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Tesco vs M&S vs Nectar
Decided to benefit from spending instead of just using my debit card all the time and to get a decent credit rating. Which reward c-card is the best out the the 3 - Tesco Club Card Credit Card - http://www.tescofinance.com/personal/finance/finance/creditcards/clubcc/index.jsp Marks and Spencers Credit Card -…
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My Virgin Balance Transfer ended up at 31%APR
I applied for a balance transfer via Virgin (MBNA) about 12 months ago, it was a fairly sizeable transfer about £6000. At the time the APR at the end of the 0% period was something in the region of 16%, I have since been notified that this is going to now be almost doubled to 31%. Is there anything I can do and more…
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hsbc credit card
I have a Hsbc card i did balance transfer and paid it off. Started the card in 2007 and paid it off fully at least 6months ago, but it still shows on my credit history as open. Displays balance as Zero, but file updates are regular, last one 28th of Sept. All other cards that i closed are shown as Settled. But this one…
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What Happened to Egg Money?
I've been trying to find Egg Money to apply for it on the Egg site and I can't find it anywhere. Is it still available? If so how can I appy?
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Credit Card Error Affecting Credit
Hi There I had several credit cards which I was paying fine. I then moved to Spain for work so used a payment plan manager to pay them, ie. I paid the plan manager a sum and they disributed it accordingly, rather than paying each individual card from Spain. When the plan manager requested the outstanding balance from one…
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Getting money back
I paid for a new kitchen from MFI about a month ago using my credit card. It looks like MFI are about to call in the receivers. :mad: Anyone know how long it would take to get my money back from the credit card company?
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Is Egg Money a credit card?
Is Egg Money a credit card in terms of consumer rights - i.e. purchases on Egg Money are covered under the Consumer Credit Act? I assume that this is the case since it's a Mastercard and you can get credit on it, but just wanted to confirm this as in some respects it's not quite a "normal" credit card.
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Is a 0% SBT card the best solution?
I currently have an investment that is returning 10% profit per month and would like to increase my investment but must borrow to do so. I have a low credit rating (unsure exactly what it is although i'm waiting for my Experian report) and am finding it difficult to borrow. This arose from late repayment of my student…
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Capital One
Hi I have to say that I am really annoyed with Capital One. I got my credit agreement on the 7th November sent it back promptly, got my pin number and still have no card. Apparently they are having production problems. Is anybody else still waiting for their card. Or if not when did you receive it.
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Card companies sharing info - end of tarting?
Apologies if there' another thread on this already, I couldn't see it. I was just shocked by what I readi n Martin's newsletter this morning, that some of the big lenders are now going to share info so that they can see exactly how you are using your cards, so they will be able to spot the serial tarters. Of which I am…
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Capital One - "Your payment can't be processed at this time" Arrggh!
I switched to Capital One about six months again (from Morgan Stanley) for my cashback credit card, which I use for all my spending and pay off in full each month. Two things are driving me up the wall, both stemming from the fact I pay online by Switch: 1) On the options for payment amount, it only has minimum payment or…
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Credit Rating - Best ways to improve this?
Hi, I have recently tried to get a mortgage with no luck because of my credit rating. I signed up to Experian and paid my fiver to see my score and it was worse than I thought although most of the problems were in 2005 when I lost my job and missed a few payments. I have heard there is a way to clear these off my account?…
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Applied for Lloyds TSB Advance
Just got response back:beer: Declined:mad: :money:
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Credit Card - improving credit?
Hi i have 2 credit cards and am about to pay them off finally.However i have read that if you keep a small balance and pay the min each month this improves you credit rating rather that its sitting at zero and not used at all? Is this true? Thanks
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Have you received a letter stating increase on interest?
Hi I'm new so please forgive me if already posted. I was gobsmacked yesterday to get a letter stating my interest rate on my credit card is going up:eek: :mad: How can this happen when interest should be going down................ Or did I miss something:rolleyes: I have a virgin credit card and apparently from chit chat…
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Closing credit cards and opening a new one?
Hi we have a few cards open that have a zero balance (and have for a very long time) with high credit limits. We would like to close these 3 or 4 cards and then apply for another card to take advantage of a 0% for 13 mths offer so we can balance transfer £4900 that is ending its 0% on another card in a few months. We have…
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using cc solely for section 75 protection
What proportion of the purchase would I need to make on the cc to be covered. The shop charge 2% and as its quite a large amount want to keep costs down.
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Credit Queries - Please Help
Just had a default removed recently, does anybody know how badly a default actually affects your score points wise, and how much it should rise after removal of the default? Also, because of this removal the score has risen to 927 out of 1000, in good, but not quite excellent. I am shortly going to apply for a mortgage for…
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LTSB Advance re-apply?
I've just spotted the LTSB Advance 0% 6mths in Martin's email and wondered if anyone knows how long you have to wait to re-apply for this card after closing it? I can't find anything in the T&C's. I closed mine 6 mths ago but I think it took another month or two to come off my credit files if this makes any difference.…
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claiming charges back
hi, i done one letter now still no luck as yet, what about a 2nd letter now.
