Credit cards

Discussion List

• Air miles card

  Since cashback cards seem to have bitten the dust & I'm pretty canny at paying almost all or all of my balance each month (those that aren't on 0% deals anyhow) is the Lloyds TSB card the only credit card offering airmiles? Since travel is my luxury and I've never been rich I'm already converting my Tesco clubcard vouchers…

• Combine C.Card and overdraft clearance

  Hello there, I little new to this so please be gentle! I was hoping to clear my overdraft of £ 2300 with Lloyds TSB Bank and also pay my Barclaycard of £1700 26% apr!.Looking for any suggestions on combining these and the cheapest way of clearing. Already have Virgin £0 balance and Capital one £0. Many Thanks!

• Help and advise needed!

  I have 3 credit cards... I halifax which i have had for a good 3 years, with a £0 balance - origianlly i had a £3450 limit on it, then they reduced it to £750. I have 2 other cards a Mint Card with £666, limit £850 on it and a MBNA Card with £860 on it, limit £1000. My credit score has gone up over the last 6 months from v…

• Does getting rejected for credit (not a credit card) affect your credit rating?

  Hi All, Not really sure where to put this but id like to buy something on HP over 3 year apx cost of £1000 - £1500, About a year ago I have a credit card "Defaulted" (this is the only bad thing within my credit) I recently paid this card off (Nov 08) I think my credit score was around 400 before I paid it off, My questions…

• i have a abbey mbna card, ive been excepted for a 0% barclaycard, but also virgin

  have a abbey mbna card, ive been excepted for a 0% barclaycard, but also applied for a virgin card, the £5k im shifting on to the barclaycard, they excepted straight away but virgin said 3-5 days for a decesion???? do you think i will be declined by virgin , I also declined a offer of a loan. so 3 searches in one day on my…

• Amex Just Increased my interest rate from 4.9% to 14.9%

  Just got a letter this morning saying with effect from March they have increased my life of balance card from 4.9% to 14.9%!! Has this happened to anyone else? I thought as it was a life of balance it meant what it says. I've got to go out now but I shall phone them later to find out why. They have been acting very odd…

• abbey overdraft and options????

  Hi Could anyone give advice to a money slacker (altho determined 2009 will be year of change) I switched from abbey to A & L last March. Abbeys service had nosedived and had had enough so swith to A & L premier which gave me a 2K overdraft. My od with Abbey was 1750 and stupidly did not pay it off but have not used a/c…

• A+L Credit card.

  Does anyone know if its easier to get a credit card from Alliance and Leicester or are they dealt with externally by MBNA? Does being a customer make it any easier? I could do with a 0% deal to help out my existing debts but I don't want to risk hitting my credit score only for it to be rejected. Or is it probably just…

• Tesco Credit/Clubcard?????

  Hi, Is there anything stopping me from buying something expensive on my Tesco Credit Card/Club card and then return the goods but keeping the points? To exaggerate my point, say I buy a £10,000 car on my credit card. The car comes with a no quibble money back guarantee. I then return the car, get the money refunded and…

• Declined c/card application with Egg

  I have just been declined a credit card with Egg. :confused: I do have 2 loans/mortgage/1 credit card/overdrafts... i.e. some debt, but I always make my payments on time. Same with OH who is associated with me credit-wise as we have a joint loan/mortgage. Basically, I wanted to transfer a £5k balance to a new card to get a…

• Barclaycard Debt

  Apologies if this is in the wrong forum, I wasn't sure whether this should be in the credit card or debt forum. 2 years ago I paid off a Barclaycard debt via a company called Moorcroft. The balance was around £830 when I was offered a full and final settlement of £700. Last month, I applied to open a Barclays bank account.…

• I'm moving house - Will this affect my credit rating?

  Hi; I am moving out of my parents after 13 years living there as an Adult (I'm 31), into rented accomodation. I currently have a good credit rating and have several 0% credit cards, which I use to juggle my debt. I am concerned that moving house will affect my credit rating and ability to obtain credit in the future. I…

• Barclaycard Loophole

  Hi everyone. Could anyone tell me if the barclaycard loophole still exists. I currently have a platinium barclaycard but am coming to the end of my 0% deal. I would like to use the card for a long term life of balance so as to pay the debt off but do not know if this is offered to existing customers. I read Martin's…

• 0% card needed to transfer Virgin balance to

  Got a balance of about £4,000 to transfer from my Virgin card that 0% interest offer ends on in a months time, any recommendations? I know a lot of cards are owned by the same company and dont allow balance transfers from one to another if both owned by the same lender Whos best to apply to? Seen MBNA Platinum one with 0%…

• please advise me...

  Hello I am Siobhan I am new to this forum! here is my situation: my mum has a credit card, she owes over £3k and min payment is £72 per month, the interest is £58 so she is clearing £12 per month, problem is she has no income and is a housewife. My dad is unaware of the debt and she is terrifed of telling him so therefore…

• Monthly Payment Reduction to CC Company

  Dear All, Fairly new to site and trying to deal with my 20K credit card debt. Yuk. I have sent letters to the five credit card companies asking them to reduce the monthly payment amounts using the imoneymanager template, I am waiting for responses. A friend said that if I am accepted for the reduce amounts I will also be…

• Alternating Credit Cards when shopping

  Long time ago, I read somewhere that there is some clever, but simple way, of extending interest free days when shopping with Credit Cards by alternating their use depending on the statement due date. Now, I can (sort of) imagine how it would work, buy I have several credit cards, and most of the statements (and hence due…

• Sainsburys Credit Card - Which bank?

  Which card company backs the Sainsburys Credit Card or is it themselves? I ask because I have the amexe Nectar card and an MBNA but find on many ocasions reatilers will not accept the amex so I want to change it for the Sainburys one thats a Mastercard. Thanks

• Massive balance transfer muddle. Help!

  Hoping for some simple advice - if you can spare the time :o Situation as follows. Am trying to pay off my debts in the most simple and cost effective way possible but am confused as to what to do and have limited options... I have (decreasing!) debt on three credit cards :o Barclaycard - £300 at 20% GM Card - £1500 at…

• ford finance credit @ 0%

  i bought a car back in march 2008..... it was a new fiesta @ £150 per month for 60 months the total was £9k i have had the car almost 1yr so i have paid off £2k so the finance outstanding is £7000 thing is id like a new fiesta @ the same deal only thing is they'll only give me £5000 on part-x so i need to find £2000…