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Santander Cards - contact email
Does anyone have an email address for Santander Cards? (Someone's set up a Topman store card with my email address - my address is just my initial and surname so this sort of thing's happened before, probably the same flipping person who keeps forgetting putting .co.uk instead of whatever domain they're really at! Just…
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How do defaults actually look on credit file checks??
Hi i was just wondering if anyone knows how exactly do defaults look on a credit file?? Like if you have 2 creditcards from same bank, used up the £7,500 on them, but then never made a repayment, and that was about 16months ago now... Will there be a default EVERY month, for each of those 16months?? :huh::huh: (So 32…
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intrest took me over
Hi all, Im so cross with myself . I took out a cc with aqua to try and improof my credit score/history. I have had the card since jan and the little green o's have been appearing on my credit file which im so happy about .THEN...... I was close to my limit and forgot about the intrest to be added and its took me over my…
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Capital One Classic Card
I have applied 3 times for this card in the past 2 years and been refused on every occasion, latest been last week. This card is widely advertised as a 'card to rebuild your credit'. All I have on my credit report is 1 CCJ due to come off at the end of the year and 1 default due to come off next year. I have been in full…
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Wipe it off, its dirty!
How many of you have managed to wipe off all of your Credit Card Debt?:confused:
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Amex Over Limit Fee - Credit File Implications?
Hi all, I have searched the Forums and have drew a blank. I recently acquired the Amex Platinum Cash Back Card and I already have another Amex card of five years plus. I have an impeccable credit history and took on this card to maximize the Cash back offer of 5% for the first three months. They only issued a £700 limit, I…
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desperate housewife needs help with balance t/f
hi all need some help please been reading through but cant seem to find the answer to my questions... ok i have a £3k catalogue bill that needs desperately sorting out its something like 39% apr. its never going to get cleared ! i have been looking at 0% balance t/f's. i have rung virgin and they said you can balance t/f…
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Tesco Confusion
Hi, I wonder can anyone help. I have a Tesco credit card, they recently sent me a letter offering 7.9% for life of balance transfer As my balance with them was zero I thought I would take advantage of this. I wanted to transfer £3800 from another more expensive card, so I gave them a ring. When I rang I was told there was…
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Please help me I am new and my blood is boiling!
Hi, I took out a credit card with Egg back in 2002 have a credit allowance of 4500 My current balance is 3000 , however I have never received a credit agreement from them, so when they informed me back in April this year that my rate was due to rise to 21% from 16 % I wrote to complain and request a copy of agreement. The…
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Best card to keep
Over the last few years, I've been paying debts off on four cards, each with a low life of balance transfer deal, as well as having a standard HSBC card. Since the morgage is now paid, my partner is taking out a home equity loan at 2.9% to pay the debts off (48K),which also include four personal loans. I will be debt free…
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Question about Credit Cards for Overdraft
Hello This is probably going to sound rather naive - I have never have a credit card before and have read the advice regarding the "super balance transfer" where Martin recommends the Virgin Money credit card. Unfortunatly I've got into some debt lately as my income has been reduced. There are two debts I want to pay off:…
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Can anyone help? Need credit card advice
To cut a long story short, 8 or 9 years ago i went mad on credit cards, on my BAA world card (BoS) i racked up £6700 or so, now that was 6 years ago. I stopped all credit card spending then, and have not used my BoS card since. I don't have much spare income and have only paid the minimum monthly amount which is all i can…
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HSBC Balance Transfer
I want to transfer £5000 to my HSBC mastercard but there's a 2.9% fee. I've just sent them an internet banking message asking them if they can offer me a 'deal' on the fee as it's such a large amount. I've got more chance of winning the lottery right? :-|
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0% credit cards?
I'm looking to buy a new car and thinking of getting a credit to enable me to get a better one. I'd need to put about £1000 to £2000 on it and then pay it off in 2 or 3 months. My question is this, can I get a credit which gives 0% interest for the first few months so that I don't pay any interest? never had a credit card…
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best available bt card
Hi what is the best balance transfer card at the moment currently with mbna . cheers
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Barclaycard Platinum
Sorry - another post. I just changed my Barclay card from Gold to Platinum, which has brought down the APR from 24.9% to 17.9%. However their site shows their ARP at 12.4%, why would the rate they have given me be so high? Thanks again Mike
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Help with 0% BTs please
OH has 0% on a virgin white card until Feb 2010 but HSBC (where he originally transferred his balance from) have offered him 0% for 6 months for BTs with a 2.9% transfer fee, offer closing Oct 09. Would he be better to transfer his balance to HSBC just before offer closes in Oct and then wait until Feb and ask Virgin for…
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Help with credit card payments
I need help with our credit cards, we (my partner and I) have balances on credit cards that we cannot clear in chunks. Our salaries are joined are ok, but we overheads we are trying to manage. The card are as follows (with what are interest rates, balances and credit limits). Virgin - 16.6% - bal £4k - limit £10k - min…
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newbie question regarding credit cards
Hi all, New to the forums and relativley new to using credit cards etc. I'm just after some advice to help me plan for the future really :) I'm currently using an M&S CC that was used to pay for car insurance, tax and a few odds and ends which has 10 months 0% on purchases. This is the first time I've used a promotion like…
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Headline 6.9% rate vs 6.95%?
Query: We BT’ed to 6.9% Sainsbury’s LOB BT’ed to 6.9% Barclaycard LOB Sainsburys in literature show LOB for 6.95% Sainsburys charge 0.561% monthly (yippee rounded DOWN?! err…okay… thankyou… but?) – so yeah, we agree to their T&C’s either/or don’t BT. Barcaylcard charge 0.562% monthly (rounded up?). No literature showing…
