-
Balance transfer
Sorry if this is a daft question but: i have just transferred a balance from one card to another. First time i have done this. Checked online on both accounts & it seems the balance transfer has gone though ok, only prob is that my balance is showing on both accounts. Is it simply that i need to keep checking until one…
-
0% Balance Transfer and 0% On Spending
Hi, Is there such a card that provide on 0% balance transfers for say 6 months (obviously with the usual initial transfer fee) as well as a 0% on Spending for a set period? So far I have only seen these two as separate cards I have an outstanding balance on my 0% card that is due in May that I can pay off, but would rather…
-
Application for a credit card - no search carried out?
Hi there, Just a quick question - I decided to apply for the Barclaycard 20mth on balance transfers offer, but believe I have been declined. I think this is due to me getting the address incorrect (flat and house number issue as I live in an apartment). I've had creditexpert for quite a while and it's been over a week…
-
Negotiating a Lump Sum Settlement
Hi I got approx £15,000 worth of debt with Credit Card Companies, with the average debt, with each company, being approx £1,500 - £2,000. A relative has offered to clear my debts and I'm planning to negotiate final lump-sum settlements. If the average debt is £1,500 - £2,000, how much shall I offer, 30%, 50% off the total…
-
Bank has reduced my Credit Card limit
Had a letter yesterday from HSBC telling me they had reduced my Credit Card limit by £1000. I phoned them and they say as a responsible lender they have decided as I dont utilise my limit they have reduced it. I have had the same limit for years and run my account responsibly. Can they do this ? The limit they have given…
-
M&S Credit Card and 0% on purchases
Hi, I hope someone might be able to help me out. I am moving house and need a credit cards to buy quite a few things for the new place and delay repayments as much as possible without paying much interest. Found out from moneysavingexpert guides that M&S offer 15 months 0% interest on purchases. Went on their website to…
-
credit card rewards....
hello just wondered if anyone else was like me and tries to build up your rewards? i have both a tesco and debenhams card but now use the debenhams almost exclusively as its much better value. i always pay the ballance at the end of the month. i had a £15 voucher to use at debenhams yesterday and gladly used it! i have…
-
Payment date help
Hi I recently got a new Capital One card (the 1% cashback card). Anyway I have been away from home since applying and returned yesterday to find my new card etc and this months statement which was for a balance of £18 (the annual fee). Anyway this has a payment date of 29 Mar. Obviously I haven't set up any direct debits…
-
Capital One
I have had a capital one credit card (30+%) and have a limit of £200 which I have had for about 1 year. I always pay this in full every month and the card has an expiry date of May 2011. Can I expect an increase anytime soon?
-
How long before I can ditch the Capital One card for a better interest rate?
I've had a Capital One card since about November and have fully paid off the balance each month. I know I've not had the card long, but I was just wondering how long it would take before I can get a card with a more favourable interest rate? My current interest rate is 30.4%, which seems quite mad. I think my rating has…
-
yvonneplease advise on besy credit card protection insurance
please advise on the best credit card protection insurance,as mine has gone up so much to £32
-
Barclaycard
just tried applying to a barclaycard - can't make a decision just yet, will let me know in 5 days :mad::mad::mad::mad:... Have an excellent credit rating though... Must be because I am self-employed. Would my self-employed status be the reason why they will let me know in 5 days? Interesting that a search hasn't been…
-
Credit card settlement?
Hi there, I'm after some help on a credit card I have had for a long time now. I got the card when I was 18 and pretty much blew it all fairly quickly but made regular payments until they said that the card could no longer be used for whatever reasons they gave. I've been paying it off ever since, sometimes larger payments…
-
First Credit Card - 0% Purchases Help?
Hey All, I'm looking at getting a credit card to make a purchase, I'm a tad confused by the 0% purchase offers so I'm looking for someone to explain if they can. Santander offer their "Zero credit card" which offers 0% on purchases for 6 months, my query is if I make a purchase say £500 and pay £100 a month for 5 months…
-
Standing Order to Natwest Credit Card
Hi, I have recently transferred my girlfriends mum to a Natwest 0% interest credit card and cancelled her PPI. Saving her more than 1K this year:j I'm trying to setup a standing order from her halifax account to make monthly payments but I don't know how to do it. The credit card has no sort code as such, and I don't know…
-
Don't get caught out like I did!
A word of advice to anyone who's recently done a 0% BT. I've done loads of these in recent years, and I'm well aware of all the dos and don'ts, especially the rule that you never spent on a card you've just BT'd to, due to the old 'payments hierarchy'. That meant that all payments went to the amount on zero interest,…
-
Open Credit Card Voucher
Hi all First time post- I hope it's in the right area. Husband and & are hiring out a classic car tomorrow. I have been told I will have to leave an "open credit card voucher" with them. I think this is fairly standard but I don't quite know what it means. Is it simply a paper form I sign without an amount on it? This…
-
Anyone know anything on (RISE CREDIT CARD)
Hi guys first everpost so bear with me i filled in a application form and got accept for a credit card but the firm who offered it was not someone i had heard of before so i was wondering if any of you guys had heard of them details as follow: the credit card is a RISE VISA CREDIT CARD at the bottom of the letter its…
-
When is it interest free?
I was reading the back of my statement and it says: Interest free period: For purchases if you pay your balance in full, by the due date - 59 days Interest charges are applied on purchases: From: date purchase is applied to account Until:statement date. Now if I get a statement every 30 days then how do I ever get 59 days…
-
Secured Credit Cards
Hi everyone I have read that there is are 'Secured' credit cards that works on a deposit basis and are available to individuals with poor credit. Is there a lower limit of Credit? Are these accepted without a Credit check? Do they improve your Credit? What are the 3 best Secured Credit Cards on the market?
