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Variation of address and applying for Nationwide CC - what should I do
Hi, I've previously mentioned that after moving to my new flat, I am having problems with credit applications because of the way my address is listed (electoral roll version and Royal Mail version is different). I've contacted Experian to add a "variation of address" to my electoral roll, such that if the lenders search…
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My apr keeps rising... advice needed
I have currently a Flybe credit card which started at 24.9%. I used it for a balance transfer mainly, and the current balance is about £1,790. I am desperate to pay it off but in March the apr was raised to 29.9% and now I have had a letter stating it is to rise to 32.9% :eek: :mad: I have not used it for about 5 months…
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0% ending soon, can't get new card, advice please?
Hi all. Just wondering if you could help me decide what to do here. This is the situation: MBNA bmi Amex: Limit = £1000, Balance ~ £800 at 0% - promotional rate ending in June. Barclaycard Student Mastercard: Limit = £600, balance = almost maxed out at 14.9% I have tried applying for new 0% cards and low rate life of…
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Disadvantages of multiple credit cards?
there are quite a few offers on quidco for signing up for credit cards, and was wondering if there was any disadvantages of doing this? would it affect anything if a company can see you have loads of credit cards? i dont intend to use any of them, will probably just cut them up and carry on using my main credit card.
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advice please
need a bit of advice i applied for my credit card and bank charges ect from lloyds and they sent me over 300pages going right back to 1999 and also a letter ontop stating that all my loan agreements ect with signatures were there but they have missplaced my signed agreement for my credit card can i make a claim to write…
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how can I increase my credit limit
I would like to increase the credit limit on my card, would they increase it if I, add my husband as another card holder?
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mint credit card
I haven't seen many advertisements for mint lately they are still going aren't they. Can anybody give me there opinions on them if they have a credit card with them -what are their limits like -what is their acceptance rate like cheers
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CC accepted initially, paid balance transfer then withdrawn..
Hi all, I recently applied for an Abbey CC and they sent me a letter two week later saying I got the card, please send us direct debit details and proof of ID etc which I did and they even sent out the PIN and card (they had also already paid the balance transfer of 475£ for my Capital One credit card on 28/04/09). At the…
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WOn Battle or NEEDED help and evrybody just laughed
Recently I posted a thread asking for a help as I missed on my mbna amex credit card payment and they took away the promotional offer from me (0% balance transfer until july) and started chargiing me interest (1month almost £55 + late fee + something else). My excuse was that I did not received statement (which is true)…
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MBNA Now on Faster Payments
At last MBNA seem to be on Faster payments. Paid CC on Apr 30 and is now showing on MBNA website with a transaction date of Apr 30. At long last. Should help some people this month who thought they were late!
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Minimum Payment
Hi Everyone, Does anyone know what the the minimum payment is for the halifax credit card. Thanks for your help
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3.94% p.a
Hi everyone, Can some help me out and tell what p.a means I have recieved some cheques from the halifax and they are offering me 3.94% pa for the lifetime of the balance. Does this mean i pay 3.94% per month on the balance each month? Thanks for the help
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Advice Needed regarding Lowells Please????
A friend of mine had a Capital One credit card approximately 3 years ago, she decided to pay the whole balance off with a bank loan. She then after a couple of week received a letter stating that she still owed them £12+ in interest, which she paid immediately. Now, 3 years on she has received a letter from Lowells…
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Help please - which card?
Hi fellow MSErs, I can't decide which card to apply... I have £6500 balance on a £7000 limit HSBC MC and £5500 on a £6000 limit MBNA Platinum MC - both have just finished their intro offers....ouch Ideally, I would like to transfer my MBNA balance, in hope that if I cancel my card, they may offer some form of 0%. But even…
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2% charge with credit card is it worth it?
newbie here! I hope someone can help, I'm in a bit of a quandry! The balance of my summer holiday is due next week, which is approx £5,000 for all of us, and I had planned to use my M&S credit card, for the extra security. I have now realised that the travel agent charge 2% of the balance to use the credit card. I know…
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Unenforceable Credit Agreements
Due to filling in a questionaire online and having to select things of interest to me,i recently received a phone call from a company claiming they may be able to write off my credit card debt due to unenforceable credit agreements. Does anybody have any more info on this and whether they have been successful or otherwise.…
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abbey declined cc app - need to balance transfer
other half applied for a cc with abbey so that we can balance transfer... they said he failed the credit scoring... checked experian and he has a score of 931. no payment defaults on anything. no late payments.. The only thing that could be lowering his score is the amount of searches in 3 months, which is 6. the same…
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How to get a debt in my name
Hi, My girlfriend transfered a balance from one of my credit cards onto one of hers. I was given a card with my name on from her CC Co. (MBNA). Searching these posts, it appears the debt is hers now. Is there any way I can get this put in my name at all? The bill comes addressed to her when it 'belongs' to me. I don't…
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how can i pay off my OD onto a CC??
Hi there, Is there any way I can pay off my OD that charges alot of interest when i get a new credit card on 0%. I need to change my credit card and would like to transfer my balance from my old credit card and also wipeout my OD - how can i take advantage of the 0%?? Hopeing you can help, Sian
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Direct Debit Purchases
Hi, Couldn't find an article about this but wanted to know if I can make purchases on a credit card via direct debit. Not to clear my credit card balance via direct debit. I've been given a an account number and sort code for my credit card but haven't tried paying say my gas bill via the credit card but as a direct debit.…
