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Capital One - Any chance?
Hi all. I have (for my sins) a Capital One cc, i currently pay the minimum payments each month, i've never missed a payment in the years i've had the card, i dont use it for spending and my limit is £1,400 but im not maxed out. Im just finding it difficult to pay the minimum payments at the moment im not struggling yet,…
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Hi
hi i currently have a lot of money i'm paying back to provident :mad:, my mother in law has offered to get a 0% on purchases credit card to pay this and i pay the card instead. Just a question, if paying another loan considered a purchase and would be included in the 15 months intrest free ?? many thanks charlotte
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Do you have to pay off credit cards before appying for mortgage?
My wife and I are preparing to apply for a mortgage soon. We have 4 credit cards with a balance of £11800 (total limit is 16300). These are all 0% purchase cards, and we have enough cash in saving accounts to pay the card debts and 25% deposit for the mortgage. However, two of the 0% purchase card deals will end later this…
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American Express Preferred Seating
Hi - i go to quite a lot of concerts and have heard about the american express preferred seating. i was just wondered if anyone has used it and if it would be worth my while to apply for an american express card just to have access to preferred seating or will my credit rating be adversely affected (I already have one…
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maximiles card
Hi I was looking at this card and wanted to enquiry as if I am eligeble to apply for this. This is beacuse it states that you need to be in full time employment, on the criteria of the apply now button. But on the other hand in the FAQ section under, who is eleigible to apply it states that students can also apply,…
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Credit Report
Okies. When does a free credit check mean you have to pay. This is Iris to me. Googled Free ceck and Expedian was bought up as Free. Filled in details then asked me for £14.99. Bit of a con :mad:
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Do the 2 card shuffle
I have 2 cards I want to shuffle payments across on. On both, the 0 % interest has expired and now interest is between 15 and 17.5 % on both. Simply want to do a crossover of the amounts to each other as they are both offering 0 % for between 10 and 11 months each. Is there a danger that some will not be correctly…
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Credit Card advice
outlined below are my current credit card debts - I have recently cancelled a couple of cards I no longer use and also requested a reduction on one of my cards and now I'm thinking that may have been a mistake! I will be needing to transfer some balances later in the year when the current 0% deals come to an end. Hopefully…
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Will this effect my Credit Rating?
Hi all, I'm thinking about getting a new credit card that offers 0% on purchases for X months, still looking at the different ones that are out at the moment. My plan was to put all of my spending onto the card so that I can place the majority of my wages into an e-saver I've got thats paying close to 3% currently,…
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Are Natwest allocating my payments correctly?
I've just checked my credit card statement and on the back it says that payments will be allocated to the most expensive debt first. For me that is my purchases as I currently have 0% on my balance transfer but it looks like the payments I make are paying off my balance transfer. Is this right?
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What considered max available credit
I may want to switch soon from Egg to Cap one. I have 44% of my income in available credit amongst 3 credit cards but relatively low amount used as it's paid off in full monthly. Would I have an issue getting another card with that 44%? I have no late payments or defaults and plenty of history (6 open accounts, 16…
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finding out which cards under my name?
Someone has hacked my amazon account, purchased 3 gift vouchers. Amazon straight away shut the account and send me an email saying they were unable to stop the transaction been taken from my creidt card...... you credit card ending in XXXX , ummm that is not my card. Amazon being about as useful as a chocolate teapot and…
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Help with changing cards
I swapped a couple of cards by following martins advice which was great. Then both cards halved my credit limit which i put down to the crunch and i didnt want to spend on them anyway just clear old debt. Problem is the deals are ending and martin advises to switch to stay in 0% etc and yet no card ive contacted says they…
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Santander Zero CC - Balance Transfer Fee?
Hi all, I have a Santander Zero Credit Card which I got in June last year under the original terms and conditions eg. 0% interest on balance transfers for 12 months and 0% balance transfer fee. I've been happily using this incurring no fees for the past 5 months, obviously as its 0%. But have just had a fee charged (£5)…
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applying for credit card - addresses
Hi, My 13month 0% on purchases on my tesco credit card is nearly up. I owe about £1200 on it, so was going to apply for a 0% on balance transfers card and then get it paid off within the next year. BUT i've just suddenly had a thought. Last year when I applied for my tesco credit card I didn't get the first month…
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buying online with a credit or debit card?
hi people is it safer to buy online with a credit card other than a debit card? can anyone help please charlotte :)
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Bit of a draft question on Credit Card Budgeting
Okay here goes I have a Barclaycard and LTSB MasterCard, I pay both in full each month, but I hardly ever use the Barclaycard. Both are paid by Direct Debit, the Barclaycard is paid on the 15th of the month and the MasterCard on the 30th. That means a large debit on the 30th of each month, I though it I split my purchases…
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Flight cancelled. can i reclaim accomodation from credit card i bought it on?
Hi guys i booked a holiday on credit card. the flight was cancelled due to bad weather back in november. can i reclaim the cost back from my credit card company.
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Credit Card help!
Hi I've got myself in a pickle. My husband was made redundant in 2009 and since then he has been ill and unable to work. I am now in a position where I can't pay my credit card bills. How do I go about requesting a reduced payment?
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High value credit card purchases
We are purchasing a new narrowboat from a builder for £58000, and need to pay a deposit of £2000. We wanted to get the protection against the company going under of paying the deposit by credit card, but understand the limit for section 75 protection is £30,000. Will the new provisions which came into effect on 1 Feb give…
