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Building up good credit file?
Hey there, more informed peeps :rotfl:, just a query- My 20 year old son is sensibly wanting to build up a good credit file for long term benefit so he can get a mortgage etc in the future so we are wondering how to go about that. Currently he has a current account and savings account with HSBC, the current account has his…
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Travel Money - Credit or Debit card?
Hi there, I'm going travelling later in the year and I'm researching the best card to take abroad with me. I keep coming across the Halifax Clarity card h**p://***.moneysavingexpert.com/travel/cheap-travel-money#topcards but as I haven't had a credit/store card before I don't think I'll get the lowest APR due to lack of…
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PayPal Website Asks For Credit Card Number
Hi, Everytime i log into PayPal it asks me for my full credit card number. it says that they are carrying out regular secrity maintenance of their security measures and that my account has been randomly selected. i haven't done it because i assumed they would already have my card number and they wouldn't ask for it. i also…
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Balance transfer
Anyone now if you can make more than 1 balance transfer to a card if that card is offering 15months 0% for a balance transfer. Say the Credit limit was £5k for the new card and I had a debt of £2k on one card and £2k on another card could I lump the total of these 2cards onto 1? (i.e new card would result in a balance of…
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£54 interest on £430 balance??
Hi, I have an MBNA BMI American Express credit card which charges a monthly interest of 1.94% Up until this month I have paid off my balance in full by the payment date and have not been charged interest. This month my balance due was £1820 and I was only able to pay £1390 of it, leaving £430 unpaid. My [mistaken]…
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October 2010 payment on card?!
Hey all Wondering if you could give me some advice/help. me and some friends stayed in a hotel back in october. Ive just checked my cc statement and they have only just put it through so it is coming out this month:eek: Is that allowed its nearly 6 months later?! I'm quite happy to pay them but surely if they wanted paying…
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Have I really got to Give Barclaycard the elbow?
:( I phoned barclaycard today,politely asked for assistance in aquiring a reduction of interet rate on my current balance and was told "Our interest charge is most competitive,we cannot give you a reduction of interest charges on your monthly balance". been with Barclaycard over 30 years,never blotted my copybook. always…
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Debenhams store cards - no expiry dates - means no balance transfer
I have a debenhams card and wanted to balance tranfer to Bcard under the 0%. When I started the transaction it appears that the debenhams store card does not have an expiry date which means you cannot transfer the balance. Does this seem a loophole with which they can keep hold of your balance at a very high APR? Any ideas…
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Outstanding CC debt - advice
Advice needed for outstanding credit card debts. I currently have 3 outstanding balances at 0% interest on credit cards (**£2,000 on nationwide 0% left until July 2011 ** £2,000 on Tesco 0% left until Sept 2011 ** £1,600 on Barclaycard 0% left until May 2011). I have another credit card for my monthly purchases and pay…
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Tesco Credit Card Clubcard Points
When I applied for my Tesco Credit Card last year I believed i was to earn 1 point per pound spent in store and it is in fact 1 point per 4 pound. Has this changed does anyone know? :(
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albion collections
hello i wonder if anyone can help me please ive got into a mess with my credit card and ive received a letter from albion collections saying pay 16k now! i cannot pay. i wrote to them and told them of my circumstances and ive heard nothing im sacred they will just turn up on my doorstep and take my tv i have no assets or…
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Re reducing interest on my halifax cc
Hi all, I currently have a Halifax cc with £5000 outstanding...the 0% apr offer finished in dec and now with a min monthly payment of £97 only approx £15 is coming off the balance....Ive tried to switch cards but have been declined is there any point in me ringing them to see if they can reduce my interest rate? if so what…
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Help! Credit Card default help required :(
Hi hoping someone can help me as I'm actually worried sick...I've ALWAYS paid my credit cards on time, I have a direct debit AND standing order set up on all 3 of them to ensure I don't miss a payment... I managed to clear one of my cards so cancelled the direct debit (and left the standing order) but have just found out I…
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ruined credit rating?
I have recently found out my brother has taken out 2 credit cards in my name and they have now been defalted. i do not wish to contact the police as dont want him to get a criminal record and i cant afford to pay off the debt myself. even if he makes repayments to the debt collectors it will still now show in my name. is…
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Clearing Credit Cards
My son and daughter in law have ran up debts of £20,000 on credit cards. I am going to clear the debt for them but before I do this any ideas on how I can benefit by maybe obtaining a new credit card with reward points and/or cashback and transferring the balances from their credit cards to this new card and keep the…
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I don't have a credit card, so do i have a bad credit rating?
I've been told that if i don't have a credit card then i automatically have a bad credit score - is this true?
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Card transfer(s)
Hi,I already have a cc with lioyds,I was going to transfer to either Tesco or barclaycard,looking at there good 0% offer for 12/13 months,but they turned me down ? I have no black listing no late payments,ccj's etc,this was the same when I applied for virgin and egg card,am I doing some thing wrong ???? My current limit is…
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MSE News: Barclaycard to launch longest-ever 0% balance transfer card
This is the discussion thread for the following MSE News Story: "The UK's largest credit card provider will offer an 18-month interest-free period on transfers ..." Read the full story: Barclaycard to launch longest-ever 0% balance transfer card
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M&S new cc offers 15 months % free on purchases
I have just read an article in today's MoneyMail. M&S Money are launching a new credit card tomorrow offering 15 months interest-free on purchases. Now, I have to decide whether I want 0.5% cashback in M&S vouchers or go for the TPF card giving 500 bonus points and 0.75% cashback in clubcard vouchers. BTW, I would not be…
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my minimum payment has doubled now intrest free has finished, is that correct?
Sorry if I appear a bit thick, but I shall explain my query. I got a Halifax one credit card on 10 months interest free which finished on this months statement, but the minimum payment required has increased by more than double, is that right? The balance on 21/1 statement was £1138, minimum payment £11.35. My statement…
