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Got 0% for 6 months
Yipppppeeeeee :j:j (thanks to Barclaycard, 2.5% handling fee letter that came through the post this am). But actually I know it isn't very much and not sure how much I should move. HSBC 1651 of 2500 @16.9%. Pay £150/m Barclaycard 957 of 3000 @14.9% Pay minimum PO 2255 of 2600 @16.9% (abt 1000 at 0% for 2/3 more months).…
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How many credit cards?
Hi all This is just a general question relating to loads of different areas on this forum but I am just interested.... I have been looking on here for a little while and visited quite a lot of the different areas on here and the thing that interests me is how some people have several different credit cards and then loans…
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Balance Transfer
Hi everyone just a quick question i have got a barkley card and have 12months interest free balance transfers until july 2011 they need to be done by June 30th i wondered say for example my Halifax card i transfer the balance but i want to pay other things with this card can i transfer the balance of the same card twice i…
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Capital one default
Hi, not been on here for a while so my apologies if this is in the wrong place. I have just noticed that Cap one has issued a default on my Credit File on the 6th April 2009. When I asked why they state that it is because I am on a long term payment plan. I have not had any default notice from them, they state that in…
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Is this vanquis site/service legit ?
Hi is this vanquis online payment service for real :eek: I didnt think they offered online payments https://www.payvanquis.co.uk/
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Full and final settlement
Can anyone help, had a credit card with two cards - one for my (then) wife and one for myself - I moved out 17 months ago - but never done anything about the card as I had not used it since moving out and had thought everything was OK as I had not heard anything from them since, but now from out the blue I received a phone…
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Is my credit rating totally shot?
Since I lost my job I have had to use CCs to pay for food, petrol etc so I owe a lot now. I have no intention of avoiding paying these bills, I know I have run up the debt and I need to pay. In a desperate attempt to pay everything off I am selling my house so after that I shall have paid off the morgage, ccs, overdraught,…
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Trying to understand balance transfers
I have read through all the great guides on here about credit cards, balance transfers, card shuffling etc and have a question that I can't answer myself? I have got a Virgin card with 5000 debt on it I have got a Lloyds TSB card with 883 debt on it The Virgin card monthly payment for this month is 103 and the interest…
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Balance Transfer then Balance Transfer back
Hi Does anybody know if it is possible for me to BT from my Barclaycard to my new MBNA rate for life card then once that has completed BT back to my Barclaycard taking advantage of the 0% BT offer they have just sent me. Then after that BT from my girlfriends Barclaycard to my MBNA card??? Any advice on this would be…
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virgin CC declined - I need to rant!
dear all, I apologise in advance for this rant about my virgin CC application being declined, but it's quite ridiculous. With a maxed out RBS credit card (about £1200) and an HBOS overdraft (of about £1000) I was looking for a great balance transfer for the CC, but also one that could handle cash transfers for the OD -…
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A question on behalf of my mum... please help!
Ok... so my mum took early retirement and received a lump-sum payment and gets a monthly payment of just under £500 too. But she isn't strictly retired as she went into partnership with a local brokerage firm and is now a co-director. Thing is, her salary is commission-based and as yet not producing a monthly 'salary'. She…
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Barclaycard BT question
Barclaycard have put a promo 0% offer on my account. My online account transfer screen shows...'maximum amount you can transfer - £9000'. (I have a £10,000 credit limit.) Letter just received telling me of the same offer, says under 'Transfer Amounts', 'You can transfer any amount provided it doesn't add up to more than…
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Damaged Credit Record
I recently applied for and was refuse a credit card. I was refused due to a low credit score. On investigation I found my credit score, despite being impeccable in paying credit cards, mortgage etc for years was very poor. I then discovered a default on my credit report. It turned out that a member of my family living in…
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MINT blance £4,000, no spend in 6 years, £2,667 pa min payment. Is this right?
The title is the question I suppose. Seems a crazy amount and the balance is still £4,000. £2,667 per year doesn't bring it down a jot. What does anoy me is that the minimum payment is usually £134, so I pat £134. Then two weeks later I get a letter saying that I am over the credit limei (£12 default fee) and that I need…
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Barclaycard - strange letter clearly not for me!
This morning I got a letter which was addressed as follows: Sales Test 7 ...street ...town ...postcode I live at number 7 of this street. I opened it thinking it was some kind of junk mail. But it was a bill from Barclaycard for £150 for opening an account. Then it went on to list an account number I do not recognise…
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How to get a large balance on credit card and then remove it?
At some point in the next few months I will need to build up a large balance on my credit card (in region of £6k to £10k) and then reduce this to zero a few days afterwards. However I don't want to have to spend several thousand pounds on something I don't need so am trying to think of the most efficient way of achieving…
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No way out....
Hi, long time I was last on here.... Anyway, how things can change. I currently owe: £500 on EGG card (£3,000 limit), £30 min per month £1,770 on a RBS MASTERCARD (£3,900 limit) , £39 min payment (£23 interest) £2,750 on a MINT VISA (£6,900 limit) (£60 min payment) £1,160 on a CitiBANK VISA (£1,750 limit) (£26 a month, but…
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Credit Card Help!
Hi My credit rating is rather poor having missed a few payments on a direct debit I set up so having a few problems trying to obtain a credit card. I know already that I wouldn't be able to get a virgin/bt card etc so I'm going to try the classic capital one card. However I was wondering if someone could help if i use…
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MBNA rate hike..don't want my business?
Average outstanding balance on my MBNA card has perhaps been around £2k in the last 6 months or so. We've been buying some new stuff for our house, building works etc so I've not been able to clear it every month, but I do pay of around £2-400 per month. My interest rate is 10.9% but yesterday I received a letter stating…
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lloyds duo airmiles
I took out a lloyds duo airmiles creditcard (mastercard) and got 1500 free airmiles. Unfortunatley they are virtually unusable due to all the restriction relating to the free airmiles. beware!:(
