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Halifax One has just increased my APR to 29.95%
I have had a Halifax One Card for a few years that we intended to only use for emergencies. As we very rarely use it we have stupidly paid little attention to it, we file the letters that come and we pay what we can (always more than the minimum payment) each month on time. However the balance of the card has crept up over…
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who provides nationwide credit card?
want to do a balance transfer from a nationwide card , i already have a virgin mbna one which will be paid off by april. but need to know who provides the nationwide one so i do not apply to the same company
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Money maximisation/credit card debt.
Hi, I need some advice, I have been putting in the overtime at work like no-ones business and at the end of this month (Sep) I should have between 3K and 4K which I am going to plough into getting shut of my debt on credit cards. My situation is; Barclaycard - Bal £3800 APR 27.90% MBNA - Bal £2200 APR 24.69% HSBC - Bal…
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If I die!
I live abroad most of the year, I do not have a home in the UK, I use my brothers address for my credit card. My brother is getting excited because I have a small balance (2,000) on my credit card and he has told me if I should die he/his home will be liable for the debt - is this true
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Who pays after death?
A close relative of mine has just lost her husband, who owed over £30k on numerous credit cards. He had an agreement to pay off the debts but was paying such a small amount the debts would never be cleared in his life time. She is now unsure whether she would be expected to continue to make these payments, she was not…
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Balance transfers
hi,two of my credit cards are abot to satart accrueing PAR as they are about to come out their interest free period I have never been declined credit and applied for a balance transfer with Nat west and got declined and then RBS and got declined Does anyone have any idea what i can do they bot have said that there is no…
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Amazon card
I have a Bank of America Amazon card and they have offered me 0% balance transfer till 19th May 2011 at 3% transfer fee or cash into my bank at 0% till 19th May 2011 at 4% transfer fee. I owe nothing on any of my credit cards but am currently buying a new house and a new car and could do with £7500 into my bank account to…
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Can you help please
Hi i`m looking for a bit of advice please, i`m being made redundant on the 1st of october, i`ve been working between the office and my home since i had my first child 9 years ago(i`ve worked for my employer for over 20 years) and as i dont have anyone to look after my kids when they`re off school (which is alot) i want to…
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CCJ Confusion - How long if unsettled?
I've been telling my colleague in work - who has an unsettled CCJ from 2004, that this will fall off her credit file at some point next year. She refused to pay in court after losing a battle and to this day has not paid a penny of the £600+ balance. Anyway I thought I was doing the right thing offering her advice I had…
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mbna want to switch
hi just wanted to know which credit cards i could switch my balance of £800 with mbna to? was reading that mbna dont let you switch to certain ones. my 0% apr deal was up last month thanks
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Want £1800 for a new computer
My Situation: I'm currently working at a library for a placement which ends in November, I earn £700 a month, pay out £150 to my mum for rent. I'm not very good at saving, and want the 27inch iMac for getting back into web design and graphic design which I have a degree in in time for when I finish this placement to apply…
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Barclaycard call centre
Just a quicky, do they still have anybody left in the UK? I remember I have occasionally been able to speak to an English person who actually don't just read things out of the screen. Totally feed up with the Indian call centres, some Indian call centres of some companies are actually OK, but Barclaycard? A big fact NO. By…
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Barclaycard Additional Cardholder Question
My wife has a Barclaycard and a few days she applied to add me as an additional cardholder via mybarclaycard, it said the application would be reviewed within 3 days but the additional cardholder would NOT be credit checked but they must be a family member and live at the same address as the cardholder. Now today (3 days…
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MBNA reducing credit limits
They reduced my credit limit from £18,500 to £1,000. My account was in order, and i've been their customer for 5+ years. Last year MBNA offered me 10 months at 0% on purchases over £250. I took their kind offer and used it to make purchases of £17k. This was money i would have spent anyway, and wasn't a moment of madness.…
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Prepay cards to close - On-X, Ryanair, Ycash and more
I have just received a letter ( two weeks after getting my prepay card and paying for it ! ) from Newcastle Building Society that they are going to close ALL ACCOUNTS that are offered through the company M-Cube Media. These include: Ycash Demelza Aspinalls Ryanair Sterling and Euro On-X Jade Massive R & B Ministry of…
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Balance Transfers Whilst Out Of Work
Hello all, I am currently out of work thanks to the recession and need to reduce my monthly outgoings. I want to transfer my credit card balances to gain the 0% deals but cannot seem to find any companies that are willing to let me do this due to my work status. Any suggestions??? HELP!
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Annual Fee?
Have just been having a look through the way my payments are allocated on my Barclaycard and came across a section that I have never seen before: Fees Annual Fee £275 :mad: What is this? Im am positive that this wasnt there when I took out the card in January 2010 as I only took it out for a balance transfer and I don't…
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Amazon Mastercard
Just got rejected for the Amazon Mastercard (boo!), owned by Bank of America. I already have a Play.com card, they're MBNA. Bank of America and MBNA are the same, right? Anyone know if it would be worth me ringing up and asking to transfer some of the credit limit from the Play card to the Amazon card if they would let me…
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Transferring Credit Card Balances Between Users
Hi, Firstly I've done a bit of reading on this topic and seem to be getting mixed answers! Basically my girlfriend has around £6k on two credit cards, with minimum payments around £250/month for both, which is just servicing the interest. We've recently had a baby and now payng extortionate nursery fees therefore this debt…
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Old Credit Cards on Credit Rating Files
Hi everyone my name is Lauren and I am new to these forums, I have read all the relevant info on the website but now I have actually signed up to look at my account (on equifax) I am a bit confused. 1) I have an old Santander Credit Card which was last used and settled in 2007. I am sure that I cancelled the account. It is…
