Credit cards

Archives for March 2009

Question for Moggles about Post Office card
I'm only directing this query at you, as you regularly mention this card when it comes to SBT's. I've just got one of these, but I can only see reference to 3 months free on purchases and 12 months on BT's. Is the transfer facility to a current account automatic, or do you need to otherwise qualify in some way. If it's…
PayPal foreign currency payment
I have a received a USD invoice and I want my debit card to be charged in USD, not in GBP. According to PayPal's help centre: I have got to the Review Payment screen and so far I have not been presented with those two options. I just need to be sure that PayPal won't convert to GBP before I press the Pay button. Can anyone…
Oh my god what have I done!! Overpaid a Capital one CC
Hey I am so stupid, I just paid off my balance on my credit card using the faster payment method from Halifax bank Then went back onto my account transactions on Halifax and realised I already paid them £500 yesterday :mad: I am just about to ring them to see what they can do (probably nothing at the min cos it wont be…
Credit Card Balance or Mortgage
Hi, I'm due a large Company dividend of £10,000 and was debating whether or not to clear a credit card or pay it off my mortgage. I owe about £112,00 over 20 years, the next 4 years are fixed. Any advice would be appreciated. Thanks
Credit card refund....
Hi, I am new to the forum and wondered if you could offer any advice? I booked a hire car through car trawler in March but then changed our minds on the same day (long story!) and so cancelled the booking and incurred no charges. However when the transactions came through on my statement as the exchange rate had altered…
Sainsburys Bank Reduced Limit
Hi, At some point in the last few days Sainsburys Bank have reduced the credit limit on my card. I checked online last week as I was planning a holiday and I had a balance of £3000 on a card limit of £10100. Fair enough I thought, find a holiday and book it using this card (I don't know if it really makes a difference as I…
Best credit card - Help
Hi I am 22 years old and currently have 2 x credit cards. 1 with £1000 and 1 with £3000. I am currently paying 19.9%apr on these and I am paying in total £170 back per month on these cards.. which at the moment is the max I can. I want to try and get a 0% interest card to consolidate these and get the balance down quicker…
Credit Card Advice Needed
I have a credit card with a balance of circa £3000 paying 9.8% interest. I would like some advice as to the best deal to pay this off. I am paying about 300 off a month but a lot of this is getting swallowed up in interest, only thing is I do occasionly need to use it to buy things. Any advice would be gratefully recevied!!
Red Nose Day and Identity Theft?
I just wondered if anyone else had become a victim of identity theft after donating by credit card for Red Nose Day? I donated on-line and didn't use the card again. Subsequently in the very next transaction, my details had been used repeatedly on an on-line poker site, clocking up close to a grand in one day! I alerted…
Egg Overlimit charged twice
Hello can someone help me get my money back! I have got an egg card. At the end of my statement in Feb i was charged my interest and this took me over my limit and i was charged £16. This meant that i had a final statement balance of £30 over my credit limit which worked out to be £780 or so. I paid £60 to bring me within…
Paying Off My Loan With A Credit Card.
Hi All i am new to this site and i am a nightmare when it comes to understanding money and banks. I currently have a loan for £2500 at a APR of 20.9% for 24 months still. I am thinking about getting a credit card to pay off the loan and then pay my credit card back at a much lower APR. Is this considered as a balance…
Nationwide
just applied for the Nationwide Flex Account as I am going outside Europe for 5 weeks and i know this card has been recommended, although you can only open the account by investing £100. I know that I will be better off in making cash withdrawel would anyone know exactly how much you pay. Also do you get charge for making…
debt collectors
I just got off the phone with a debt collector... who claimed they had 55 days to respond to a signiture request... is this correct in the US?
Credit card well over limit. help?
hey, i have a halifax one credit card i got when i was 18 and its been at its limit eversince and ive only ever made the minimum payments, the limit on the card was 500. Im now coming 23 and this card is starting to get annoying with phone calls every day from 08456029441, even as late as 8pm at night! when i answer noone…
Egg Money withdrawal question
I have a positive balance on my Egg Money credit card - can anyone tell me the best/quickest way to withdraw it (via an option on their web site?) to my current account and how long it it normally takes.. Regards Sunil
Balance Transfer Question...............
I've got the Virgin CC I know that I can BT up to 95% of the available credit limit.........but does this include the BT fees or not? Thanks!!!!
Does this sound correct?
Balance outstanding: £5740 Monthly interest rate: 0.479% Estimated interest: £33.20 I make it £27.49. ?
Help with cca section 75
We recently bought a car which was partially paid for on the credit card. The car has had several problems, coolant sensor fault needing a replacement, a new battery and 2 new front tyres, all of which happened in the 3 month warranty. We contacted our cc company and started a section 75 process and we have now received a…
What happens to my credit rating?
Hi folks, I'm a fairly new reader of the site and a brand new newbie to the forums. I have a question about credit cards and credit ratings. This month is already a tough month a couple of days after pay day. After doing my maths, it turns out I won't be able to pay one of my credit card bills (which incidentally, went…
Never had a credit card - If I don't use it do I get charged?
Hello, I don't know the rules and only require a credit card for emergency situations. Is there a standard charge just for having a credit card? If I don't end up using it will I still be charged a fee. Is there a one time charge say for applying and getting a card or even if applying and being refused? Thanks for any…

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