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A credit card shuffle, any ideas?
Ok, as my mortgage is going to drop by £200 per month soon (march) I have desided to get all credit card debt cleared. THis may take all year and maybe into next depending on how things go. (obviously am assuming mine and my husbands jobs stay there and intrest rates stay where they are or lower till the end of the year,…
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Increasing my credit card limit- in the reccession ?
Now the banks have stopped lending - would there be a high chance of them to NOT giving a credit limit increase on my credit card? I have a good credit history- have paid my minimum payments and full payments when i have a balance on the card, and use it well/frequently with NO defaults...... but due to the recession have…
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Multiple cards....do I keep?
Good morning all, I'm hoping for a bit of advice please. I currently have 4 credit cards as listed below with their outstanding balance / credit limit: :eek: Egg Card - £1500 / £6350 (currently on 0% BT) :D Barclaycard - £0 / £5650 :D Virgin - £0 / £5100 :D Natwest - £0 / £800 I'm going to be clearing the Egg card within…
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barlcays stealing money - cs can't write a email in english that makes sense
a company refunded something to points?
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Can I balance transfer lloyds to halifax?
Hello Have Lloyds and Halifax fully merged yet? I have a balance on my Llloyds card and have recieved a 6.95% life of balance, balance transfer offer from Halifax. I was wondering if it is OK to transfer the balances or whether Halifax will decline it? There is nowhere on my statement saying one way or the other (As is…
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Address for Natwest CC
Eve Guys hi can any1 give me the correct address for Natwest CC so I can claim the unfair charges to the card cheers
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CC Application: time with bank vs current account
Dear all, I am thinking of applying a credit card to build up my credit score, I previously has no credit score, anyways. I have a halifax easy card for 3 years now, and just got a halifax current account with cheque guarantee card. Now the question: Shall put in my basic account detail when I am applying for credit but…
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Halifax not re-issuing my credit card
Hi I'm just abit confused about this and wondering if someone can clarify this for me. My credit card expired in September and the Halifax have said they will not be sending me a new one because I have 12 late payments in 14 years. I owed £3,500 on the card and now that I am working I have paid off a substantial amount off…
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American express to Virgin?
I'm not quite sure how to work this out and wonder if someone can help me? I have an American express cc with a balance of £2100. I pay 4.9% for the life of the balance. Would it be worth my while transferring this balance to the new virgin cc recently advertised at 0% interest foe 18 months? I realise the fee for…
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credit cards/IVA's
hello, any ones advice please. I am going thru an IVA at the moment for credit cards debt, can I try and claim against my credit cards to get the wrote off, or voided.even though im paying an IVA for another 4 years regards g ricahrdson
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Two MBNA cards at once
I thought I'd post this, since I wasn't aware that it was going to be an issue. I've just been declined a Virgin Money card, the reason given was that I already have another MBNA issued card (Abbey) with a balance on a promotional rate. I had realised this, but not expected it to be a reason to decline me. Anyway, I…
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Newb Credit Card question
I need to get a credit card, having never had one before. I only need it for a short time (few months tops) and won't be putting loads on it. I was looking at the Halifax All In One card. Seems a good deal with 0% for 9 months on purchases. Any one had experience with this card? Anything i need to watch out for? Silly…
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How long to add the B/T fee?
My OH has a cap one card and they have just added the balance transfer fee, 3 months after the B/T went through - is this normal? I have done one on a mbna card before and it all went on at roughly the same time - very quickly!!
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Best Credit Card Protection Against Theft/Loss?
I'm trying to figure out whether it's worth me continuing to pay £29 a year to Barclays for protection of my debit & credit cards and passports if they are lost or stolen. Is it worth it? Are there cheaper options out there? I can't find much info on this anywhere.
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Count Court Letter PLEASE HELP!
Hi Sorry this may be the wrong board, I was previously a Director of a Ltd company. I resigned as Director last year and the other Director has continued the business, we are still on good terms. Anyway I had a letter a while ago about an unpaid factoring debt (We factored all our invoices) from a few companys. He said he…
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Starting at the basics - credit cards and how does using them effect my credit rating
Hi So i recently transferred my debts onto 0% balance transfer (Virgin) credit card, got rid of my overdraft and slowly making a dent on the virgin card debt. It was all going well but my day to day spending credit card (HSBC) (which i aim to pay off in full each month) has got a little out of control over christmas. I…
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MBNA – Reduced Payments / Interest Charges advice….
Hi all. Just wondering if anyone can offer any advice (or even just some re-assurance) as to how best to deal with MBNA when it comes to actually trying to get some sense out of them when it comes to discussing the possibility of a reduced payment plan – or even just to get reduced or frozen interest charges. Background…
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Newbie would like some advice please!
Hello all, First time to this board but hoping you can provide me with some sound advice please. My husband and me have a Tesco Credit Card between us and basically do all our spending on this card to get the points (then spend on holiday!) and pay it off every month. This month though we needed a new cooker and TV and…
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Is HSBC CC Interest wrong?
I've just checked by HSBC CC online statement ans the interest has just been added.... One of which is £3.39 for cash advances. Last month the interest on Cash Advances was £2.96, yet since last month I haven't used my card for cash or purchases. Working backwards, I'm figuring that the interest of £3.39 (at a rate of…
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Capital One Interest Rate Hike - up to 34.9%
Can't see that this has been mentioned in a thread - was just seeing if they could do me a better interest rate than the 26.48% that I was on and was told that from April the rate will be increased to 34.9%!!! I'd already successfully reduced my Halifax rate from 23.8% to 19.9% this morning, so thought I'd try Capital One.…
