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Help Capital One Increase APR
Hello, Ive been with capital one "no hassle platinum" 6.8% pa for life for over 3 years now and I must say they are a good company. Ive got a letter today saying due to its costing them more to lend they have to put my rate up to 9.94%. The options they have given: Option 1 Repay the outstanding balance at your old rates…
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Unfair cash interest upon cash transaction?!
Dear all, I would like to share my frustration about how HSBC charges interest on the cash transactions. Basically, whenever I withdraw cash from either UK or overseas using my credit card, the bank charges me daily interest from the day the transaction is made till the day I paid and they do this even if I always pay back…
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Advice on current CC debts and also transferring balance?
Hi I currently have two CC with debts of approximately £2500 on one and £900 on the other. I have about £150 spare per month to start paying off the debts on these cards. Which is the best way to use the £150 should I pay the minimum payment on one card and then pay the rest of the £150 on the other card? Is so should I…
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can i apply for a c/c at my mothers address allthough ive moved
can i apply for a c/c under my parents address allthough i moved 5 years ago. will it matter ??
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0% on Balance Transfers for Not good credit score
Hi guys I applied last night for a Virgin Credit Card, but was turned down. I was attracted to their 0% on balance transfers for 16 months. My ability to get credit isn't too good, one of the reasons being I moved several times last year. The debt on my current credit card is approximately £950. (I also have a loan of £5k)…
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OK, how the flip have Egg managed this??
Can anyone who is more competent than I with maths help me with this? The interest amount charged on my Egg credit card bill has gone up despite the balance being a fair bit lower and the rates not changing. As below (I am not paying PPI and the interest is always applied on the statement date: Statement: Nov 18 2008…
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How Many Super Balance Transfer Cards Can I Have
I got the virgin card with 16months 0% and used it for transferring into my current account, I have now used up nearly all the credit but still require further funds. If I apply for another card ie. the MBNA platinum what are my chances of success? Also if I am declined would it damage my credit score? I know I could apply…
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Best option for single large purchase?
Hi there. I'm looking for some advice for the best way of paying for an imminent largeish purchase. I currently have no credit cards (never had one in fact) and within a week or so, am planning on getting an engagement ring (Mum's the word...). Luckily, I've been saving and will have almost all the money available to pay…
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Anyone ever asked for a new 0% deal from Egg with success..?
Out of interest has anyone ever asked for a new 0% deal(on existing balances) from Egg after their original term has ended with any success..? Ferry
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Credit card application / electoral roll issue
Im currently living as a lodger, have been in this house since end nov, was previously a lodger in a different house (sept - end nov) All my docs (driving licence, car ins, docs etc) are based at previous lodging (with mail redirect to new lodging as was planning on being there longer, but moved due to disagreement with…
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Mint bank details help
Could somebody confirm the payment details for mint, I just got off the phone to customer services and they said their account number was 00000000 ? Is that right??
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Credit Card Help
I am 21 and i am looking to apply for my first credit card. As far as i am aware i have a good credit rating, had direct debits in my account since i was 16 and never missed a payment. I am getting one for using to book things online and to book holidays, anyone reccommend which is the best one just now? As i don't know…
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credit cards cuba
does anyone know which credit cards can be used in cuba? I know that you cant use credit cards affiliated to US banks, but which would these be? any help grateful thanks x
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Credit score ruined by number of addresses
Hi, I've been lingering around this board for some time, and after another sleepless night lying awake worrying and panicking, I thought I would post and ask for some advice. Sorry for the long post coming.. I've been paying off debts since I woke up to myself nearly two years ago, and I am determined to be debt free.…
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Reducing Interest rates on Egg Card - tips please?
I am one of the many people who suddenly found themselves having their egg card account closed lat year for no reason. However, just before they closed the account and asked me to repay all outstanding debt, Egg informed me that my interest rate would be increasing as I was a high risk account - I had missed 2 payments in…
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Advice- should I default to get a CC?
HI all Its not as bad as it sounds! Dont worry :D I have closed all my credit cards as I paid them off as I was becoming debt free. I really need a credit card, as we want to hire a car in USA later this year. IN 08 we hired a car in the states on a debit card, but we paid well over the odds for it, and I reckon we spent…
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Some advice needed...
Hi all. I've never had a credit card. Always managed to avoid them. Hate the idea of getting in too much debt, but i'm in the situation now, or approaching it anyway, where it looks like I will need one, but just for a short while. I'm currently training for a new job, but finances are running low, and I will probably need…
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Changes to terms for MBNA
Dear All, This may have already been raised, if so I do apologize upfront. I have received a change in terms and conditions with my MBNA card today. They have change the default charges from £12 to an administration fee which could vary. Surely this is against the ruling of the other year! :mad: Any thoughts about this…
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Balance Transfer advice please!
delete please
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Something for the "can't pay -won't pay" crowed.
Just stumbled across this informative thread for all you "debt evader’s", not very appealing to me personally but found it very curios reading, just goes to show it's not just the MSE clan that are running away from their debt.…
