Credit cards

Archives for October 2008

How Lenders Calculate Your Credit Limit
When I got my credit report from the Credit Report site http://www.creditreport.co.uk it explained that lenders also use factors outside the credit report to assess financial status and gave a couple of example calculations of the type lenders may use. 1. Short-term debt-to-income ratio: Add up your total short-term debt…
Card Payment On A Loan?
Hi I've got 2300 out standing on a loan, and i also have 800 (0% balance transfare from a previous card). I've had a thought on how to cost myself less per month to give me a chance to save up and pay it all off. My credit card has a limit of £10,000 which i reduced, and is now £3,000 and i was wondering if its safe /…
Interest calculations
I have £800 on a FD card at 5.9% and have a 0% card 6 months with a 3% fee. I was trying to work out how much interest the FD card would b compared to the fee to transfer across. But after 30mins and 3 different people at FD to give me the formula, but they said 'it is calculated manually and is too complicated for me to…
Urgent Help Required - Clearing an overdraft
I have taken out the Abbey Credit card with the hope of transferring my overdraft onto it of £3500 Abbey wont do this but they will transfer a balance from a credit card. I have an American Express card which I am using for cash back - Can I get Abbey to pay £3500 onto my American Express Card and if so how do I get the…
cdw cover on cc
Does anyone know if an accident to a hire car abroad would be covered by a credit card if the credit card has been used to pay for the car hire? We are travelling to Aruba in May '09 and after looking at a couple of forums, it is being said that, instead of taking out CDW insurance, any claim is covered by the credit card…
How do you stop incessant sales calls?
A warning and request for advice. I am being plagued daily and sometimes four times a day by Capital One 0800 220295 despite being ex directory and registered with the Telephone Preference Service. Their sales pitch is always the same. They ask for Clare and at first you politely answer that there is no one there of that…
Egg card charging for payment being made but not by direct debit - Advice needed!
I received a letter from Egg today charging me a LATE FEE of £16 for not paying my card! This is despite the fact that I made a payment of £50 ON TIME. I phoned egg to ask them what was going on and they told me I had been charged for not making a payment BY DIRECT DEBIT. So although I made a payment on time because it…
Capital one card applied for, but another offered
I applied for the capital one card as listed in Martin's recommended for BTs; normally I have an excellent credit score but for some reason they decided 'to offer me a slightly different card at this time'. I think I may have too much credit available to me, which I'm going to fix by closing fown some defunct cards.…
HSBC Credit Cards
Hello there, I just got a HSBC card and transferred a balance to it and now I'd like to make a extra payment from my RBS debit card but the banking online thing just doesn't allow me to! I got the HSBC bank a/c and sort code numbers to try and transfer a payment from my RBS online a/c that way but I can't do that either!…
M&S Mastercard - anyone else got this?
I have an M&S Mastercard. It is currently blocked and destroyed as I am starting a DMP. I received a voucher in the post today saying £5 off food at M&S if I use my M&S card. But there is no minimum spend. The Ts and Cs on the back of the voucher state that 'no change will be given for purchases under £5' indicating that…
Virgin Money - Stopped Card!
Hi I currently have a Virgin Credit Card. During a difficult time 2 years ago, i was practically living of it and owed them over 5000, then they stopped my card. I then managed to pay of 3500 and they still stopped my card. I am now in a position where i have a credit card with a 6000 limit where i owe 1100 but the card is…
Site showing our credit files outside the UK
I've posted this question but haven't been able to find the answer. I used the Credit Report service http://www.creditreport.co.uk to see my own credit report online. My report is OK. But I want a mortgage with a bank in France to buy property there. Someone said that there isn't any credit file on us outside the UK and we…
Virgin (MBNA) Credit Card and Harris Interactive Surveys
Does anyone have a Virgin credit card and receive surveys from Harris Interactive to fill in online? I've been sent an email saying MBNA have given Harris my details as a Virgin Credit Card customer and they would like me to complete online surveys as part of a Virgin Credit Card Customer Panel. I'm just wanting to check…
Diners card now CITI group
Hi martin Have had a Diners club card for a few years and has now been taken over by CitiGroup. Activated my new Citicard when I received it and was told by the person on the activation line that I had a limit of £500 to spend , i did spend some money but not over the limit. I did not realise that both accounts would merge…
Credit Rating
I looked at my credit report recently and noticed I had 5 credit cards still recorded that I have had in the past. They are all clear with no debt and up to date, but is having these on the report affecting my credit rating? I recently got refused for a Virgin credit card and I can't see any reason why other than they…
Euro's or pounds?
When paying abroad I'm often asked if I want to pay in euro's or pounds on my credit card, which is best?
Barclaycard refuses bank transfers
Can anyone tell me if a credit card company can refuse to pay off another credit/store card. I have recently tried to pay off my argos store card with a new barclaycard but was refused, as argos and barclaycard are the same company. I then tried to do a bank transfer to my debt account and was refused this opition too.…
Section 75
Hi all, I bought a laptop directly from DELL web site, using my LLoyds credit card, back in April 08 and ever since then I keep having problems with it. I have been in touch with Dell to try and sort it out for few months now,my patience has ran out now so I wrote a complaint to DELL asking for a refund as it has not been…
New Credit Card
Hi All New to the site and I'm hoping that someone will be able to help. We have had an A&L MBNA credit card since 1999, and have NEVER been charged 1p of interest as we always pay the bill in full every month (we know card companies don’t like this as they don’t make any money from us directly only money from the…
Credit Card for First Time
Hi My DS is wanting to apply for a credit card, not to run up debts (he's quite sensible) but to improve his credit rating, ie buy a few things on it each month and pay off in full. Problem is he was at Uni and has only been employed by his current employers for 2 months (permanent contract). When will be the best time for…

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MSE News

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TV licence fee to rise by £10.50 a year to £169.50 from April 2024
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Morses Club borrower? It's launched a new redress scheme for mis-sold loans – here's what it means for you
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More Than to stop selling car insurance policies – here's what it means for your cover
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How to bag a cheap, sustainable Christmas jumper... from only £3
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Martin Lewis: How to earn 8% interest on your savings (and possibly £200 on top, too)
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Expat with Barclays? Here are your options if your account is being closed
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Martin Lewis: A trick for Shell Energy (and Octopus) customers to make some money
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