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How do you contact the site admin when you find some info that needs updating?
The section on prepaid travel cards lists the cash withdrawal fee for FairFX prepaid travel cards as €1.50/$2. However, it is actually 1.5% of the amount of the withdrawal. This is changing to £1 plus 1.4% with effect from 1st March 2011. It's still a good card, and you get a good exchange rate, but the charges need…
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Question about minimum payments
I have just changed from a Virgin credit card to a Post office card as my 0% balance transfer offer had ended. I have both cards set to the minimum payment amount, the new Post Office card has the minimum payment as almost twice a much as the Virgin card has been - both balances are the same so wondering why the Post…
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Capital One
Hi there I got what I thought was approved yesterday for the Classic Card, but when I phoned today to check they said they were still processing my application? Am confused please help tiger
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Impact on credit file
Hello. I have just been lucky enough to transfer off a negative equity mortgage. The mortgage was topped up with a loan both with northern rock. I wondered how this will appear on my credit file. Regards,
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Poor Credit Rating: Loan or Payment Plan
Hi Was wondering if I can get some advice, Ive been overloaded with information on the web and I don't want to do something silly. Currently I have : £2800 - credit card, 19% apr nationwide £2850 - credit card 25% apr capital one, both limits are £3000 each £1200 overdraft ( i am currently paying off £50 a month on this)…
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min payment
hi all, i have a credit card which has been maxed for a while , so i set up a direct debit which pays min payment every month, i have not been looking at statements for a while as it just depresses me. thinking all was in hand due to direct debit i was on the phone to the c card company, apparently my min payment hasnt…
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If banks don't like you to pay in full.......
....then should I not do it? At present I pay off my credit card in full every month. But i have read that this is not necessarily a good thing as banks/credit card companies will see that they won't make money from you. Therefore is it better not to pay in full every month? I am thinking that maybe in future I should pay…
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Stolen card details?!
Hello there, just wondering if anyone else has had their cards stopped in the past few days by the banks? I've had 3 now, by two different banks. I know I've not been silly with my card details, indeed I don't even think I've ever used one of the cards in question! Both banks have hinted (but not admitted) to a range of…
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Equifax credit file & £17 cashback problem. HELP!
Apologies if this is in the wrong forum. I've visited Equifax for my free credit file, as suggested by Martin in his latest email, using topcashback to get the £17. All forms completed but I received an email from them claiming the order couldn't be completed, and to call customer care (at 5p a minute). I did have some…
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CC payment plan or new CC 0% Balance transfer?
Hi everyone, Im trying to figure out the best way to go with my CC debt. After fighting and fighting I got HSBC to freeze my charges and interest on my £2000 debt at 25% APR agreeing to accept £1 per month after I lost my job. I now have a job but still have very little to pay them at the end of the month. Amazingly I got…
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Advice on HSBC Credit Card please!
I've been a member of MSE for some time now however, my circumstances changed back at the start of 2009 when I moved overseas with my husband. Since then, I have not been in full time employment (our choice) and so my OH has been funding my debt repayments which are still standing back in the UK. One of these is a HSBC…
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Interest on cash advances
Hi guys, I've got my first credit card, and I'm still working out how they work, so I'd like some advice. I accidentally got out a cash advance last month (took the wrong card out of my wallet :( ). I knew it would be accruing interest daily so I paid the entire balance off before the month ended. I just got my statement…
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seen a holiday for £0, what will happen if i pay on card
seen a holiday and i know it was a misprice has its £0. but what will happen if i book it on a credit card, can they take the money automatic once they know its wrong price or make me pay full price
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Opus Intrest Rate Help on balance transfers 0%?
I transferred a balance in Oct 10 and got a decent rate of 5% with Citicards I have now received my Opus card and my balance has now been moved over to the new card. Transferred 4k. I just cant work out what my interest rate is. On the statement I received in the post it says. Dec Statement Typical APR Monthly Rate N/A…
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whats the best credit card for a fair/average
credit rating. been knocked back by virgin today. need it for 0% to do a balance transfer. dont want to keep getting knocked back as it would effect credit rating further. thanks in advance.
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Credit Card Newbie - Need for business expenses but no clue where to start?
Hi guys, Right I'm going to be one of those incredibly annoying people that say 'help I don't know what I'm doing' sorts :o Basically, I started a new job at the start of the year (YAY) and I'm incurring far more expenses than previously. It's all covered by work but the expenses are paid monthly, so if I have a hotel room…
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Unemployed but need credit asap
Hi. My name is Richard im 25 and have recently goten myself into a bit of trouble with loan companys. I have maxed out my wonga acount and owe nearly £600 to them and i also owe the provident 350 and various other loans of friends and family. I am unemployed and basicaly have no way of paying off these debts in time. I was…
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0% on purchases credit cards
Hi everyone, Please can someone tell me if i have had a particular 0% on new spending credit card before and then cancelled that card after the 0% offer had finished but now make a new application for that same card will i be accepted? and get the introductory offer again? Kind Regrds Turrell
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MSE News: When a credit card is cheaper than a loan
This is the discussion thread for the following MSE News Story: "Anyone borrowing less than £2,000, in particular, will pay lower interest on the top plastic than on the top loan ..." Read the full story: When a credit card is cheaper than a loan
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new government ruling on credit card debts
Hi, I was just in the processing of updating my snowball, try to do it weekly to keep me on track. Will my snowball and debt free day be effected by the new ruling that the repayments should clear the HIGHEST interest rate debt first. I am querying this because my debt is with Barclaycard and they have started this…
