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credit card that will give me a high limit for balance transfer
i have credit card debts of £10,150 (MBNA) and £1200 (ULSTER BANK) i was hoping to add them onto my mortgage but the way things are right now i am reluctant to go the mortgage route so i thought it would be better with a balance transfer onto a new credit card, i am happy with the 3% balance transfer fee and 0% for 15…
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Capital One's chargeback period?
Does anyone know the chargeback period for capital one's mastercard? I can't locate my terms and conditions leaflet. Thanks in advance.
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Credit card protection payments
Hi I've had a credit card with my bank for a few years and recently i've been made redundant, if i contact my bank and tell them i want to use my payment protection will this affect my credit status? any advice would be very much appreciated.
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Help on credit card for mortgage deposit!
Hi, I've recently come into some money via inheritance which I am going to be combining with savings to put a deposit on a house. I have been looking at houses for a few weeks and have found a place that I really like and am seriously interested in putting an offer in for. My problem is that the inheritance will not be…
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MBNA Warning
I just wanted to forewarn any MBNA credit card customers of what is happening. If you have a credit card that is close to it's limit, and you have an arrangement in place to pay the minimum amount by direct debit each month, you need to consider also making a manual payment to them. I was in that position, and found out to…
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MBNA help....
i am nearly (nearly) at the point where MBNA are willing to freeze interest and charges, but i need to send off one last letter (i was toldon the phone) with a written statement of my rent etc.. i have already done this before over the phone, but i was told on thursday that they needed this last confirmation in writing.…
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equifax alerts
I have a capital 1 card with free id theft protection etc. Just checked my emails as been away and had an email saying there has been changes to my credit account. when I click through there are 7 new credit agreement summaries and 7 deleted credit agreement summaries for this alert. :eek::eek:The new and deleted are the…
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PayPal converts payments to US Dollars when using American Express Credit Card
Hi All, I have just come across a problem with PayPal recently and I have been using PayPal for a few years now. I recently got a Nectar American Express credit card, so I can collect more points when shopping online. I registered it in my PayPal Account and 1 day I was on eBay looking around. I purchased something and…
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Egg won't seem to let me settle my balance?
I settle my balance in full all the time but have been unable to yesterday and today, the Egg website seems a bit broke (since the new Ts and Cs maybe?). It's not showing me my interest rate when I view my card details and was unable to show my balance on my Egg credit card in EMM at one point. Whenever I try and settle my…
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Citicard - huge hike in interest rate
Citicard Visa seem to be the latest credit card provider to deliberately price themselves out of the market. Today I received a letter from their "Director of Cards" saying that the standard monthly interest rate for purchases and balance transfers will increase to 2.329% (27.9% p.a.) and for cash advances it will be…
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Cheap long term loan or balance transfer?
Hi Im new to this site, so i really hope someone can help me out! i have a loan with egg for £6000, Im paying off £300 every month on this in order to clear it in 24 months. I have done a little bit of research and it seem that i could get a cheaper deal else where. my main aim is to clear teh debt quickly, and if possible…
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Virgin card - cash into current account
Does anyone know if virgin credit card still offers payment of cash into your current account? Had a quick look at their website and can only see info on balance transfers and purchases. Do any other cards offer this service (for reasonable fee)? Thanks
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A&L not sent me a new card :(
Hey all, I've got a standard visa with A&L with limit of £2100, and a current balance of ~£1500. The card expired in may this year, and I've not been sent a new card. I've never missed a payment, and always pay at least double the minimum payment. I give them a call about it a few weeks ago, and was told that at the cards…
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balance transfers & purchase
First time on these boards:eek: so here goes. Reading thru the tips & advice etc on the site it states, as a golden rule, never ever make a purchase on a card used for a balance transfer. So bearing this in mind, I have a £1800 debt on a Skycard (mastercard) and want to transfer the balance to a new 0% card, easy enough,…
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Has your credit card reduced your minimum payment criteria??
Logged onto Virgin, and Marks & Spencer credit cards tonight and they have reduced my minumum payment from 5% which is normally £100+ down to £25 in Virgins case and Marks and Spencer minimum payments has gone down by £90 too. Is this a co-ordinated effort by the banks to make it easier for us in these hard times? Anyone…
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corporate Credit Card Question
Hi I have been talking to a work colleague, who seems to think that the Corporate card directly effects the holders credit rating, I spend approx £30,00 - £40,000 a year on my card and is paid monthly by my employeer. and it has a £20,000 limit how was this effect myself, is this posititve or negative or shouldnt I even…
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Cancel a CC, How Long Before Credit Rating/Score Is Updated Accordingly????
Hi, I have a NatWest credit care which I used for a 0% balance transfer. I have no need for the card now. Can someone tell me if I was to cancel this card, how long does it take for information regarding the card to be removed from my credit rating/score? I had no missed payments during the life of the BT deal. Many thanks…
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section 75
I have just found out that the stockist for my wedding dress has gone into liquidation. Can i still claim for it as she is only a stockist? I have paid half of the value of the dress as deposit.
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Capital One and Direct Debits
I have a number of credit cards all paid off by direct debit. I had arranged for a larger than normal Capital One account and arranged for the funds to be in the account two days before the date shown on the statement as the payment due date. All the other cards take the money on the date on the statement - not Capital…
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Abbey 3% cashback (£10 max) on all purchases between Nov 10 and Dec 10.
If you have one of the original cashback cards that Abbey introduced at the beginning of this year then you should soon be getting a letter saying that you can earn 3% cashback on *all* retail purchases (not just food and fuel) from Nov 10 till Dec 10. Main t&c from the letter: 1. 3% cashback paid on all retail purchases…
