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Halifax all in one - car purchase?
Guys, need help! I have 2600 in a bond which I cant withdraw till July - I need to purchase a new car now however. I've applied for the halifax all in one card with the intention of buying the car now (costs 2600) then paying the full amount off in July when the bond matures. Problem is, how do keep on the 0% interest…
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Help paying off credit card. Should I get another to keep transfering?
I've currently got a Virgin Money credit card with £1500 on it. I'm paying the minimum payment each month which is about £29, but £26 keeps getting added each month as interest, so my balance is only going down by £3. That will take about 45 years to pay off at that rate... What would be my best way to pay off the credit…
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Virgin Credit Card problems
My Virgin Credit Card is killing me!! I am unable to swap it to another card as im struggling to get credit. My balance is now £3423, from a limit of £3800. Over the past few months i've paid around £100 plus ontop of my minimum payment a month. My minimum payment last month was £89 interest being £86, i paid £200, but…
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Moving Home CC apps and how quickly electoral register updates
Just moved home and want to apply for a CC on my old address (registered there for over 6 years) and then switch all my banking to the new address . Wondering if anybody knows the timescale on how quickly the electoral register updates. Is it a matter of weeks or do banks not have access to electoral register updates until…
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Credit Card for Student
I was wondering if someone would be able to recommend a credit card for me. The card will be paid off in full each month, preferably by direct debit. Main reason for having it is section 75 protection. I have a student account with HSBC and a FlexAccount with Nationwide. Both are run well - never been over my agreed…
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partner just being turned for his first credit card
in years since having his ccj taken off and that was a big battle in itself. now he just applied for a card but turned down . equifax looks fine. never received experian even though sent them 2 reminders now!!!! he really needs to sort out cash flow. any ideas. he is self employed., thanks
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Halifax credit card
After graduating from University (June 2005) I phoned HBOS and asked to pay the amount off owed on a credit card and then to close the account. I was told this had been done on the phone there and then. I later relocated and have been away pretty much ever since with the army. I checked my credit history on a free trial…
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applied online
i have applied for a credit card on-line and at the end it said based on the info we will contact you in 7-10 days what does this mean and has anyone encountered it, are they more likely to give you a yes or no? cheers
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if an account is slightly overdrawn will this
put banks off giving you a credit card. thanks in advance.
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Default Sums & Default Notice!
Hi I am really confused and worried!:confused: I received a letter from Alliance & Leicester stating that I had missed 2 payments (which I completely forgot about) on the letter is said it was a Notice of Default Sums, is this bad and does this go on my Credit Rating??? Thanks
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Alliance and Leicester CC deals
Does anybody know what A&L are offering if you want to transfer on to their cards. I am interested in LOB deals. I own a card, £8600 on it. I will need to transfer this away then intend to transfer back if they have a good deal.
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have overpaid a 0% balance transfer so
have some money in credit. i told the bank i would like to transfer that money over to another credit card where i owe money but they say i have to give them the name and detais of the bank it originally came from (this is Virgin - have just checked on my accounts and i paid the transfer fee for this) as it needs to go…
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Default
Hi Does anyone know the current charges on the following credit cards, if you default on a payment? I have looked on their websites but can't find it. HSBC RBS NatWest Many thanks
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How long for a balance transfer?
Hi Please could someone advice me as to how long it takes once you have applied for a new CC and a balance transfer to actually arrive into your bank or CC? Thanks
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making sure you keep on top of credit cards question...
a friend of mine has several credit cards but says she finds it difficult to manage what is outgoing in one. she is on direct debit. does anyone have some kind of excel sheet they use or something . what is your best system to manage them all if you need them?thanks
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Balance transfer from credit to debit card?
Can I do a balance transfer from a credit card to my dads debit card? He recently paid my final payment on my car and I want to do a balance transfer from my new virgin 0% over 16 months to his account to pay him back. Thanks for your help.
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notice of correction affects credit score!!
hello all is it true that a notice of corrrection affects ones credit score? i know lenders have to manually check such cases and must take that into consideration, but a friend of mine working for a bank... head office milton keynes, says they have a internal scretive policy of refusing such applications. advice…
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Applying for a credit card??
Ive never had a credit card, or taken out a loan etc. I usually save and buy and use my debit card. I'm a FTB who has just had a mortgage offer and will probably exchange in the next week or so. I plan to have some work down on the new place and want to apply for a credit card for the protection if can offer me on…
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Overdraft repayment
I have lived in my overdraft for years now unable to earn enough money to pay off the debt. Although I have been making a concerted effort for several months now to only spend when I need to on things I need to buy rather than luxury items, I look at my bank balance just before pay day and see that I have not made much…
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Does paying off a credit card count as a purchase??
Last year I transferred the balance on my Barclays visa to Virgin's card at 0% on balance transfers till August 2009. This saved me almost £60 a month in interest so the fee I paid was worth it and I had worked out exactly how much to pay to clear this card however due to unfortunate circumstances this card won't now be…
