-
balance transfers?!?!
Hi , i'm new to this.... I currently have a £800 over draft with HSBC, i get charged £25 a month for having this, i get charged about £17 interest a month too. I only get paid £960 a month so by the time i have paid my rent, i am straight back in my over draft and get charged, i am always going over this £800 and thus…
-
How do they calculate credit limits?
A few months ago, I applied for an MBNA credit card. I'm self-employed with a clean credit history. MBNA called to confirm a few details, but approved the application without any problems. A couple weeks ago, my husband applied for an MBNA credit card. He has a good full-time job and a clean credit history. He makes more…
-
Shop Direct Fraud
Not sure if this is the relevant section however can't seem to find anything related. I wonder if someone could give me some advice on the above. My partner and I have just tried to take out a mortgage however this has been declined due to a ‘linked address’ showing on her credit report. We have therefore signed up to…
-
Potential interest free method for any credit card
Hi I've had a look through search to see if this has already been mentioned but could not find anything. I may be wrong with this, but it might be of value to some people. And it is probably only relevant if you only use your credit card to buy the occasional item. I have a Nat West credit card and pay the balance in full…
-
Is it worth begging?
So I have a few credit card problems and have posted all the details on another thread with my SOA. I was wondering if it is worth writing to the various companies and basically begging for a reduction in rate. I would suggest to them they they cancel the cards so we cannot use them any more as well. Is this worth a go or…
-
Partner balance transfer
Looking for some agreement on the following - I have £600 on my halifax credit card and applied for a bank of scotland credit card (0% for 13 months) in order to transfer the £600 over (and receive the 0% benefit). However, I was told that as they are the same company, this wasnt possible. Therefore, can you tell me if…
-
Appealing Tesco Credit Card Decision
I was declined for the Tesco 0% credit card deal at the weekend. I had a look at my credit report and it's my own silly fault - I have just bought my first flat and rather than get out one credit card with a high limit I used the store 0% finance deals to spread the cost and consequently made 3 applications for credit…
-
AA reward points on old cards
Hi I can't find my old thread because it was a little while ago. I have finally got to speak to a human being at the rewards scheme line and this is what has happened. Because I don't have a new MNBA linked credit card, I don't get high street vouchers. I had just over 6,000 points and was told that they were worth £30 in…
-
Credit on Credit card and getting the cash
Hi, I am looking to complete a balance transfer from a promotional card to card with some debt on. However I may make a few more purchases in the future and thought, I may as well make the most of 0% deal. Am I able to transfer forexample £1500 and of that pay off the £800 debt on the card, therefore leaving the card £700…
-
Additional credit cards, do they associate the holders?
Good afternoon, thanks for reading. Does anyone know if an additional card links that person financially to the account holder? Or is it dependant on the issuer? Thanks in advance.
-
credit rating help for newbie
hi, I have recently recevied my equifax credit report and need advise on some things on there. firstly there was a bank account on there that was never used. i closed this today with Halifax. With the same bank they have added my ex partner as a finanical assosicate, this was from a previous joint account they think, which…
-
very good credit profile, but zero credit available ?
my other half has a very good credit rating but was turned down for a virgin CC by what seems like an affordability issue. She didnt really mind as she just wanted it for emergencies. Recently though she applied for a £20 a month orange phone contract which was also denied. So she signed up to Experian to check it out,…
-
Application for 0% credit card & new current account
Hi I currently have the following: - Credit score of 890 (just into the 'good' rating bracket). - A current account with no overdraft facility that has more than £1300 deposited into it each month. - A ISA with same bank (HSBC) with nothing in it. - Another current account with same bank with nothing in it. - A bank loan…
-
Transfering other peoples balances to my card?
I need to get my boyfriend a new 0% credit card to transfer his balance as he is at the end of his 0% period. However he has been refused for a new one with egg and cant apply to some because he already has has cards with them in the past. If i get accepted for a 0% card woud i be able to transfer he balance from his card…
-
Thomas cook credit card - problem over end of int free period
Will try and make this as short as possible. I took out a Thomas Cook Credit card on 29th April (sold to me by a memebr of the Thomas Cook staff) when I visited a Thomas Cook shop to book a holiday to USA. The holiday bill was placed on the card. The card came with 3 months interest free credit on purchases I was verbally…
-
bancruptcy and credit cards
I have just been discharged from my bancruptcy early and now need to start rebuilding some kind of credit. I know its not going to be easy, and the bancruptcy stays on my credit report for years, but i need to at least make an effort. i intend on using it once a month and then repaying the full ballance. But who will…
-
Nectar Amex Card
BEWARE - I received a change of conditions which I read (in spite of the fact that I rarely use the card as so few outlets take Amex). It warned me that from November 2011 there would be a "Dormancy Fee", that is if I didn't use the card for 12 months then I would be charged. I retrieved my card from its hiding place and…
-
Quick and easy question!
Just got accpeted for my first credit card yesteray.. barclays platnium.. Want to purchase something for £2200. I already have £1500 saved and was planning on splitting the payment part cash then the remaining £700 on credit card. Can i do this? As being my first credit card im not sure what my credit limit will be!
-
Can't get credit anywhere else except Barclays. Why?!
Hi guys. I am foreigner and within 2 years I will be eligible to vote, therefore I am not on the electoral roll till then. Equifax and Experian advised me to write a note for the lenders see when I apply for credit. My credit account: Barclaycard Platinum with a limit of £8.000 ( balance £3.200 ) APR 6.8%, Barclaycard…
-
Post office credit card, 5 months again and again??
Hello, I have a post office credit card which i am coming to the end of a 12 month interest free period with. When i spoke to them a couple of weeks ago they said i will receive a further 5 months interest free if i borrow more money with them but i cant do this until my october statement. Is that what this means which i…
