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Interest free c/c juggling advice
I have 2 cc with balances. One (virgin) is interest free til April. The other (tesco) is charging interest. Do u think I should try and get an interest free cc to move the tesco balance to? Or try and leave it til the other one expires and get 1 for both balances? My worry is if I get one now I won't get another in April?…
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Transfer Debt
hi there, I was wondering if anyone knows whether you can transfer your debt, as in Credit Cards, Bank Loans, Shop Cards etc into someone elses' name, if the other person is willing and in agreement? Thanks!!!
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Tescos misleading Credit CArds
The 0% on purchase card is NOT available to existing customers. This is not on thewebsite and was unknown to a member of staff. If an existing customer applies you get an auto decline-Beware!!!
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Best way to change card?
Right... first post so be gentle, About 7 months ago i took an offer on Quidco for a Capital One credit card. I was planning on just using until the cashback came through but then decided it would be good to start building some good credit history. Ive had it for about 8 months and have paid the balance off in full every…
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Halifax Clarity - Rejected
I have tried to apply for a Halifax Clarity CC and have been rejected several times. I have a good, permanent job that pays well. There are no issues on any of my credit files and as far as I can tell Halifax have not even done a credit check. I am on the electoral roll. I am a homeowner. I am also a Halifax customer (I…
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Transferring balance, then back again?
Hi All, I’ve got a quick question about balance transfers that I was hoping somebody could help me with… I’ve got two credit cards – I’ll call them Card A and Card B. Card A has £0 on it, and Card B has around £2,000 on it. Both cards have credit limits well above £2,000. The 0% interest rate on Card B has recently run…
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Charging a balance transfer fee for refunding the credit balance on a credit card?
A couple of times in the past, my bank has transferred what extra money I have on my credit card (in credit) to my current account free of charge (they said if the money came from refunds or an overpayment it was fine to do free of charge). The credit card is with the same bank as my current account. But today, I have a…
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Best Thing To Do About Credit Cards?
Hi, I am 4k in debt and i manage to get this down to £2k by the end of the year but keeps going back up each year i need my car and essential things. I want to clear off this debt asap i can barley afford minimum payments i was thinking of a IVA wud that be too extreme for only £4k i could do a trust deed as in Scotland…
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Counterproductive security
I have accounts all over the place to get the best deals but because of the ridiculous rules banks are now imposing on the passwords, passcodes, memorable words, usernames, special characters, numbers, capitalization, minimum length, favourite pets, historical figure, colour, fictional character and mothers maiden name…
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I'm an 18 year old student who wants to build a credit rating! (working part time)
I'm in my final year of sixth form and thought that building a credit rating now would help me when it comes to getting a good sized overdraft when I go to Uni. I'm working part time alongside my studies and am wondering what option would be best for me? I would only ever use the card to purchase little things which I…
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MBNA increase my interest rate to 29.9% !!
I have just been off the phone after asking them why a purchase of £3 was declined a they said it is the merchant anyway the lady asked if I have received my letter from them informing me of an interest rate increasing to 29.9%. I asked her a number of times and she said 29.9%.. Can they do this that's a whopping £200 a…
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capital one
does anyone have info on using these to build credit, a classic card? just got one for purchases to build credit as dont have any really and wondering is the best way a direct debit? and will this ensure it gets paid in full each month? any purchases i make i just want to pay off in full each month, how do i organise this…
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appealing credit card..
i can't find the thread anywhere where you write to your bank if been declined credit card...anyone point me in the right place? regards
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Santander Credit Card: Missing Payment!!
Hi Everyone I wonder if anyone could offer me some advise..... I received my Santander credit card statement today and I have been charged a missed payment fee and my last payment is not showing. I sent a cheque (like I have been doing for the last 12 months) of £250, it was cashed on 20th September (my 'pay by' date was…
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Missed Payment - daily calls from Santander
Hi, I have read some really good advice on here in the past, but can't find what I'm looking for today. A work colleague has a Santander credit card. It's well managed, with no problems for six years, until last week, when they called him at home to say that he had missed a payment. He recalls writing his cheque and…
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Post Office Credit Card - Bank Cash Transfer
Hi There My friend forgot the pin for his post office credit card - as he was going on holiday i let him take mine as he needed it to book the acomodation. On his return we were going to do a balance transfer to my card to clear it off (mines with HSBC). Post office wont do it as the card is in a different name. The only…
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Can I get a new CC with my B'card blocked?
I tried to order from Amazon, only to discover that my Barclaycard had been blocked. Phoned B'card and was told that someone had tried to do a "balance transfer" from my account, twice by phone, but failed the security check. So they blocked my card and tried to phone me (No they didn't - I have two phones and neither…
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Credit Report - Equifax
Got a bit of dumb question which maybe someone can answer..am more curious than anything else. Have been looking at my Equifax credit report and there are 2 cards on there - one with a limit of £3400 and another £3000, now - I paid these off in 2007 but didn't close the cards. Shortly after though, the limits on them were…
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Barclaycard balance transfer question?
I have just received a balance transfer offer from my credit card for 0% for 12 months if i transfer a balance from another card or transfer a balance to my current account. The only snag is that i currently have a balance of about £1800 on the card. The offer expires on the 31st October so my question is, if i was to…
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credit history ruined???
I got a letter today from Capital One - RE:notice of sums in arrears saying I have missed the last two payments to my capital one card. Strange, I thought, as I cleared the card in May in my effort to become debt free. I phoned Capital One and got straight through to the collections team who insisted I make a payment there…
