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MBNA 6.9 % for life of balance transfer
Hi just a quick question, I have an MBNA card, which has 6.9% APR for the life of the balance transfer, need to buy a new car as mine died on me, am I likely to get a better rate on a loan, have looked but can't seem to find anything better but thought you guys might know? Also is this really for the "life" of the balance…
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Payment refused although money to cover bill
I just tried to pay a bill online, to a credit card, using my Visa Debit card and when I went through the password stage I got a notice stating that the bank had refused to pay it as my ceiling limit had been reached. Never had that before, I though I could pay any amount or am I limited to £300 a day like with the ATM.…
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0% deal coming to an end. avoiding interest
Hi, just a quick question. Our 0% deal finishes on 23rd Nov. Statement date is 22nd. with payment due date 13th Dec. To avoid interest charges do I need to clear the balance by 23rd Nov or will I have until payment due date. Tried phoning customer services but did not get a straight answer (India call centre:mad:) Money is…
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Rental application form (paper) asking for credit card authorisation number
I'm filling in an application form for a rental property and it's asking for credit/debit card details in order to do ID checking. Fair enough, but it has a 3 space box for 'authorisation number'. I assume this must mean the CVV and I'm very reluctant to write this down on an application form that is going to be kept and…
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tele billing
Hey Peeps, First time user here. After using some adult entertainment i called a number from a T.V channel on an adult line. They suggested that it was £1.99 a minute, hung up the phone on me after about two minutes. Stupidly i have given my credit card details over the phone and they have billed me £45.00!!! I have…
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Is this right what MBNA are doing?
I know someone who has a card with them and they put the interest rate up to 34.9% This is bad enough but the minimum payment isn't covering the interest, they take a minimum payment of interest + £5 out by direct debit. The card isn't being used, the minimum payment is being paid every month but the balance is actually…
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Is it really 0% for `x` months?
I have just got a Tesco credit card to use their 12 months 0% feature. But in the small print it says "Maximum 51 days for purchases if you pay your balance in full and on time, and have paid the previous month’s balance in full and on time." Is this really just a 51 day 0% interest card? I thought any purchases on the…
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Normal practice?
This happened a few months ago but just recently discovered these forums. Basically what happened is that my girlfriend missed a credit card payment. She simply forgot it was due because she didnt recieve her bill in time due to our local postal sorting office being a shambles where mail is regularly up to 10 days late…
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Natwest overlimit charges
Due entirely to my own crass stupidity :confused: I went over my limit on my Natwest Credit Card. They sent me a letter telling me of the £12 charge they would be adding, fair enough. I paid the minimum immediately, then calculated that I would need to pay a bit more to cover the charge they were going to add on so I made…
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Barclaycard Min Payment Debacle - Advice Needed
All, Looking for a wee bit of advice Back in June, Barclaycard notified me of suspicious transactions on my credit card. They then asked me to review 12 months statements and let them know of anything suspicious and they would investigate I duly requested copy statements via there Customer Services. Unfortunately these…
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Pre 1974 Credit Card
Hey All, this is my first post in relation to debt on here but I know how helpful you all are so here goes :D We have been dealing with my Dad's debts now for many years, from which we had 10 and now have 6 left, of which 5 are Credit Cards. Four of them are being repaid monthly at the moment. The other two are more…
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Would we be accepted for this credit card ?
Hiya, I apologise if im posting in the wrong place but here goes. My partner has £5200 on a credit card that started off with Intelligent Finance with a interest rat of 8.9% It was recently transfered to halifax by IF but the interest rate is now 16.8%. We want to balance transfer and was thinking about the Barclaycard…
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CC app Rejected wrong info entered by P.O
Applied for a Poat Office cc for the BT, get 0% for 15 months being an employee only to be rejected and they said i will get a letter why i was rejected. Got lettter today with no explanation until i supply them with a ton of details so i signed upto the 30 day free credit check with experian. There on the list is the…
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MSE News: Credit application system is flawed, MPs told
This is the discussion thread for the following MSE News Story: "Borrowers are missing out on the best deals or paying too much for credit due to flaws in the application process, MPs were told today ..." Read the full story: Credit application system is flawed, MPs told
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Credit Card Fright
Hi there, after losing my original holiday to Florida to the demise of Travel City Direct i then rebooked with another travel agent and got the same resort i originally booked 1st time up. On return to these shores noticed that just under £1000 was taken from my visa account by the owners of the villa in the resort. After…
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Transferring an overdraft - Virgin Credit card?
Hi, I'd like to transfer a Nat West overdraft of about £1500, which I am currently paying £25 a month interest on, to an interest free credit card. I a currently paying off about £200 a month on the overdraft so would hope to have it cleared in less than a year, allowing for 'abnormals' like Christmas and birthdays! In the…
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Mint - cpp card protection
Have a Mint Visa Card and have had a transaction from CPP taken off my account without my knowledge and permission which has put me over my credit card limit whilst out the country. Have asked mint to dispute the transaction - they wont ! They advised me to dispute it with CPP as its a bank issue . Have repeatedly phoned…
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Never had a credit card
But I'm about to take the plunge. I have whittled it down to two eather Marks & Spencer [m&s]credit card or Asda credit card. It's just for peice of mind and the ballance will be paid in full each month. Any thoughts. Regards. Thornbridge
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will a credit card help?
hi guys, can someone help me out?... basically i am paying off a loan which will take me a few more years but other than this i have no credit history and as I have been looking into stoozing I tried to get a 0% card and was turned down. I have tried a few over the past year or so (I know you shouldnt apply to lots at the…
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Credit Card Mess
Hi guys, Currently in a bit of a muddle with my credit cards, im 21 and currently employed full time earning around 1.2k per month after tax. Now i currently have 3 credit cards and 1 store card on the go; * Natwest Balance: £377 - Limit: £400 * Lloyds Balance: £695 - Limit: £750 * TheAA Balance: £2450 - Limit: £2500 *…
