Credit cards

Discussion List

• question re balance transfer

  OH has Tesco clubcard Credit card with % on purchases for 6m, due to nd in Feb. Would I be able to take out a Tesco clubcard credit card in my name, & transfer the balance. I have it all worked out, I'm stoozing, but dont know if Tesco will allow transfer between cards, or should I go for a completely different card

• MBNA Letter - Legal loan sharking?

  I have recently received a leter from MBNA giving me new rates for my credit card. They quote 2.5292% monthly for ALL services including card purchases, balance transfers, credit crad cheque transactions and cash transactions. This is the equivalent of 34.2% APR. What on earth is going on? Has anyone else had this letter?…

• dormant credit cards

  :confused: I have many dormant credit cards accounts that I have used in the past for balance transfers. What should I do with them now? Does it make any diffrence to my credit rating whether I cancel them or just leave them dormant?

• Best Credit Card for 20/21 year old who earns under £20K?

  As above - he needs it quickly too. Any suggestions? Many thanks:)

• online banking with Abbey cc?

  Hello just a quick question for any one who has a Abbey account and using online banking, are you able to make extra payments over the internet?? I can with Tesco but cant seem to work out how to on my abbey card?? The only thing i can see is to change my dd....... thanks for reading

• What are Egg 'Collections Specialists'?

  Egg have become beyond a joke. Just before christmas I ended up going overlimit on Egg Money by £9, now if they had processed deposits before debits like most banks seem to then this wouldn't have happened. What happened was there was a payment GAME PLC for £19.99 which shows on the statement dated 8th December (taking me…

• Can I cancel and then renew credit cards?

  Hi everyone, I was wondering if anyone had a view on this - I use my credit cards mainly to transfer balances and make use of the 0% interest free period. I have done this on a couple of cards already and still have these 'active' despite their balances being £0. My question is, can I cancel these cards and then at a later…

• credit cards

  I have a couple of cards that i want to pay the remainder balance off,can i offer to pay less to close my accounts?

• new to credit cards

  Hi i have just had my first credit card and my first bill is now due now i was wondering can i still use my credit card or do i need to pay my first months bill in order to carry on using it. many thanks

• Is a 10K+ limit hard to get?

  Im looking at a 0% BT from a card as an alterative to a 10K loan (to consolidate). Had cards in the past (not really tried to get high limits), but all im currently using is an Egg Money card for everyday spending cashback. Im a homeowner, earning 20K with a wife earning 16K......

• Sorry another MBNA Question

  With the MBNA credit card are you able to transfer from your MBNA account to your normal current account online? tia

• Switching to another 0% credit card

  Hi all. I've never done this before, so just wondered just how easy it is to do. I currently owe around £650 on my Halifax CC. The 0% offer is due to end next month, so typical APR will be 15.9%. So was thinking it would make better financial sense to switch to another card if possible. What's the best way to go about…

• steve

  Hi, Can anyone help, I recived a credit card from MBNA Approx two years ago, I had not applied for it and have never signed an agreement for it, When it arrived I rang MBNA to ask why ?, They said they had no record and could not find my address, They asked for the card number and my address which I gave, They then said…

• Is my virgin card working for me?

  I have a virgin card with which i pay off in full every month however i think its costing me money rather than being help full. I buy things online with it or anything of real value. I dont really pay much attention to statements just give it a quick look over. Now im looking at this months statement and i have been…

• Credit Card Minefield. Which is best for my circumstances?

  Hi all. I don't have a credit card. Paid it off last year feb and just use my maestro card / cash. Now reason why I am thinking about is as follows: I do a fair bit of shopping online and got caught out by a "reputable" company that went under and left me £200 out of pocket with virtually no chance of getting anything back…

• Very poor credit report

  I thought I would check my credit score today, I had only looked at the history before and not my actual score and my score is 270 which is very poor :( I lost my job in devon in september so I could not get one til mid october, I had moved into rented accommodation in devon from the west midlands and put all my spendings…

• Should I reduce CC Limit in order to improve Credit Rating?

  Hi Everyone I have 3 credit cards which I no longer use (I have cut them up!:T ) but they all still have outstanding balances on them. What I am wondering is whether I should call each of the providers and get them to reduce my credit limit to an amount just about the outstanding balance? For example, my halifax credit…

• Credit card dispute

  I am in dispute with a credit card company who do not reply to my Emails or letter. Is there an authority I can go to help resolve the problem ? Thanks.:o

• Internet buying with Credit Card

  Just out of curiosity, when you buy something on line with a credit card on a protected site it gets encrypted. Who actually gets to see your card details?Is it visible to someone from the site you're purchasing from or does it go straight through to the bank?

• Card Shuffle time Again

  Been doing the 0% shuffle for over 5 years now - But with the credit crunch etc.. Are the CC companies clamping down on this. Got £7K to shift from Virgin Money card at the end of January. Was looking to apply for the Halifax Plus Card (13 months 0% with 3% Fee), but have previously had a Halifax Classic and Halifax One…