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Which credit card?
My boyfriend wants a credit card to help with christmas costs, which will be paid in full in January. He's looked at Barclaycard, the Goldfish one seems it would suit him (0% purchases), but it says you must earn £20,000 PA. Do you have to earn this? He already has a loan with Barclaycard and an immaculate credit rating.…
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Barclay Card 0% Cheque Charged Interest
Hi I used a barclay card 0% cheque to pay off another credit card balance. Aparently I used an expired cheque off an old statement, so they are treating it as their cash rate. Is there anything I can do to cancel the interest?
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Halifax card care
I recently applied for a Halifax credit card (12 months 0% on purchases for existing customers). When I applied online I was very careful to untick PPI etc. Rather than wait for the application in the (delayed) post, I went into branch today and they printed it all off for me. "Card care" at £18 for a year is on the…
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using DH's egg money to clear my virgin?
Anyone know if he will still get the 1% cashback if we use my hubby's egg money card to pay off my virgin cc? he has the money to pay it off in his account, but I just thought we could make about £30 more in cashback if we used his egg money - his credit limit covers the amount £3300. He thinks im just being greedy and…
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Why am I paying for someone else's credit card?
Hello, Go easy on me, this is my first post. Here's the story so far. I checked my internet banking this morning (as I do most days) to find that my credit card provider (who shall remain nameless for the moment) had taken £460 by DD. This struck me as a little odd as I don't use that card very often. I went through the…
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Credit card or car finance?
Hi all, I'm buying a new car this week and I need to finance about £4500 of it. I was wondering if it would be a better idea to take out a credit card for this finance or to take the finance offered by the dealer. I'm being offered a base rate of 6.9% from the dealer, which I imagine will work out about 13/14% APR. This is…
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MSE News: Doubts cast over credit card fee hike prediction
This is the discussion thread for the following MSE News Story: "Credit card providers are set to hike their interest rates and introduce more annual fees as they battle to survive, an industry report claims today ..." Read the full story: Doubts cast over credit card fee hike prediction
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Brits face higher credit card charges
Bad debts now 6% of cc balances, so looks like the people who pay their way will also have to cough up to the banks for those that don't, as usual…
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MBNA and 21 days wait
Hi there Quick question. Anyone applied for an MBNA card recently and been told it will be 21 days wait? If you have received it did you have to wait the full 21 days? I'm just asking because I have waited 16 days already and not heard a squeak. I wanted to transfer my balance before the end of the month so would be useful…
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Natwest "improved Mcard"
Caution if you had a letter a month or so ago which required you to opt out of an "improvement" to your Mastercard.I tried to pay my CC online today and noticed the number had changed and no new card received I rang MC and they said the numbers have changed because of the issuing of "improved cards" in the next 10 days.…
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Can someone please help? I don't really understand Credit Cards
Hi, im 23years old never had a credit card, but have an overdraft with BOS which currently is £680, I have been trying to clear this off for over a year now, but im quite rubbish with my money so it is always in red. I contacted bank this morning to ask if anything could be done about the new charges commencing 6th Dec (£1…
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Credit Card Comparison Websites
Is it just me? Or is anyone else horribly annoyed by them? It's bad enough that the adverts drive me up the wall, but I just dont get which site you would go to? I type in "credit card comparison" into Google and a host come up. What are peoples opinions on them?
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Egg rip off
I went to St Marteen last week on a cruise, I went into a jewelry shop and spotted some hello Kitty bits for my 12 year old, 1 was a watch with a pink strap and another a bracelet. The lady advised that the two together would be Twenty four sixty, which I thought was about right. When she put my egg through the receipt…
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How can I improve credit rating
Hello all, I am hoping someone can give me some advice on how to improve my credit rating. I am working full time and have never had credit of any sort, I have no outstanding debts and have always paid my direct debits on time. However....I have been refused a credit card from my bank and can't get a catalogue. How do I…
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Credit Card
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Capital One rate increases - can anyone help ?
Does anyone have a copy of marketing letters that Capital One sent out last year offering existing customers balance transfer rates for life e.g. "6.9% for the life of the balance transfer" - especially those from around July/August 2008 ? They now seem to be claiming they never made such offers to customers who have had…
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Does a late payment affect your credit rating?
Hi everyone, This is my first post and i'm looking for some advice from someone who knows please :) I was 2 days late making my credit card payment in September. Payment was due on the 12th and made on the 11th but was online and so didn't clear until 14th. I understand that it's my error and the lender has been kind…
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High minum payment?
I have a MBNA card that i have not used for some years. On monday i payed a vets bill using this card as my cat was sick. The bill was £48 & 3 days later the statement came through the post with a minium payment of £25. Even though i will pay the balance in full, i am a little confused about how a £48 balance can stipulate…
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Why was I refused credit?
Hi all. I recently applied for an Argos credit card as the voucher cashback scheme looked attractive. I applied on-line and was dismayed and slightly surprised to find I was refused. This was a couple of months ago. Anyway it didn't bother me too much. However I am going away to France next June and really could do with a…
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Introduction
Hi All, My self Michel Styris. I am new here. I have just completed IT from former university of waterloo. I am now a full time software developer working for the man in toronto. I like to read comic books, playing games and music. I plan to make Toronto a permanent residence for all the time. I am pretty much jokeing 100%…
