-
Don't understand terms of 0% interest card
Hi I'm looking to get a 0% interest card to buy a computer and pay off the balance in the period the balance is interest-free (eg 13 months in the case of Tesco). Yet, in the summary the cards all say things like: "Maximum 51 days for purchases if you pay your balance in full and on time, and have paid the previous month's…
-
prepaid card abroad
Hi, I am going away for 6 months to NZ, Oz and SE Asia and need some help RE money. I have a natwest debit card which I obviously do not want to use so Im looking into prepaid cards. I have trawled so many sites and my head is swimming with all the different options, but as far as I can make out the Fairfx Card Anywhere…
-
Advice needed re: address with bad credit.
Sorry if this is in the wrong place. I have just bought a repossessed flat and obviously the previous owner and his tenant were in REAL debt, there was a pile of post dating back 3 years and it was all Council Tax arrears, bailiff letters, debt collectors etc. Clearly this address will have a real black mark against it for…
-
Credit card - not sure of outcome! credit file searched!
Hi everyone, I applied for a credit card yesterday with tescos, they have searched my credit file as I have checked however I am unsure of the outcome, it didnt say when I applied and I have not received anything from them. I am really confused. If it didnt tell me could it be that they have not accepted me? What do I do?…
-
Pay fee or interest
Hi all, I have a credit card with £1,100 on it which is drawing to the end of it's 0% deal. But I don't know if i should get another card and Balance Transfer paying the c3% fee or just pay the extra interest (16.9% apr) does anyone know a calculation for working out what the monthly interest would be so i can calculate if…
-
Santander Zero Card
Having taken out one of these 'free balance transfer and interest for 12 months' cards about 4 months ago, i learned today on seeing my statement that they will charge me interest on all new purchases after month 3 even if i pay off the purchase amounts. in effect this means that i pay interest on all purchases for the…
-
Application advice pls!
I'm in a situation of needing to pay for a lot of goods upfront unexpectedly, but am having to put spending on my current account on hold until getting some extra income in the new year - perfect time to be using a credit card, really. But I cut mine up ages ago. It was from my main bank, didn't have a great rate of…
-
Vanquis
Hello folks, I was just looking for some advice. I recently noticed that my Vanquis card had been put up to 54% APR! Apparently I am now a Gold member (means nothing as far as I can tell) but no other explanation for the increase. I just called them and asked why it has been increased and was told 'the current economic…
-
How do credit cards work...
I've had my Barclaycard for years, but I recently used it a couple of times, but paid off shortly after the statement just came through saying I owe £45 which was for some books for uni(returning student) so I've just paid it off but it says estimated interest for next month £2.38... so now my balance is zero, will balance…
-
Barclaycard - late charges "just because"
We, like many others, are now struggling to pay minimum payments, so I phoned Barclaycard to see if they could help. They agreed to a six month reduced payment scheme (from £250 to £100 per month), with "No charges and the interest frozen". I got my first statement since then yesterday, to find a £12 late charge and…
-
I'd appreciate some advice please?
Hi all, I have been balance transferring for about 3 years now. I'm now down to the final 3k and all being well the next balance transfer will be the last. In order to have the whole balance on 0% cards I've had to have 2 cards at a time. So in the past 3 years the cards I've had have been Virgin, Egg, MBNA, Barclaycard,…
-
Capital One - Late Payment not my fault!
Hi All I'd like some advice please.... I recently took out a Capital One Visa card to help rebuild my credit rating as I've had some problems in the past. In the first month I used £280 of the £300 credit limit as I was moving house and the plan was to pay it off in the next 2 months in full at the 0% interest rate offered…
-
Avoid Barclaycard... £10000 stolen from my barclaycard
well guys what can i say... i clear credit card every month and limit is 10k wife went to use card today for £35 and declined i went online to see pending transactions of £9985.00... and the card number was different.. i contacted barclaycard india of course to find out someone stopped my card, done a change of address ,…
-
Tescos Credit Card application - HELP
Evening all Well I applied today for a tescos credit card working on the basis of money supermarket recommending it on my credit score being good (strange as experian says its fair) anyway I completed the application form, and at the end it said close window after I had pressed submit, well it didnt give me an answer, let…
-
Marbles order of payments changed
Hi All, Normally whern you pay off credit cards the lowest interest part is paid off first, and the highest last. However, I have just received a notice from Marbles that has now changed the order! Quote from the letter: "instead of paying off transactions on your statement starting with the lowest rate first, any payments…
-
best holiday card to use in South Africa
which credit card did you mention for holiday in south africa ,free atm withdrawels, free purchases .only monthly charge of £5. I cannot find it in your previous emails. Would you recommend it for worlwide travel? Which bank card should I use. Thank you for your excellent advise. Annamaria:money:
-
Change in interest rate
Hi, I've just been advised by MNBA that the interest rate on my credit card has been increased from 18.9% to 27.9%. They say they wrote to me but I never received any letter from them. Problem is that now the minimum repayments have gone up by £40 a month. The lady I spoke to tonight said that because I hadn't responded to…
-
tesco credit card - car insurance
hi guys quick question from me i am getting a credit card from tesco, 0% on purchases for 13 months. I am looking to use this to pay for my years car insurance in 1 annual amount. My question is just...does buying insurance count as a "purchase" or is it only when you buy something like in a shop? basically will i be…
-
Credit card declined :(
Hi guys, I just tried for my first credit card and got decline :( Feeling abit annoyed and confused right now. It was with Tesco. I got a credit of 410 with equifax ('Good' apparently) I am 21, full time job, lived with parents at current address for 11 years (on the electoral roll for 3 years) I get £950 a month after…
-
What defines how long BACS takes?
Hi When you send a BACS payment to - say Nationwide CC and you are told it will take 3-4 working days --- Which side is it that is the decider of whether it turns out to be 3 or 4 , the sending bank or the receiving? Would the sending bank be able to tell when the receiving end got the money ? Hope the receiver end wouldnt…
