-
Suppliers of life of balance cards
Hi all, newbie here so apologies if this is covered elsewhere, but I searched and couldn't find it. Is there a list anywhere of various cards, and the companies behind them? My reason for asking: I have an MBNA card and a Barclaycard, and am looking for a life-of-balance-transfer card, but that means that I can't apply for…
-
I am getting flooded with charges, and cant stop it.
credit card is £1100 limit, I am a full time student and lost my job about 6 months ago. since then I have only been paying what i can. In september i made a payment of £150 brought my balance into about £1,000. and now It is £1270 due to charges + APR I have phoned them up explaining my situation, and if they can stop…
-
Declined Twice!
I've had two credit cards so far, HSBC and Tesco, both had long 0% purchases intro offers so I used them till that expired. I never missed a payment and paid the cards off in full before the end of the intro period. I was recently looking at getting another and applied for M&S first - got a decline, which really shocked…
-
Carnt get accepted for credit card ?
Ive tried a few companys for a credit card but with no luck . Im in full time employment so I dont see why im being rejected? What companies out there are good for first timers? thanks for any help
-
Store card turned nasty!
Have been told by friend they had a store card turn to credit card, she has being paying it back at the minimum payment now for 15 years !!! They have never defaulted but now struggling to meet monthly payments. Seems very unfair where can I go to begin to help her?:mad:
-
VIRGIN CC - DROPPED MY APR!!!! Why????
The last couple of years Virgin have really stiffed me increasing my APR from 15.9% to 18.9%, to 24.9% and then to a whopping 29.9%. I opened a letter yesterday to say my rate was now 15.9% !!!! Has anyone else received similar letters from Virgin? The only thing I can put it down to is that I have cleared 1k off it in the…
-
Lloyds TSB Platinum Mastercard
hi guys any one applied for the tsb platinum card recently? what are the acceptance rates like? also do customers of the TSB have pre approved offers online in their IB session just like Barclays..... i have a current account with them but no offers appearing yet except an option to to apply for an overdraft. and lastly…
-
Advice on 0% Balance Transfer Cards
Hi there I was hopiong someone could help me. I currenlty have a credit card with HSBC which I pay above the minimum off every month and owe £2600 on. I also have a virgin card which I used to clear my overdraft earlier this year and is still on a 0% interest offer until next June. As I only have £600 left on the virgin…
-
DD to pay in full - 10 days early?
I have a Direct Debit set up to pay off my Royal Bank of Scotland Platinum card in full every month. I have just found out today that they will only take "payment in full" on a payment date TEN DAYS before the payment is due (e.g., if the statement date says that payment is due by 25th of the month, they will take the DD…
-
Mint card question
I've had the letter this morning that my mint card apr is increasing, so my plan is to just tell them to close the card and keep making my usual payment until it is paid off. My question is, how will this look on my credit file? Will it show as an arrangement to pay? Or will my debt look like more than my available credit…
-
help with barclaycard initial visa
hello i have this card with an interest rate of 27.7% and a credit limit of 1260 mostly maxed out not to bothered with the limit as i always keep up on payments i just want a card with lower interest rate as this is extremly high considering i have a lloyds tsb airmiles card at 15.9% (i have missed one payment on this card…
-
Egg Card Advice Please
I am currently unemployed and have £5077 on an Egg Credit Card (Not 0%). I am currently managing to make the minimum payment each month (just) but it's a struggle. I cannot get another card because I have no job and am not a home owner. What I wondered was whether or not it was worth my while calling them to advise them of…
-
Advice Required
Scenario: Say I have credit debts of £5,000 on 5 credit cards, a total of £25k, and I want to pay them all off in one go but only have £20k with which to do so. I am currently only paying the minimum repayment on each card and therefore making no real headway on the amounts owed. I have written to all 5 card companies…
-
Need help on who to talk to!!!!
I am currently in a dilema, I have a few credit cards and want to move them on to cheaper or 0% interest rates for balance transfers. My credit rating is classed as FAIR although I have never missed a payment or defaulted on any financial commitments. I have recently applied to my bank HSBC for 0% for 15 months on Balance…
-
Does nterest free period on CreditCard affect Credit Rating?
I have recently opened a Tesco Credit Card with 12 months 0% interest on new purchases (as long as you pay the minimum due every month). Now I am one of those people that always pays the full balance off every month without fail. However my question is: If I was to take advantage of this 12 months interest free and only…
-
Electoral Roll Updates?
I moved to my present address last June and registered online to be on the electoral roll. I just checked my credit file and I am still shown as not being on the roll. In a previous post someone said it should show up in December. Does anyone know approx what time of the month it will appear on my credit file? Thanks. I am…
-
Accepted for RBS MasterCard but question....
Hi folks Last night I applied to RBS for a credit card. I was accepted with a credit limit of £1300 and signed up online. My credit score with Experian was 949 before I applied however checking this morning it has dropped to 801 as the search RBS made updated Experian overnight which now says I have 3 searches in the past…
-
get out of debt
Hi, I have 4 credit cards and keep switching them so that i am only paying off my debt and no interest, however i also owe a friend £3000 and i have an overdraft with my bank of £1000. I am not sure which is my best option to make everything easier for me, between all at the moment i am paying off £250 per month.
-
Fraud liability
Hi all, I'm new around here and wondered if you'd help me clarify a point on liability for fraud on a new Virgin CC. When I phoned to activate this new card, the call-centre chappie tried to sell me some fraud protection insurance for £35. I said I didn't want it, but he started telling me that if my card was used…
-
Silver Mastercard
Just applied for one online and it said I had been accepted. :D Thought I was at my limit for credit cards. Hoping I'll get some sort of decent limit to carry on with my balance transfers. [That's 7 now btw]
