Credit cards

Discussion List

• Apr

  I HAVE A CREDIT CARD WHIC IS ON A MONTHLY APR OF 1.2408 I HAVE BEEN OFFERD ONE WHICH IS 7.92 PER ANNUM WHICH IS BEST :beer:

• Paying a deposit for furniture on Mastercard

  Please can someone save me from hiring a lawyer to read the small print. If I pay a deposit for a new suite to a furniture store and that store goes to the wall before the goods are supplied can I recover the deposit from the Mastercard bank?

• regarding defaults from same company i.e old aco!!!! and then new

  ok, so looking at my credit report had default with vodafone back in 2003, But then in 2008 they approved me a phone contract well 4 ! to be precise. all payments upto date etc, never a latey or anything, What i want to know is will that account drop of the system, 6 years from the date of default 04/11/03

• OnePulse Credit Limit

  I applied for a Barclaycard OnePulse credit card and have been accepted with a limit of £2070.00. I am very happy as it is 14 months interest free on balance transfers, so I can shift my Virgin 1900 over. Just wondering why I have such a weird limit though?

• Default Definition

  Hi, although i have been trying to look i couldnt find a proper explanation on what happens & what is affected when a default occurs on your account. all i know is that it stays on your credit file for six years, but wt else is there??? Thank you

• Egg Money... again

  I have a £1000 limit on an Egg Money card. I bought a few items in the christmas sale and was at about £600. I had lots more to buy and was aware that i was reaching my limit very quickly, so i paid one payment of £500 and another of £200 to bring it down on Tuesday and Wednesday. The balance is always paid off in full…

• Credit card/store card reclaiming Q;s

  Im about to start the process of claiming my charges on my credit cards. What I really need to know before I start is.... Can I reclaim even though they are currently with the debt collection services? I have to pay numerous debt collections installments of my balances not the actual credit card companies, but could i…

• Better than loan? 5.85% bmibaby Credit Card til paid for Bal Trans and cash adv

  Hi I'm a newbie on this but just before I go off and do something that might be daft, I thought I might ask for advice. I want to get a new car, I have seen one and it will cost me £5 500. I have applied for a loan and I'm waiting on a decision but the interest rate quoted is over 9%. I got a letter from my bmibaby card,…

• Who can I BT to ?????????????

  Please can someone advise me. I know there is 100 threads a day asking for help, so hopefully mine will get noticed :D I have looked at the article about BT etc, and it says that Barclaycard Onepulse 0% for 14 months is the best card for me to go for. However I don't earn £15K and even for the 9 month card, you have to…

• Refused CC - please help

  Hi there - I have been refused by Barclays first and now Virgin. I have about 4k to balance transfer across. My current is Santander and its coming to an end in March. I went onto Equifax and signed up for their 30 day free trial (which I have now cancelled) and my file looks reasonably OK (its subjective) but my mortgage…

• Halifax Credit Card

  Hi guys, Been looking at the halifax all in one credit card. I'm after spending £2k on this and can pay it off within the 9 month 0% interest period. The only problem is the guy who i'm spending the money with is cash sales only. The interest on this card with cash advances is something rediculous like 29% so thats out the…

• Egg 0% Til 2010 - Question!

  Hi - I have a balance on my egg card but my Natwest card is clear, my question is could I transfer my Egg to balance to Natwest and then back again to take advantage of the 0% or is there some clause to stop people doing that?

• Egg

  I was one of the Egg customers who had their accounts frozen despite a spotless payment history. I have about £11,000 on the credit card at just under 20% p.a. and an Egg Loan - my credit file is completely clean. My monthly payments have just increased from £237 to over £300; a result of Egg increasing the minimum…

• How easy is card tarting?

  Okay, I thought I'd start something - on card tarting. Anyone like to share their experiences and answers to these questions: 1. How easy is it? (That is, remembering end dates, etc.) 2. How much of an effect has it had on your credit record? I've looked at Martin's articles and used the credit score tool he built with…

• Any Thoughts on what to do

  Here's my problem, I have two cards with balances outstanding, the first is a Halifax Card the other a Barclaycard. The Halifax Card has 2309 on it and the B/card has 3000 on it. I want to balance transfer a balance from one to the other and the Halifax have stated that they can give me either a 6 month 0% deal or 5.94%…

• Terrible treatment by Barclaycard - limit decrease and treated like a criminal!

  Has anyone else had this? My Morgan Stanley card was bought over by Barclaycard in September of last year. I'd had a £2,000 limit with MS for four years, pretty much maxed out most of the time with the occasional late payment. When BC took it over, it coincided with me trying to pay off all my remaining card debts after…

• Overpaying / Pre-paying on credit card?

  Was just thinking to msyelf and wondering if anyone can assist. Basically, I have a Tesco Mastercard at present with £5000 limit. I am just about to take out a personal loan for £20,000 for car purchase. Once the loan is through and i`m about to purchase the car, could i put the £20,000 onto my credit card before i go to…

• Company not renewing my credit card

  I received a letter last night from a credit card company to say that as I hadn't used my credit card for two years, they were not renewing it once it expires. To be honest, that's fine. I've got two other cards with different companies which I occasionally use, so it's probably safer to have fewer. However, as far as…

• need a balance transfer - 2 current accounts overdrawn

  virgin declined me on the fact I allready have an mbna card with Abbey,,,, !!!!!!....right were would I stand now.....excepted with barclaycard, same day i applied for a loan offered that but declined it, then declined for virgin card......I suppose thats 3 searches on monday is it worth applying again somewere have a…

• Where do I stand?!

  I don’t know if I have posted this in the right forum but hopefully someone can help. My wife has received a final demand from Lewis Debt Recovery for an outstanding amount on a Next Directory bill. However, we just don’t have the enough money at this moment to pay the full balance stated on the letter, so I rang the…