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Egg Card
Hi I have an egg card, if I pay the balance in full each month do I still have to pay interest? Many Thanks
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MBNA Balance Transfer
I've just been accepted for an MBNA 16 month balance transfer card, when I applied I only transferred part of my balance from my old card as I'd mis-read the statement. Does anyone know if I'm able to transfer another balance from my existing card whilst retaining the 16 month 0% offer?
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IS 'Repayment Option Plan' SAME AS 'PPI'?
hi all, i have something called 'Repayment Option Plan' on my credit card statement which, to be perfectly honest, i havent paid too much attention to till recently. when i first got my credit card the amount i was paying for this thing was something like £1.50. it barely registered with me. at the time i was trying to…
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santander December statement
I have just received my santander credit card statement, their call centre tells me it's a duplicate as the original ' wasn't printed '. I asked them to put that in writing, the operator said most of his calls this morning had been about this and he wasn't authorised do that. I must ring mon to fri and speak to their…
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Pre paid credit card for travel in Thailand - advice please.
Daughter off to Thailand for 4 weeks. Can anyone recommend a pre-paid card for use in this part of the world. Or other way of carrying money around. Thanks in advance, Bob
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Getting credit card for travel
Hi, I have never wanted a credit card and do not want one for borrowing money, however think the time has come to get one for large payments, and booking holidays; flights etc and other expenses for the security/insurance aspect. I don't know where to start! Anyone got any advice for me? (I am currently a full time student…
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Barclaycard PROBLEM?????
hi , any advise needed here i recently applied to reclaim charges from barclaycard.... sent the letters i needed to from this site , got the charges letter back , with a partial offer of 797.22p , this was a PARTIAL payment offer and i was actually owed more , so i declined the offer and asked for FULL and the 8% interest…
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Is It Bad To Cancel Credit Cards
Hi, I'm confused, please could someone advise. Over the past few years I've been juggling balances on my credit cards by transferring the debt onto cards that offer 0% over a certain period. However when I've left one card for another I have not cancelled that card. I've again just done what is hopefully my last balance…
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will this stop me getting credit?
got a late payment charge from tesco cc as i paid 2 days before my statement date so instead of one payment in october and one in november it was classed as two in october and none in november. The charge was refunded but there is an entry in my equifax file. I contacted tesco and they said they could only change it if it…
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HSBC credit card questions
After 6 months of being an HSBC bank account customer I have just been accepted for the HSBC credit card and have some questions about it for other HSBC credit card holders. What does the 3 month 0% purchase introductory offer means? Is it that anything I purchase within the first three months will be at 0% for as long as…
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Newbie question
Hi guys, just asking a quick question over here in relation to my post in another section. My Fiance and myself owe about £16,000 owing on an Asda card and a consolidation loan to Barclays. I would like to move this to a 0% card to start actually moving this debt instead of just paying interest. Most of the existing debt…
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Why am I getting charged double the "typical" APR?
Hi guys, I'm having a bit of an issue with MBNA at the moment. I don't really use my credit card very often - and when I do it tends to be for large purchases that I then pay off very quickly - usually immediately or over 2 months max. I happened to notice recently though that the current APR I'm getting charged is…
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Credit ratings and savings
Hi there, Can anyone tell me - does the amount of savings you have get taken into account when your credit score is calculated? For example, if I had £30,000 worth of debt (I don't) and 100,000 in cash in an ISA (again I don't), would the credit reference agencies understand that I actually have no net debt? Or would they…
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Reapplying for Cancelled Tesco and M&S cards
Hi Does anyone know how long I need to wait before reapplying for these credit cards? Thanks in advance
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credit card wont give me my money back! help
hi, I opened a credit card in october 2010 from santander to help me to move all my balances onto the one card. one particular balance transfer has been a total nightmare from day one. THe amount was for £778 plus the balance transfer fee. I was paying off a next store card. Problem was that the credit card paid it twice…
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Anyone had barclaycard reclaiming charges success????
just wondering if anyone on here has had success in reclaming charges on BARCLAYCARD ? if so , what was the procedure when they made an offer?
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Virgin Credit Card offer
I received a phone call from MBNA yesterday evening (6th) offering me a 0% for 9mths balance transfer with a 2.98 fee. I asked if I could do the transfer online and was told no.....and that it was just a phone offer. I proceeded to do a transfer and have just noticed this evening (7th) that there are 2 offers available…
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Card fraud
I have been shopping online since 1997 without any problems at all until the last 4 months. The problem began with 7 fraudulent transactions appearing on the card I use for all purchases. It was blocked and reissued so no real drama. During the time I couldn't use it I had to use my debit card for online shopping a few…
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Homebase Store Card
I tried to haggle a bed cheaper and the manager didnt budge. She said my only option would be to take out a store card to save 10%, and that I could simply pay the bed off in full the very next month then cancel the card. Is this true? Ive always been very wary of store cards!
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Halifax Clarity cc withdrawing cash abroad question!
Hi everyone, I've just received my first credit card - a Halifax Clarity. The main reason I got it was for the free cash withdrawal abroad perk, as I am spending a couple of months in Asia from next week. As I've never had a cc I'm a little confused! If I'm abroad in say Vietnam, and use a bank ATM to withdraw £200…
