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What do you think to my idea?
Hi all, I think I have a cunning plan! Your thoughts please. I owe approx £1300 on my current Sainsburys credit card which is comming to the end of its interest free period. So I am looking at changeing it, and payeing the least amount on the balance transfer! So I am considering getting the Barclays card, which allows me…
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Santander Zero Credit Card
Hello I applied for a Credit card twice this weekend (Barclays and Virgin) and twice I have been rejected- the idea was to start stoozing and also may be build up my credit rate (never borrowed so an almost non-existant history), as I might be thinking of buying the house I live in within the next couple of years. I am…
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chargers on my house
I had a credit card Barclays nearly £5000 debt with insurance now it is £7000 with interest and the new debt company has placed a charge on my house I have a depression and the local debt help are useless, I'm selling my house , can I get this charge removed. I'm ignorant any help from Mr Lewis Appreciated
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How many Barclaycards
Hi, I have a standard Barclaycard Visa at the moment, but would like one of their platinum Barclaycards. I ran through the application checker on their site and got 80-90% chance I would be approved. Can I have two barclaycards or must one be a charity or non 'barclaycard' branded one?
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Credit Cards: should I close unused ones?
I'm sure this must have been asked and answered before, but just wondering what you all think about this one? I currently have no debt problems and a decent-ish income, a mortgage and no loans, HP on one of our cars. I have 5 credit cards, (no store cards ) two of which are completely paid up and I haven't used them in…
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why cant i get accepted for a credit card?
hi there im trying to find out if anyone would know a reason for me not getting accepted for a credit card. i'm 20 years old in a job with a salary over 22K. I'm not in debt and never have been. im soon to be going on a cruise and tried to apply for a post office credit card to take advantage of the benefits which come…
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Getting credit card interest reduction on outstanding balances
Rang up HSBC a few weeks back to see if I could reduce the impact of the the exhorbitant interest I was incurring on my card. It felt that whilst I met my minimum payments every month, the compounded interest on the outstanding balance meant that while I took ten steps forward I took nine back. Their response was that…
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Applied twice - accepted first, rejected 10 mins later, help?
Hi all, I have a question about applying for credit cards. BAsically the situation is this. My partner applied for a Tesco credit card in her name and was accpeted but she forgot to press confirm on the last page and so it didn't go through. Then she was going to work so I decided to apply in my name just to see what would…
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Saga platinum card
Anyone with a SAGA card... ........ what is typical opening credit limit ? ........ they say increase in 6 months ....what is normal increase ? Thanks
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Credit cards with reward schemes
Hi, I currently have a Tesco CC and use it for all spending purely to boost my Tesco Clubcard points. I never seem to use the clubcard vouchers as anything other than cash vouchers in store as there aren't really any deals that take my fancy. Is there a list of other Cards that have a reward scheme as I'm tempted to change…
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Sainsburys 0% on purchases..
Successfully applied for this card with the hope of using it to purchase a new kitchen. On reading the small print on the credit agreement before sending it off to recieve the card I read the following in relation to the 0% purchase offer. "You will recieve 0% interest for the first 12 months from account openning on all…
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Tesco Culbcard Credit Card vs TSB Airmiles Duo
Hello! I am presently holding TSB Airmiles Duo credit card which gives me Airmiles. Now Tesco has come out with Clubcard Credit card which gives clubcard points for purchases outside Tesco store which can be used for echanging to Airmiles. Does anyone know which card will give more Airmiles? Using Tesco card or TSB…
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Quesion about Barclaycard cash spending - high APR
Hi. Before I managed to get a job and started my debt free plan, I'm afraid I drew out cash on my Barclaycard. I've realised that this is a massive APR of 27.9% I can't find the terms and conditions to see which will be paid off first, the payments made with the card or the cash. Obviously I would want to pay off the cash…
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Help for contacting Northern Rock
Hi, hoping someone can help. My mum has had her credit cards stolen, I've managed to find the contact details for all of her card providers except Northern Rock, can't find anything on their website or on the net. Does anybody know how I can contact them to notify them that the cards have been stolen. Hoping someone can…
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Credit card write to inform of decision
Hi all, (you probably get asked this a lot, i did use the search function first but didn't turn up anything too comparative) My 0% deal is running out so i applied for the mbma 16month 0% card this morning, they have advised me that they will be writing to inform me of their decision within 7-10 days. In the past i seem to…
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Credit Card Debt shuffle - any suggestions?
So here's my situation. I've run a up a bit of debt recently and i now want to get it all nailed down and under control. I was thinking of getting it all on 1 life of balance credit card at a low rate (MBNA - I already have a barclaycard and halifax card which are the 2 best buys and not sure i can clear in 3 years). I…
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House of fraser card - no longer use vouchers to pay bill?
Hi, I was looking on my companys incentice site today and I can buy House of Fraser vouchers at 10% off face value, however it says that from 12/10/10 you can no longer use vouchers to pay your credit card bill. Anyone else heard this? I think this is out of order on the basis that if someone is given vouchers for HOF then…
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Help for a newbie please
Hi, I have £2400 owing on a barclaycard -apr 19.9% I have now applied and recieved a card from the Post office and one from Saga . The post office is a balance transfer rate of 0% for 12 months and then 16.9%. They have given me a limit of £2600 so would be able to transfer all on to that card . The Saga card has a 0% for…
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Balance Transfer
Hi, looking for some advice I have just applied for BOS credit card to do two balance transfers, no instant decision was made and thay advised i would hear in 10 days time I have just viewed my credit report on line and i have two missed payments from tesco.This was a mistake in their part and they advised me that they…
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super balance transfer
Hello, Can anyone confirm that I can transfer a credit card debt as well as a overdraft debt to a new card with 0% interest for a set period of time with a super balance transfer, or is it just one or the other?
