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Tesco Clubcard Credit Card
Hi What do people think about this card? I know it's only 1 point for every £4 spent elsewhere but currently I don't get nothing with Capital one. If you don't like this card, what's the best cashback card going please Thank you
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Halifax CC T & C's
I just got a change of T & C's that I don't normally look at but they have reduced the minimum payment to 1% of the balance, instead of 2.5 or whatever it was. What does that mean to me? Or is it just a sneaky way of making me stay in debt longer - I don't pay minimums btw. Just wondered why they would do this?
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Lloyds TSB DD problem
I'm not sure if I should post this on here or the current account thread. I've had a Lloyds TSB Platinum card for around 2 months purely to take advantage of the 13 month 0% balance transfer offer. I had a DD setup to collect the minimum payment from my A&L account and the first month's DD went through fine. I'm also in…
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Credit card agreements
Evening all. I sent letters to all of my credit card companies last week, firstly to check what my APR and terms are and also to see if any could be written off (Egg, HSBC, Mint and Abbey) I have so far received a signed copy from Egg very quickly with no problems. I received a letter from HSBC today (who I also bank with…
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Nationwide credit card upgrade?
Sorry to shamelessly steal from the post below re citi :) I've had a nationwide credit card for many years now. For a long time it was my regular card before I began stoozing :) Always paid on time etc. I noticed lately that there is now a platinum card available from the nationwide and that they have a good introductory…
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First credit card
Hi, I am looking at getting a credit card for the first time as a way of getiing a 0% interest loan for a year. How do i know if i have a good or bad credit rating and will i have any trouble getting this? Many thanks Slogrove
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Morgan stanley cashback card, now barclays £20 annual fee!!
Hi, have done a seach and cant find a thread relating to this. I had a morgan stanley cashback card, which has now been taken over by Barclays. Just had the blurb through from Barclays re how wonderful the card is now they have taken over:rolleyes: , included in which is their leaflet "summary of changes to your terms and…
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catalogue issue
I don't know if this is the right place but couldn't find anything more suitable. Hubby received a letter from his catalogue today, saying that he was in credit with them (for the amount he's actually in debt with them). Upon calling them, they said that the computer messed up and he shouldn't have received that letter.…
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I Need Help!
Hello All, I need some help.... When i was younger (17, 18) i got myself into a bit of debt on a Nationwide overdraft and thus had my mobile phone contract (orange) withdrawn. I had to cut up my debit card and now only have a cash card (although i can still have direct debits and standing orders on it). I am now 23 and…
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Paying full balance each month then living off card?
Hiya, can anybody tell me if this makes any sense to do this. I currently have an overdraft of £400, which, by the end of the month i will have practically used up. But i only pay around £1.20 a month or something small like that. I have 2 cards, one of which has ridiculous interest (over 30% apr) Next time i get paid…
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Turned Down for Virgin 0% card - where next?
Hi and thanks for any help you may be able to provide. I don't have a lot of credit card debt (about £500), but the debt I do have seems to be sticking around. I am trying to get a 0% or low rate card and having applied and been declined on the Virgin 0% card I am wondering what my next step should be. I currently have 2…
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Credit Card Payment band re-organisation advice
Hi guys I just posted this on the DFW forum but in hindsight it may be better here Heres a list of my credit card debt Card Orange Marbles Balance 3700 Min Payment 73 Interest Rate £2K@6.1 till oct £1.7K@16.9 Limit 9500 Card Barclaycard Plat Balance 1008 Min Payment 22 Interest Rate 15.5 Limit 1100 (reduced after I paid 2k…
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Best 0% CC in the market for Shopping
this may sound a little daft, but here is the plan. i'm planning to apply for 2 CC on the same day. 1st card for Shopping- looking for the longest possible 0% deal Any ideas- which card will be the best ?? 2nd card for a Balance transfer- CapitalOne/ Virgin My question is I'm planning to do the online application for both…
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0%card on purchases - will it be 0% to pay for something via paypal?
Hi I'm buying a car from a friend and I need an extra £1500 so I was going to take out a 0% card and pay him the extra £1500 via paypal. Is paying via paypal classed as a purchase that I'll get 0% on or not? If I pay him the £1500 via paypal and don't get the 0% purchase rate then theres no point in doing it really! I do…
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Arghhhhhhh!!! Cifas Entry On My Credit File!!!!!!
I simply cannot bloody believe this!! After working so hard over the last 18 months to clear up my credit file I have just this evening checked my Experian file to fine a bloody CIFAS catagory 4 (application fraud) marker in someone elses name at my address (well the building not the flat!) Name used: NOT MY NAME BUT HAVE…
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0% interest on purchases, what's the card with the highest limit?
Hi all I'm shortly buying a car and want to pay for it on a credit card. The car will be £23k so I'd need as high a credit limit as possible. Before anyone tells me I'm an idiot :) here's the idea: I have the £23k for the car already. Rather than hand it to the car dealership I'll pay for the car on a 0% interest card. In…
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Bacs transfer to Prepaid
Has anyone used bacs transfer to pay money to a prepaid? I have a Cashplus card and cannot always get to Post Office to top up and wonderd if anyone has ever paid by transfer/bill paymetn direct from their bank account? It does say you can set up Standing Order or pay wages into the account so I guess as long as sort code,…
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Sky Card - Better Deal through the door?
Hi, I'm looking to sign up for one of the sky cards to redeen points off my sky bill. However, does anyone know if you get a better deal on the offer they post out if your already a sky customer? I have always thrown them away when I got them so I can't check. Thanks Rick
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Experian Credit Expert Credit Report
I have just signed up to the Experian Credit Expert to view my Credit Report. However I had a couple of questions: 1. Why does the report not show a new credit account which I have opened recently (only just paid the bill) - the account in question is for Littlewoods Shop Direct and Freemans? [opened about 1 month] 2. The…
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Section 75
I was just reading a current article on the Motley Fool and they stated that section 75 protection is in place even if only part of a payment was made by credit card. If this is true does that mean we only have to pay the deposit for a holiday to be covered by section 75, i.e. if a holiday company goes bust and I have paid…
