-
0% purchases and 0% transfer
Just applied for Tesco Clubcard Credit Card which currently has 0% on purchases for 12 months. Got it as I plan to purchase a few items (£1000 worth) that I don't then have to pay for until next year (besides the minimum payment). At the same time I put in a 0% balance transfer of £500 from my other credit card. I've just…
-
Allaince and leicester credit card cheques
I got some 0% for a year credit card cheques sent from Aliiance and Leicester. Since I don't have a balance at all on the card I was thinking of using one of them to take say 2k and then pay back all at once from savings at the end of interest free period. That way I can still get the interest from my savings for the year.…
-
Virgins 0% BT question...is this cheeky?
Hi, My Husband has been a Virgin CC customer for 3 years. He received his new card recently and when he called to activate it, he was told that he had 0% on BT for 6 months (Jan 2010) We decided there and then to transfer the balances from our 2 other cards onto the virgin one - bonus! I went on the Virgin CC website later…
-
Barclaycard charges to receive payment!!!!
I have just come off the phone after a twenty minute conversation with some poor man. The story is I live in Ireland currency Euro, pay visa Sterling via internet banking Bank of Ireland. My bank to do not make any charge for this service. I have recently being visa at a rate of £60 per week and they have taken a £2…
-
Possible Redundancy - 0% BT Now?
It's quite likely that my OH is going to be made redundant in the next couple of months. We've got a balance of approx. £3,300 on a 0% credit card which we are paying off at £120 per month. The 0% ends on 1st December 2009. Would it be best for us to apply for the best 0% balance transfer credit card and apply now (while…
-
Do CC fiddle with minimum repayments during BT deals?
From time-to-time I've noticed Barclaycard, MBNA and probably others modify minimum repayment rules. This has never yet been to my detriment. Has anyone taken out a BT deal and then found the CC company attempts to increase the minimum repayment? This would be particularly significant in the case of long term deals - eg…
-
First credit card
I am 18 and have just applied for my first credit card simply to improve my credit rating. All I have at the moment is a cable bill so I really needed something. The only company that would accept me because of this is Capital One. I have no idea about how these cards work or how interest is added, I have just been told to…
-
What credit card is the best to apply for...
What is the best credit card going at the moment for interest free , low apr, balance transfers etc. Also is there or has there ever been a credit card that does a interest free period on cash withdrawels.
-
tesco Clubcard Credit card - a little confused
Hi all, my first post on here, but must say that i have used the site a lot in the last year to help me with my finances so a big thank you. i am posting regarding the above credit card, i have seen that it is offering 12months 0% interest on purchases, and am thinking of buying a car and paying back on the card, having…
-
Im sure this is illegal but need advice!
I'm just back from ASDA and had to ask the guy at the checkout to take back half the stuff because my card was declined. It came to £50 and I knew I had over £400 in my account. Checked at the cash line outside and my account had been cleaned out. Phoned Bank of Scotland just there and they said Halifax have taken £300 out…
-
Stop credit card payments
I have had a bad experience with a car hire company in france. Two cars with same bad problem - had to spend day of holiday getting car to a garage, waiting to be taken to another town by taxi to collect third rental car which was OK etc. etc. The payment through Easycar has already gone through my credit card for the…
-
Can Asda/Santander do this
Have had an Asda CC for 2 years now, never missed a single payment until last month. However, I wrote several weeks ago telling them I was undergoing temporary hardship, and could I make reduced payments until my business picked up. Last week, I received a £1,000 PPI refund, which went straight into paying off half the…
-
Where to BT to??????
Hi All, Ive got a Barclycard Platinum Card with £1100 on it and apr is 11.49%. I had a virgin card that I balance transfered to and it has now been paid off so balance is nil and I cut the card up, although account is still open. I had an M&S card, balance nil, card cut up although account still open. Im looking to bt the…
-
Some advice and a recommendation if you please!
Edited as information is appearing on google...
-
Anybody have knowledge of the credit card industry re: how / where money is made...
Following a couple of recent threads in which it seems there has been something of an abrupt turning against non-borrowing credit card customers; I'm curious to know if anybody can shed any light on how / where money is made within the credit card system. Let's take the 3 primary credit card "brands"; MasterCard Visa…
-
preventing payment via Visa debit
I've recently sold my car as it's surplus to requirements as I now have a company car when I phoned up to cancel the policy I've been told I'll have a £35 charge deducted from my card tomorrow then a further £85 on the 30th I think the £85 is a !!!! take to be honest. I can understand the cancellation fee but not the other…
-
Is a Visa-Debt card coveredby insurance??
Hi Guys my father has just been duped by a holiday scam and paid via his VISA-DEBT card, can anyone tell me if he is covered by insurance or not, I told him not because as it was a debt transaction (the funds have gone from his account) and insurance only comes into play if paid via a credit card??? Cheers AA
-
MBNA changing payment date
Hi, My hubby has an MBNA credit card that had a 12 month interest free balance transfer. So last year I transferred the balance I had on a loan to the card and set up a standing order to pay the monthly payment to MBNA at what I was paying on the card (a lot more than the minimum payment). Hubby logged on to check his…
-
Advice on paying off credit cards....
I am in the position of currently only being able to make the minimum payments on my credit cards. This is only paying off around £2 a month on each card. Is there anything that I can do (apart from going to a 0% credit card, but as I cant get lots of cards to move the balances, its not totally feasible) to get as much of…
-
I thought CC companies weren't allowed to send cheques out anymore?
I got 4 sent with my vanquis statement yesterday...?
