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Credit cards
Would like to know if there is any credit cards that do 0% interest for a certain period on cash before you get charged or do they all charge interest the moment you withdraw cash. Also what's the interest charge on average for cash withdrawels, if l was to draw £200 out how much interest would that be after a month.
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Best credit card for traveling round Australia?
Does anyone know what the best credit card would be to use while traveling around Australia? Paying off monthly shouldn't be a problem, but don't want to pay any charges, just need the security of the credit card. We're off at the end of October for 3 months, so any tips welcome! Thanks Stefan & Anne Marie
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Just a quiery
Hi all,i have a cc with lioyds tsb,i had a limit of 4,000,which is being reduced to 1,000 ?,if i want to appeal against this i must write to expierian ? to explain that i want my current limit to stay the same or they reduce it,why is this ? i had a couple of plans with some of the cash
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Insurance I didn't realise I had
I was made redundant at the end of March, and was out of work for 3 months. I had a call from Egg Credit Card today and discovered that I have insurance with them. I wasn't aware of this and was going to cancel it on the spot, but didn't want the hassle as I was cooking at the time so thought I'd leave it until tomorrow.…
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18 yr old given store card despite having no credit history - help!
Hi, My sister was given a Debenhams credit card when she was just 18 and had no credit card rating. My sister had asked for a store card, but was given the mastercard instead (she was able to use this anywhere). At the time she was working as a full-time waitress and being paid below the minimum wage. Her card had a £1,000…
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Goldfish/Barclaycard
Has anyone else had the offer to have double points and your current points total doubled in returned for paying a monthly fee of £2. Is there anything stopping me from signing up for this, doubling my points and then cashing them in and then cancelling the whole card after say one month?
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Notice to cardholders leaflet - help!
Hello, I have searched for the below on the forums and can't find any answers, but apologies if I am repeating a thread. I recently received a leaflet from citicard, with whom I have a BMI Baby credit card (worst mistake of my life but moving on...), it stated the following... "In our credit card terms and conditions,…
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should I wait?
Hi all, I've currently got card with cap 1 and have about 1years worth of nice green (0s). My adverse data falls off my files in 2 months this will just leave my mortgage(up to date) and my credit card. This may be a silly question! but should I apply now for a mainstream card or wait 2 months? Also how are Virgin to get…
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Card with a decent limit
What cards generally give decent credit limits? I currently have;* Virgin (£4500 limit - £4300 balance) * Capital One (£200 limit - £0 balance) * Capital One (£2000 limit - £0 balance) * BarclayCard (£2250 limit - £0 balance) * FlyBe (£2000 limit - £800 balance) I plan on closing the 2 Capital One cards and the BarclayCard…
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Barclaycard 0% bt cheques April 2010
I have again today received the bt cheques and as alot of you know to pay of existing balances. However has anyone just paid them into their bank account and still enjoyed the promotional rates. Or paid them in and they have been stung with the normal apr because the cheque was not payable to a credit card company. Cheers
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Returning goods paid by debit/credit card
When returning goods paid for by credit/debit card do I have to give my address to the shop? I feel that someone then has my card details including the 3 didgets on the reverse of the card if they are clever enough and my address everything you need to purchase goods over the phone or on the internet.
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Thomas Cook Credit Card customer service
Hi all, Could do with some advice. Back in Feb 2009 I cancelled the direct debit arrangement that collects the minimum payment from Thomas Cook Credit Card (TC). All fine and dandy since and have been paying full balance by debit card or faster payments. Just received July's statement and there is a £12 charge for returned…
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Capital One - Bad Credit Score
Hi, I heard Capital One offer a credit card (34%) for students and others with bad credit history. So, I applied today and was accepted, despite my history and the fact that I'm not on the electoral register. Does anyone use the same credit card? I was just looking for some past experiences with them. I plan on using £500…
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Balance Transfer nightmare
Help, My Husband has a M&S credit card and recently transfered the balance from another card onto this one, only problem is it didnt go through but the money is now showing on the card! Which mean we have two lots of the same debt, we have tried to call M&S and get them to remove the debt but they say they have passed it…
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Requesting Interest Rate Reduction
Hi, Has anyone tried asking citicard for a rate reduction? I got a good deal when I rang HSBC :rotfl:but cant find any thread about anyone trying it with Citicard..................
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Obtaining store cards?
Hi all, I've never had a store card, have stayed away from them for the obvious extortionate interest rates, however I'm trying to establish some credit on my report. At the moment, my credit score is 311 (equifax). The concern according to the report is the electoral roll (will be 3 yrs in Oct) and my only credit history…
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Stuck with Virgin???
Hi there, I have a Virgin credit card with a £13K balance (whoops!), I am being charged 16.9% APR and want to switch to another card(s), but the minimum repayment with Virgin is 1.5%, all the other cards I look at are 3% and whilst I am on maternity leave I can't afford it. Are there any other cards out there with a 1.5%…
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Paying off balance
I was wondering whether credit card companies ever negotiate a settlement figure to pay off an account or are they strict about paying it all off in full. We owe quite a large amount and may be in a postion in the near future to be able to settle most of it - has anyone successfully done this?
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APR hikes
I received a letter from my credit card company a couple of months ago to tell me that they were increasing my APR rate from 9.95% to a stonking 24.9%, yesterday I got a further letter to say they were increasing the rate again to 34.9%. Can they do this???? Like others I pay off the balances and didn't actually owe…
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Current sub prime card holder, need higher credit limit
Hi I have a Capital One card and a Vanquis card, both with £300 limit. I've had them both over a year and at first they both tried to increase my limit, I contacted them both to reduce it down as I didn't want the temptation there. I am going on a conference to America in August and may need to use my card to guarantee the…
