Credit cards

Discussion List

• credit cards

  hi new to forum, help needed what do you think is the best for me now? owe on a few credit cards mbna £4000 virgin £4200 halifax £3000 natwest £2900 i am a home owner mortaged, do i try to find new deals which is getting less and less as i've had quite a few over the years 0% . Should i get a loan or put this debt on to my…

• Adding a second cardholder

  I currently hold three credit cards, which is a little more than I need, so I am thinking about closing my account with Egg. One advantage of my Egg card is that they have provided me with a second card to give to my partner. Signing up was really just an administrative exercise and the card came immediately. My partner…

• Barclaycard 12 month 0% cheques

  Hi, I recently reduced the credit limit on my Barclaycard from over £4k to under £2k (I never use it anyway) and today I received a couple of 0% 12 months balance transfer cheques for that account. In the past, the cheques they sent me were for 6/9 months and/or had a 1.9/3.9% interest rate. It may just be a coincidence…

• Starting to look at juggling cards again...

  Now I don't mind going for LOB cards if that's the best bet, but at present I have: Egg Loan: > £6k Citi card (LOB rate): £900 Barclay card(0%): >£4k MBNA (0%): >£4k (this is the one I want to move) AmEx Paid in full each month - this is my cash back card. Now I DO have a mortgage too (no idea how much of a difference that…

• help with working out manthly payment/interet

  SORRY PLEASE EXCUSE MY TERRIBLE TITLE SPELLING 11PM IS LATE FOR ME! IT'S MEANT TO READ HELP WITH WORKING OUT MONTHLY PAYMENTS AND INTEREST. Hello, silly question really but can anyone give me an idea of how much my monthly payment would be. I want to transfer £2000 to my egg card and the interest is 21.9% PA How much…

• Asda Credit Card Now Santander Not GE Money

  Big notice when i logged into my account, done a search on top of that and came up with this. It not only affects the Asda card but all of their cards. http://www.forbes.com/feeds/ap/2009/01/08/ap5895194.html On 7th January 2009 GE Consumer Credit Services Limited, the company which provides your card account, was acquired…

• How long does it take to get on electoral register

  I got rejected for a cc last November so decided to improve my credit rating. First stop - get on electoral register! I have been on it at my address for years but didnt fill in the form last year (for 2008). I contacted my local office who sent me forms that I completed and sent back to them in December past. What I was…

• To loan or to balance transfer

  :confused: Im currently in £8000 of credit card debt of the back of travelling I am now in a secure(ish in this day and age) job I have worked out my finances and I can pay £200 a month to slowly clear my debt. My question is am I best to transfer the balance of my credit card or do I get out a loan for the remainder. Ive…

• Standard Natwest C/C needs paying,whats best way??

  Hello everyone, I'm a newbie but always hear Martin's advise on TV or radio and find it very helpful so thought I'd drop by & see if anyone can help my dilemma. I have the most basic Credit Card with Natwest (limit-£1.250). I owe £900 on it but the last 3 months I have only payed the minimum off. I do have an I.S.A. but…

• Egg money, section 75 protection?

  I have an Egg money mastercard, I use it for everything and pay it of in full every month to get the cashback at the end of the year. I have been thinking recently though (with all the nonsense that is going on with retailers) if I made a bigger purchase and the company supplying the goods went bust I would have…

• Advantages to using credit card abroad?

  Im planning on buying a pair of ski boots in Bulgaria, if I were to use my credit card to purchase them on would I gain any advantages over using cash? Does section 75 cover any kind of guarentee or is it just the original state of the item?

• Halifax all in one card rejected then offered again???

  Dear all, Thanks for everyone's help here, I from last without a bank account without any credit in this country to now have a Halifax Current account. Anyways, few days ago I applied a Halifax All in one card, but got rejected, then today when I login to my online banking a message poped up offering me a credit card, so…

• Reclaiming Morgan Stanley/Barclaycard charges

  I had a Morgan Stanley credit card, which is now a Barclaycard. Are Barclaycard 'liable' for my credit card charge reclaim, or can they refuse to refund on the basis that they are a 'different company' and didn't charge the fees in the first place? I'm assuming when they takeover the Morgan Stanley business, it includes…

• Credit check - who has the right to do one?

  I am informed by Experian that it is a criminal offence to obtain someone else's credit report, so who has the right to access this information? Does any organisation accessing a credit report need a license to do so? I heard in the past, and perhaps this is just a rumour, that banks will do credit checks on potential…

• Barclaycard

  Hi i was wondering if anyone can help me with this one? I had approximately £3000 outstanding on my barclaycard 3 1/2 years ago. In September 2005 i took out a loan and paid the balance off. I didn't cancel it straightaway and received monthly statements showing a nil balance. The following November (2006) i was moving and…

• Balance Transfer or pay interest?

  I have a Platinum Mastercard from Capital One which offered 0% on balance transfers and spending until Feb 2009. I still have approx £2,500 on this card which I reckon will take me another 4/5 months to clear at best. Now that the 0% deal is about to end I don't know whether it would be better to apply for another 0% card,…

• What's the diff in Breathe and Onepulse?

  I had a Morgan Stanley card which was replaced by Barclaycard Cashback card. I tried to do a BT but they said the offer had expired! Can I apply for one of these other cards?

• which credit/store card

  hi first post, does any know which supermarket card is the best, at the momemnt i use the asda credit card in which i get 2p off alitre of petrol, or a sainsbury nectar card i thinks 1ts 2 poinst a pound and if you get 500 points u get 2.50 pounds off, or tesco cluncard 1point for every pound, has anyone figured out which…

• CCA Section 75 Row!

  Hi I paid £2350 to a "career guidance consultant" almost a year ago, as half of his fee. I paid using my Co-Operative Bank Visa Credit Card. The deal was that I would get up to 1 years guidance, and if I got a job paying at least £60K, then I would pay the remaining £2350. If I had not landed such a job, he would refund…

• Just got my credit report

  Recieved it from Experian today, everything is as it should be except i applied and was excepted for a PO card at the end of Nov and it shows that PO made a search on that date, i have since recieved the card and done a BT and had a statement and payed a payment (although the payment has just been made so i wouldnt expect…