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Can I get a balance transfer Card to repay a loan?
Hi, I have a Lloyds TSB loan with a VERY poor APR that I was hoping to pay off within a year one way or another. I'm wondering if it's possible to get a balance transfer credit card that I can use to pay this off or are these restricted to paying off balances on credit cards only? Alternatively what other methods would…
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Received My Cca But......................
I have received copy CCA from Mint. It is signed by me but not by them. Aslo the terms and conditions are on a seperate piece of paper, not signed. Do the T & C,s have to be in the body of the agreement. Is it enforceable or not... If not what do I do now. Thanks
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Virgin Money CC Min Payment
I got my statement through today and the min payment is £15 which I worked out to be around 0.07% - Do Virgin not do the whole 2/3% min?!? I'm guessing they want you to have the debt longer than possible.
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First Direct credit card
In Internet banking when I click on apply for products I am told I am pre-approved for a £2500 limit based on internal information. Obviously this is not definite however I just wanted other people opinion on this.
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Need some advice please
Hi Guys, I need som advice on something.. i have had a Credit Card for 2 years with a debt of £2600! plus £500 bill on my mobile contract for this month alone and £400 on other bills, like council tax (don't ask!!).. i'm young, under 25! and already i've screwed up. as i keep paying off the debt and then adding more to it…
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Which credit card
Hi to every one i need help im going on a cruise now i dont have a credit card only a debit card which they will not except to pay my bills, can i just set one up use it for the holiday so that i do not have to take loads of cash and are there any which offer rewards or bonuses is a credit card my best option or is there…
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How to live a life of luxury on a budget.
OK, this is a thread that I thought about after reading some other posts about living a life of luxury in retirement. Let me explain what this is about. This forum is a "Money Saving" forum, and as such I very much doubt that many of us are super rich. The super rich do not worry about saving money, they have so much in…
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need help with credit card
I have a barcley card that i dont really need but im up to my limit, iv been paying just over minimum for 3 yrs but its just not going down, is there anyway to cancel card but pay off balance in instalments. I cant get loan to pay it off as dont have good credit but some said balance transfer for 12 months then try pay it…
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Credit cards and the Forces
I'm having problems at the moment getting hold of a new credit card. Quite a simple task you might think, but as a member of the forces and moving around every 2 years either in the UK or abroad I keep on getting refused. My current card has a 12k limit, there is <4k on it and I'm paying off at least £800 a month so will…
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ryan air flights
Can anyone give me some advice? Bought tickets from ryan air six months ago to go away in sept, for 3 people the flights were £200, a bargain, i thought at the time. However, circumstances have changed and two names on the tickets have to be changed. Ryan Air want £80.00 per person, £160.00 just to change the names!! How…
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AMEX cashback worries
I have an AMEX Platinum card. I spoke to their customer centre to find out how does their cashback work and was given a conflicting story. First, I spoke to two people and both claimed that their AMEX reward system restarts every month .i.e I have to spend £10,000 per month in order to get 1.5% cashback. If I spend under…
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Yorkshire Bank gone right down the pan?
I've always had a Yorkshire Bank Credit Card, and have had it for nearly 20 years! I don't use it that much, but decided it would be better if I could get it online, to keep an eye on it, same as I do with my current account. So I've called them, and it just went to a holding queue for 10 minutes. Tried again later in the…
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Looking to cancel my HSBC Mastercard
I'm looking to cancel my HSBC Mastercard. Earlier this month, I paid off my balance in full as I had been paying the minimum for around 9 months, incuring debt of £498.00. On the 24th of July 2008, I received a charge for interest on cash. Do I have to pay interest for two more months, even though the balance has been paid…
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Help please
Hi can anyone give me info on a matter i need help on. I wrote to my old credit card company to reclaim my charges, they sent me the statements. i then wrote back with the amount i requested back for unfair credit card charges, they wrote back saying they hope to resolve matters by the 24th july 08, i then got another…
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Tesco security check ???
:confused: not sure if this is the right board for this but I've just had a phonecall from tesco direct. The caller said it was a security check regarding tesco direct order that I placed today and he asked what my order was ,my first name and last 4 digits of credit card I gave him this information and now I'm panicking…
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Dumb question from credit card novice
I have never had a credit card before, but am thinking of applying for cap one 0% interest on purchases 'til Oct.09. So heres the 'dumb question' Do I actually get until Oct 09 to repay before the interest hits? I've seen something that said '56 days' and I just cannot get my head around it. When you've finished laughing,…
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creditexpert application help
I am thinking of using the one month trial to get my credit report but I am confused with how to fill in my names in the applicatoin I have got two forenames and what I normally do with bank / mobile phone application is to put them all in the 'first name' field, with a space in between, i.e. First name: xxx xxxx But some…
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Protection If Company Goes Bust
To be covered by the Credit card Co in the event of a travel company going bust, would all payments have to be made by card or can i get away with just paying part ie.Deposit Only.. Thanks
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Need Some Advice Please
Hello, (This is my first thread) I'm 17 years old i have got a savings account with a building society, but will not provide me with a debit card until i am 21. Please can somebody advice on any bank's that allows you to transfer money for free (or the lowest cost) and has a high interest rate. Kind Regards Steve
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Help! Halifax CC can't do BT to MBNA & Natwest???
I apologise in advance if this has been covered elsewhere - I've searched for ages but can't find the answer to my question. I was offered 0% 12 months Balance Transfers & 0% 12 months purchases from Halifax so I took it - great deal. However, i've just tried to transfer balances from my MBNA CC and Natwest CC to be told…
