Credit cards

Discussion List

• advice on 2nd ever Credit Card

  what is the recommended period to wait between receiving first credit card and applying for /upgrading to one with better personal benefits? I have had a capital one classic (massive interest one, just to get credit rating going) for about 5 months im thinking. Really need one with commision free foreign purchases. thanks,

• Bt Or Lob??

  hi all just wondering if it is better to do 0% or LOB? ive got about 3500 debt to pay off thanks

• Is worth asking for a limit increase now???- Virgin cc

  Hello all, sorry for another virgin cc thread. I have applied for Virgin cc in december and got accepted with a limit of 4800, transferred the balance...all is happy and well. Recently i read on a different thread that when you activate your card, if asked they might increase the limit, provided they are happy! So, I was…

• Good Old MBNA

  I now understand how easy it is for people to get into debt, I have a small balance on my MBNA card £901 and the miniumum payment is £25 so if i paid only the min payment my intrest next month would be £24.14 which means I would of paid wait for it £0.86 pence of the balance I owe. My god, compaines shouldn't be allowed to…

• Ulster Bank charging interest on 0% balance trans fee

  Was going to close my Ulster Bank visa card at the end of a 0% bal transf deal last October. To keep me, they offered a further 0% deal for 6 months with a 2% fee, which I took them up on for about £4,500. I now find that they are treating the £90 fee as a purchase and charging me interest on it. I was surprised at this as…

• Balance Transfers from Partner

  Hi everyone Was just wondering if it is possible for me to transfer a balance on my girlfrend's credit card to mine. We are trying to sort our finances and on one of her cards she is paying a stupid amount of interest due to cash withdrawals etc. I was thinking of transferring it to mine so as there is no balance on my…

• Help!

  Hi Everyone I guess I'm in the same boat as many of u here..I am paying only the interest off my credit card!I am not spending anymore,I used the whole £750.Now I am seriously concerned that I will use up my student loan,simply by repying the interest!I tried to apply for a Virgin card in order to transfer the balance to a…

• Barclays / No Credit History

  Hi, I am 23 and work offshore/overseas. I bank with Barclays international, my main current account is a euro account. I am paid ~4k euros a month. I also have a euro savings account with Barclays, which has 15k in it. I have never had a credit card, or contract mobile phones, or anything credity. Until very recently, I…

• Default Notices

  I was wondering if anyone knew a way there was to get a default notice off their credit report? I recently got 1 put on there in nov when i had agreed to pay my balance off over a period of 6 months and they said the default would be cancelled but it wasnt and i was wondering if anyone know if there was any way that i…

• Barclaycard payment arrangement

  hi, I currently have a Barclaycard Visa and Mastercard. I've written to Barclaycard to arrange a payment plan after visiting CA debt councillor. They didn't reply but I managed to arrange a payment plan for one card over the phone ad they reduced interest 6%. I phoned several times (Indian call centre) to arrange the…

• Credit Card Fraud

  I needed some computer programming done, and I found someone off a relatively large forum who could do it for me, We agreed on payment terms and I paid him the money using paypal, ensuring that the transaction was paid using my credit card. The programmer had very good feedback and was fairly popular, which is why I chose…

• Credit Cards and Interest rates

  This is my biggest moan this week. The Bank of England has today slashed its interest rates from 2% to !.5% so why the hell are the Credit Card Interest rates so high. If you can give me a calming explaination please do.:mad: What can we do about it.

• M&S Chargecard

  hi, I had an arrangement in palce to pay £40 a month on my chargecard, and M&S kindly reduced reduced interest rate to 0% but now they have reverted to normal interest rate as my monthy payment now covers the minimum amount due on balance. I just want to pay the whole thing off but they are now APR is back at normal 23.9%…

• Bank Base Reduction to 1.5%

  In view of the recent dramatic reduction of the Base Rate to 1.5% when will we see credit card interest rates reduced or will a reduction never take place?

• Reward Card? Purchasing new Windows!

  Hi We are about to go ahead and order new double glazing windows, at £5650! Is there anything we can do to get cashback when we pay, or something similar? Do we need a reward card? What type? etc etc. It is a local Window supplier that is doing the work, so not a chain company. Many Thanks Steve

• Amex - cashback card

  Sorry if this questions been asked before - can't seem to find the answer, so here goes! At what date does the first three months cashback start i.e. the 5%? Is it once I've activated my card? Thanks

• Morgan Stanley/Barclaycard MESS!!

  I see on here there have been problems with Morgan stanley cards being taken over by barclaycard. We pay our bills online, and have had them returned to us!! We changed the account when new replacemnet card was sent. We are now recieving letters threatning to take us to court for non payment. We spoke to Mr Barclaycard of…

• Virgin Credit Card

  Hi I've made it my New Years resolution to repay as much of my debt as possible this year. I'm currently working two jobs to help with this. I got home from working both jobs last night at 11.30 and noticed my Virgin Credit Card bill had arrived. I paid it online this morning at 10am...but then discovered that despite…

• Credit Card trouble

  Hi to everyone on MSE, first time posting! I have just applied for the new Tesco Credit card to be used as a 0% balance transfer. I need to transfer £4812.62 but they have just told me that my limit is £3000 and I can only transfer £2800 at the moment. I asked for an increase straight away explaining how much I need to…

• Help from you experts please!!!

  I'm looking to get a credit card but just dont know where to start. I only want it for emergancy transactions or larger items i.e- a t.v as your money is better protected. I will be paying off in full every month but wanted to know who people would suggest. I have a good credit rating and am over 21 so shouldnt have any…