Credit cards

Archives for June 2010

Experian wants a worldwide, royalty-free, non terminable licence to store and use the
so I signed up for the 30 day trial with credit expert to look at my experian records. I don't like the idea of all this data on me being kept, but one has no option but to sign a bank's T's & C's when opening a current account, etc, and so there it is on the CRA's books for eternity. BUT, handing these guys MORE info when…
How public is the edited Electoral Roll?
Hi all! Just got off the phone with a guy from Barclays (or rather the people they're using to push ID fraud protection). In the course of his spiel, he told me that even though I'm on the edited version of the Electoral Roll, it's still possible (for a fee) for people to get my info, and hence that being on the edited…
Avoiding a return to debt
Evening Forum, I've been really stupid in the past with my money. In short, lots of student debt, and lots of consolidation with my bank amounting to £12k which I struggled to pay back. Last year I went debt free for the first time in 10 years :) Unfortunately a new problem has now arose... I'm getting married in a couple…
So glad I'm waving goodbye to Citi
In May I phoned Citi to close my account because of all the stuff about their business being taken over by some sub-prime outfit which I want no part of. They gave me a settlement figure which I paid over the phone by debit card there and then. They said cut up the card, etc.etc. 4 weeks later the June statement arrives…
Barclaycard 4% interest rate rise is it legal?
Hello everyone,This month Barclaycard increased my Annual Purchase interest rate by 4% without any notification either on last months bill or this months bill.I did not receive seperate notification either.I made a phone call to a call centre in India and failed to understand the person who could not speak English so put…
Vanquis Visa Credit Card - Increased Credit Limit
Please can someone help me. I have a Vanquis Visa card over the past year and they have increased my limit from £500 to £2500. I am now really struggling with the huge interest fees on the card, can anyone please give me some advice on the best way to pay this off ASAP??
Which cards accept faster payments ?
I discovered a couple of weeks ago that I can pay my EGG card and Santander card via Faster Payments which lead me to wonder which other cards accept these kind of payments. I don't see why I should have to pay them up to a week early via the normal way. I know Direct Debits are usually taken on the due date by the bank,…
How do i ???
I have a Virgin credit and wish to transfer the balance of £700.00 to a 0% card .Could someone please tell me the best way to do this and with which card in a step by step way . I already have a LLoyds TSB credit card with a £000 balance would this be a good one and if so how? Thanks in advance.Nigel.
Pay off credit cards or mortgage 1st?
Hi I currently have £6200 on 2 interest free credit cards. The 1st with MBNA has £3300 currently owing on interest free until March 2011 and £3000 owing to Egg on Interest free until August 2011. I project that my balance with MBNA will be £2300 next March and £1700 with Egg in August 2011. I don't know if to reduce my…
Virgin credit card rate increase
I've had a Virgin credit card for about 2 years now, initially on 0% for 12 months and been approx 16.9% since this ended. Today I received a letter saying that from August my rate will be 24.9% for purchases and 26.9% for balance transfers!! I've never heard of such ridiculous rates outside the sub-prime market or such a…
Credit cards
I used my credit card 15 months ago and only this week it has appeared on my statement, how do I stand, do I have to pay or can I despute it.
Help!!! How do i get a credit card with poor credit history????
Hi all First of all i'm 22 years old, I have never had a credit card or a loan personally before because i have never really needed to borrow. I have defaulted on 2 payments (Unpaid phone contract £252.53, Unpaid unauthorized overdraft 900 odd quid) I have paid both of those debts off in full and as I am aware I am debt…
Looking for new credit card deal
I am not sure if there is a part of the website which shows the current best deals but I would like to know if anyone knows some good current credit card deals. I am trying to find one for my Mum who has kept with the same credit card company for years because back in the day she couldn't get one, everyone kept rejecting…
Reason for being declined??
Any advice much appreciated - I applied for a Virgin Credit Card a few months ago and was declined with no reason given. I have just applying for a Nationwide card and this too was also declined. I have recently moved to a new address and have only been working in my current job for 5 months - could these be the reasons…
IKEA store card
I have receieved a letter this morning from IKANO Financial Services advising: With effect from 1st August 2010, the concessionary APR for all purchases made on your card since 1st April 2008 will be increased to 27.5% APR variable and interest on all new purchases made on your card after 1st August 2010 will also be…
Clearing my credit cards. Help and advice please?
[FONT=&quot]Hi all, [/FONT] [FONT=&quot]Here’s the rub. I have three cards, of which two are 0% until October/November 2010. I have a NatWest card with £4000 on it, at £16.9%. Santander have just given me a CC with a limit of £2500, with 15 months 0%. This is not as much as I had hoped for, as I wanted to balance transfer…
snowball calculator
has anyone got the link to the snowballing calculator? cheers
The Cheek of Barclaycard - automated customers, but no reciprocity
I registered with Barclaycard's customer online thing, "MyBarclaycard". Have just received an email, welcoming me, and cheerfully suggesting that I go paperless, and forgo my mailed paper statements. All well and good, except that of course, having totally automated me, they have no intention of doing the same, and I can't…
Post Office Travel electron Card
Just got the Moneysavings email and noticed that the above card is recommended as the Cheapest Pre Pay card. I have to disagree completely as they charge 3% commission to top up a Sterling Card which is extortionate. I am very dissappointed in Martin for not mentioning this as this is exactly what us savvy people try to…
Nat West
Got an account review with them next week. Now I know quite a few of you are not their biggest fans :rotfl: but they've been good enough for me, to this point. We are not "pre-approved" for credit card with them (probably due to late payment markers from the wife's catalogue accounts that have appeared in my name, which…

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