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0% tart versus 2.95% life of balance
I've got a balance of around £4500 on the Virgin card 0% until March 2010. Halifax have now offered me 2.95% life of balance which seems incredibly low. I've been tarting this balance around for three years or more and always usually manage to get another 0% offer as one ends. But I can't decide whether to switch onto this…
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Looks like Barclaycard closed its loophole
It looks as if the Barclaycard has shut off its 6.9% LOB transfer loophole for existing customers. We needed to shuffle some balances to take advantage of another LOB offer that ends soon. First step was to clear the Barclaycard to make room for the "loophole" offer discussed on MSE. Husband then called Barclaycard to be…
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Credit Card.Minmum Payment Due Date
Hiya All! My minimum payment on my credit card was due by 27th April, I paid this with my debit card on the phone on the 27th April. I was then given an automated message, saying my payment has now been processed and it gave me an authorisation code. I phoned my credit card company today and to my horror, they told me my…
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No spend on 0% BT card?
Why is it not recommended to spend on a 0% BT credit card, apparently it can get expensive? Can someone explain in plain english why this is please? Sorry little dense over here!!!
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Some good credit card articles
Ok so I take it I can't post links? =/
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Credit card interest rates
Hi Guys :-) I can't apply for anymore interest free credit cards, and I'm getting into a bit of a mess with them. So I'm trying to work out what is best to do to try and reduce my interest payments. I have just over £5K on a HSBC credit card, interest rate is APR of 16.7% and Virgin have offered me 0.9% interest on balance…
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Do Credit Card APR's ever come down?
Do credit card companies (MBNA) ever reduce interest rates periodocally without you asking or do they ever only stay the same or go up?? I had 3 MBNA card with normal 14.9-16.9% rates that have increased to 29.9-34.9% for no obvious personal reason (nothing wrong with my credit report, no searches in last 12 months, 2 loan…
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Transfering loans to a credit card
I have a loan and a credit card totallin £5000. Can I transfer the loan to a 0% credit card? Should I transfer both to a 0% credit card and pay off before the 0% runs out?
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pay in full or not
I am just wondering i have a high interest card and does anyone know do credit card lenders prefer you to pay the balance off in full every month or if you pay a lot more than the minimum repayment but not the full balance as they must like to at least make some money off you even if it only be £3 interest? i'm just trying…
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credit score spiralling out of control
I NEED HELP... QUICK just found out from a colleague that my employer may terminate terms of employment due to adverse credit score??? my credit score has suffered recently because, incorrectly, i felt that me applying for several different agreements would be shopping around. however my score has taken a big hit and now…
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Will i still get 0% from virgin credit card?
I am 3 months into a 0% deal but paid 1 day late so got hit with £12 late fee and interest . The interest i got removed but the late fee remained so i cashed some savings in and cleared the lot out of anger with myself and them,but i have a loan and virgin are one of he few cards that let you pay into a current account so…
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MBNA multiple interest
Are other readers aware that MBNA (who recently took charge of your credit card if you were originally with Bank of Scotland) actually charge interest for THREE months if you fail to pay off the full amount for one month only.:mad: I recently sent two late payments during a time I was preoccupied in caring for my sick…
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Which credit for me?
Hi,I need to apply for a credit card but do not know which one,as iam self employed.I have £8,000 of debt and pay back monthly.Part of that is payments to Barclycard who i have an agreement to pay babck £100 a month to.I earn £1800-£2000 a month but my credit file is not so good.
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Credit card protection.
I was under the impression that making a purchase using credit card came with certain levels of protection in event something goes wrong. During conversation with my current provider this morning they told me that was not the case and it was up to me to sort out any problems. Am I seriously out of date?
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Capital One's Outrageous Fortune
My first post, so be gentle. I was made redundant at Christmas and signed on on the 5th of January this year. I called Barclaycard to invoke my card insurance, to which they responded quite quickly. I also Called Capital One, who referred me to their insurers, Axa, who promptly failed to send the forms I needed. Called…
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Help with interest please?
:confused: Can anyone help with working out interest for me please.:rolleyes: I usually pay my bill in full but not in a position to this month. Balance was £662.65..I have paid off £462.65 and that obviously leaves £200. My APR is 16.9%....so what sort of interest will I pay next month. Thanks in advance
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Sainsbury's credit card cheques
I've just received some credit card cheques from Sainsbury’s (6.95% life of balance 3% fee), I have an overdraft (18%) that I never manage to clear but it's not getting any worse so I thought this would be a good way of clearing that. In the accompanying letter it says they can also be used to pay a garage or a plumber yet…
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Credit rating 756, will I be accepted for a 0% balance tranfer?
Hi everyone I currently have two credit cards 1. Bank of Scotland 29.9% interest, I owe £400 out of an £800 limit. 2. Capital One 34.9% interest, I owe £900 out of an £1,100 limit. So my total debt is £1,300. It's not too major however I'm also trying to pay off an overdraft of around £2,000 so I want to transfer my credit…
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Credit Card Debt
Hello!! Hoping someone can help me out - me and my husband got into a bit of debt after we first got together with credit cards & loans etc. We've got this down from 5/6 credit cards to 3. And we have been paying off £200 a month on each of the three cards for a few months now. As we have both been working full time. The…
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Leeds Building Society - initial limits.
Does anyone know what sort of limit Leeds BS dish out? I have about £2400 that I want to move over to their 5.9% LOB offer. More likely to get one as my Equifax credit report looks a lot cleaner than experian.
