credit Reference Agencies - Who Really Uses Who?! UPDATE
LAST UPDATED: Friday 7th April 2010 Hi all Thought I'd start a thread where everyone can post which company uses which Credit Reference Agency (CRA). Below is a list of major financial companies which provide bank accounts, credit cards, mobile phone contracts, loans, home shopping catalogues, mortgages and motor finance…
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First Direct Gold credit card
First Direct have come up with what I think is a new condition for a card with 0% on purchases for 12 months and 5.9% BTs for 60 months: with their Gold Card you have to make a balance transfer of at least £100 to get these rates. I am very wary of using a card for both BT and 0% purchases, because usually it will manage…
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Advice needed, can my fiance transfer my cc debt onto his credit card?
Hello all, My fiance wants to help me get out of debt. I am starting my own business and have no income at present, we'd like to know if he can open a new credit card and transfer my credit card debts on to it? Not sure what else I can do as I am just paying minimum on 2 cards and its just the interest so not actually…
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Help !! Trying to clear overdraft
Hi, I have been reading various articles on the site - but still a bit unclear on the best way to clear my overdraft. I have a 3.5k overdraft and it seems the extra money I put towards repaying it , only pays the interest. Could I get a 0% credit card and balance transfer my overdraft ? Thanks
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Cash back with Tesco Credit Card
Hopefully somebody can help me. I've just got a Tesco Credit card to earn the extra points even when I'm shopping in another store. When using this card in another store the lady asked me if I wanted cash back. If I had said yes, would Tesco of considered this a cash advance like using a cash machine, or would they have…
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Nationwide CC Dispute Centre
Hello Everybody, I was wondering if anyone here has had any experience of dealing with Nationwide's Credit Card Dispute Centre? Earlier this year, I purchased some computer equipment online, which turned out to be faulty, and in addition an unauthorised charge was made to my credit card. After I had no luck trying to deal…
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Help Credit File Question
Hi there, Am after some information if I may. Have a barclaycard platinum visa. Checked statement today and it shows £1 charge, described as Interest on your standard balance at 1.167%. Called up to query it and apparently I had missed June's payment of around 60 pounds. Usually I pay off in full and must have missed it as…
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Homebase Card
Last year I paid for my new kitchen on a BNPL offer using a Homebase card. I have not used it for anything else. I received a statement every month with the outstanding balance and payment date of middle of month - amount due £00.00. The money was tucked away in my savings account and when the bill came I paid it online.…
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Marks and Spencer's Credit Card
Have a life of balance transfer rate of interest of 3.9% - can anybody tell me if you make a purchase with this card does the interest rate revert to the higher rate - I have contacted Marks and Spencers call centre who say the 3.9% rate will not be affected but I have the feeling that when this offer was featured on Money…
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cancelling credit cards
Hi I have an amazon, barclays and a couple of sony credit cards which I wish to cancel, but I have no idea how. Doesnt seem to be much info provided by the credit card companies on this. Hmm I wonder why!!! Can anybody assist me please thanks
