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Santander Credit Card
When you buy something on a credit card you used to get 30 days free insurance against loss, accidental damage or theft of that item. Unfortunately can’t find the terms and conditions for my Santander Credit Card but if my memory severs me correctly they stopped that insurance. Can anyone confirm whether your purchase is…
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foreign currency withdrawal
It looks like Sainsbury Gold Credit Card is offering free cash withdrawal in UK or overseas - can this be true?
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New cards offer. How often can you apply for them?
Say if I currently have an AMEX cashback card from a while ago, would i be able to apply for a new cashback card to take advantage of the 5% cashback intro rate? Or do I need to cancel my current card and reapply a new one after a certain period of time? Same question goes to those 0% card. Thank you in advance.
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Mbna the best
Despite of what some posters say if you are a good customer they really look after you. My latest offers My AccountsMy Profile My MessagesHelp Log Off .details of your American Express Card with . Promotions .. 0.0% until 27 October 2011 on all balance transfers completed before 30 November 2010A transfer handling fee will…
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Egg/Egg money
Hey all If I have recently closed a standard Egg CC does this mean I need to wait 6 months before I can apply for an Egg Money CC? Thanks x
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MBNA Retail Rewards Visa 45.00 Cashback Via CBK
Posting this for the benefit of those who enjoy apparent huge Credit Card Application Incentives. :) http://www.cashbackkings.com/mbna-retail-rewards-visa/bargains/m7884/
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Vanquis cash advance charges
Apologies if this has already been answered, I did do a search and did not find anything. I have a Vanquis card, £250 credit limit which I have used, firstly I used £10 to place a bet on Bet365. Vanquis have told me that this is classed as a "cash transaction" and so I will be charged XX% interest on this. The next bit is…
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Halifax Easyrate - success
So, after umm-ing and aah-ing for a couple of weeks I decided today was the day to apply for a new credit card to transfer a balance. My aim was to get at least £5K so I could transfer that amount of my Abbey card and then close that card I was thinking about a tesco card as that has 13 months at 0%, then for the first…
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HSBC being unreasonable, I think
Right, HSBC credit card - limit 4.5k - interest rate started at 15.9% apr. Interest rate went up twice ending up at 21.9%. At no time was I informed of these changes. In December last year, I called them to complain, as I had just printed off my latest statement. because I was wondering why my balance wasn't reducing as I…
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signed credit agreements -do you need one?
hi i do not have a signed credit agreement for one of my credit cards. this has not been an issue up til now, my payments are up to date, but the lender has raised my interest rate substantially for no reason other than they can. they have told me they do not have to provide a copy of my signed credit agreement under reg 3…
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Late payment = missed payment?
Hi all, I paid my visa bill one day late a few months ago (I thought online payments were instant but turns out they're not!), and got a charge on my next bill. Sorry if this is a dim question, but is this the same as a default/totally missed payment in credit score terms? Thank you!:)
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Student balance transfers/ no income
Hi, I'm a mature student (42) with a good credit history. I would like to transfer a c/c balance from virgin to a 0% deal - but you seem to need an income? Are there c/c providers who do not need an income, but offer 0% deals? Also how do I find out the amount per month I will need to repay each month ( would like to…
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Paying off card which filed adverse on report
I have recently been accepted for a Barclaycard, with 0% for 13mths. I want to use this to transfer a £800 odd debt over from my Lloyds TSB, which has reached the end of its 0% offer. As Barclays have been generous with their limit, I can also transfer the balance of another card, on which I owe about £400. Now, my…
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Advise please
Hi Ive been on a dept management programe for a number of years now and slowely getting my life back on track, i owe a credit card company and have never missed a payment to them since starting the programe 5 years ago, all was fine when i noticed they had started to add interest charges after a few years. I phoned and…
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quick question
Hi everyone just applied for silver credit card sygma bank and what they said is they will give me decision in 7 days time. so what does it mean and whats the chance of me being accepted. than q
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More likely to be accepted if bank sent application?
Am I at all more likely to be accepted for a credit cart if my bank sent out the application to me? Or do they send them regardless of you credit rating? My bank is Halifax by the way.
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The Not So Nice People at Egg
What happened to customer service? I used to like the nice people at Egg, you could talk to them. I have had a card with Egg for many, many years, for the cashback, and also their great customer service. How times change! I came back from holiday and noticed my card was nearly up to it's limit, so I made a large payment…
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Saga Platinum Credit Card
Dont waste your time applying if you already have a credit card, they wont issue you with one of theirs. If they keep this up they will be lucky to have a any customers. Both myself and my husband were refused one of their cards, despite the truth that we both have excellent credit ratings, and have never missed payments.…
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Poor Credit Rating because of no Credit History
I'm hoping that I can get advice regarding this problem... For years I have lived without using Credit Cards or getting any type of loan. I earn over £1300 every month and my husband and I pay our bills without getting in to debt by using the money that we have and nothing else. We are looking in to getting a mortgage and…
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New Spam Button
We've now put the button for reporting spam on every post - rather than just threads. To feedback on it please do it here https://forums.moneysavingexpert.com/discussion/comment/36495193#Comment_36495193 Rather than in this post
