Credit cards

Archives for June 2011

what will minimum payment be on a 0% credit card
I'm considering transferring my existing credit card balance to a 18/20 months (or whatever is available) 0% interest credit card. So when I do, what would the minimum payment be during the interest free period? The balance I wish to transfer is just short of £4000 and my current minimum payment is £85pm of which £53pm is…
What's the best way to solve this ?
I've come here for advice on what I should do. Heres my scenario: I drive a car that's breaking, way to expensive on tax and fuel. I've decided I need to purchase a second hand car that's lower litre and more economical. My budget would be £1000 on a new [second hand] car. However I need my current car to get to work 5…
Contactless Payment
What a waste of time this is. I have tried to use this many times most of the time the staff have no clue. I have tried twice in McDonalds the first time there till crashed and I had to pay cash and the second it said "bank security check" and still wanted the PIN. I wont even be trying to use this feature in future. And…
CREDIT CARD Wanted - to apply for US Visa?
Going to the states soon and I understand that you need a CC to apply online? HELP NEEDED PLEASE What kind must it be? I dont intend on spending any money on it (apart from maybe the need above) might be usefull for a few US purchases..but not too many have funds to pay it off ASAP and dont like credit generally I bank…
balance transfers for a defaulter
hi, can anyone tell me if i can apply for a balance transfer if i have a default? basically i had two credit cards. one to bank of ireland and another to A&L. the first one i was having difficulties paying and agreed to repay them through a crowd called gothia a set amount over ten months to get it cleared (almost done…
Credit Card PPI reclamation
Hi all I have followed the rules set out on this brilliant website regarding PPI and have got just one question. Having rang a couple of credit card companies regarding this they posed a query question of their own!! I quote ' are you complaining yourself or using a company?' I started to wonder if claiming yourself they…
Unsecured Debt Issue (Credit Card Limit Increase)
Hi All, I went to increase my credit limit on my Tesco Credit Card today from £2,500 to £5000... just about to pay for a holiday, flights and the same for the family (they don't have a credit card so using for protection). I did the increase online which got rejected so I called up to ask and they told me it is because I…
How to do a chargeback
Hi, Looking for some advice please? Basically the place I get schoolwear from ( schoolwear for less ) appears to have gone into receivership and its well overdue with my order. They have taken £11 off me ( I know its not much but its pd me off as they could of rejected the order. ) which was paid by CC. They are still…
Helping the poor by ripping them off
I received quite a presumptuous letter from my papal credit card asking if I am having difficulty paying them off, which I have done in full last week. In the letter thay say if I am having difficulty paying them I should call them on an expensive 0871 number! I'm sure that's going to help if your in trouble.
Increased credit limit
Recieved a letter form Halifax Mastercard: Great news-we're increasing your credit limit. In view of the way you've managed your account we're pleased to tell you that we intend to increase your credit limit to £2250.(An increase of £750) Now bearing in mind that I've been pretty much at my £1500 limit for the majority of…
Charged by two cards for the same money.
Hi, Don't know if anyone has noticed this before, but would be interested to know the answer. I have recently transferred my credit card balance from Virgin to Barclaycard (could resist the 20 months 0%); and at the present moment have the same funds on both cards. Barclaycard have added the transfer amount to my card as…
Where's the better chance?
Hi there I desperately need to try and change my credit card provider to one with a 0% deal on balance transfers. I don't use the card for purchases as I'm concentrating on clearing the debt. I applied last year and got rejected so am wary of trying again. I got a credit report at the beginning of the week and it looks…
Can we hold different credit cards registered to different addresses?
We will be moving into rented accommodation in connection with a move to a new area due to OH's work. We are keeping our family home (son is continuing to stay here) and we will be here most weekends and holidays. When you order things (especially online) you can only have them delivered to the address the card is…
Do I Transfer my balance or stick where I am?
Hi, I am looking for a little bit of advice on my credit cards. I am 22 and have 2 credit cards, 1 with £0 balance and another with about £1600 on it. I am working to pay off this balance and I am unsure whether to leave it where it is or transfer the balance. It is an MBNA rewards card with monthly interest of 2.5% but I…
exisiting customer balance transfer from different companies, could i be accepted?
Hi folks. I currently have about £5k on 2 cards that are coming to the end of their 0% transfer windows, Virgin and RBS. I have a card i use for emergencies that is a barclaycard with about 24% apr (was my first ever card about 5 years ago) it has a limit of £6400 but there is only about £400 on it. Anyway i noticed…
To close accounts or not?
Hi, I have a credit card that is nearly paid off, and store cards and credit accounts I've paid off and no longer use. I'm not going to use any of these accounts again, so should I close them officially or just leave them open but don't spend? Or is it good to spend a small amount occassionally then pay it off in full? I…
Prepaids
Hi I want to get prepaid credit card and buy it from local store in Los Angeles. It needs to have maximum card value of $500 atleast. I need to buy things from Asia online stores, so it cannot be valid only in the United States. It should have easy activation and minimum hassles when buying it. What card do you recommend…
Barclaycard: paid statement balance early
Thought I would make a new thread since it's a different topic to the one I made yesterday. Previous to my thread (http://forums.moneysavingexpert.com/showthread.php?t=3327798), I made a manual payment (paid in full, instead of minimum payment), as the payment hasn't been taken out of my bank account. The Barclaycard…
Opinions please.
I have asked this Qn before but got referred to my T&C's but don't fully understand so if someonle could help me that would be lovely. I have £3600 on an MBNA 0% until April 2012 by this time hoping to have £1500 outstanding. I also have £1500 on a Halifax Card, at a rate of 20.9% APR....Gosh! MBNA have sent me an offer to…
Should I close cap 1
Having had a not so great period of credit worthiness in 2006 I have over the last few years rebuilt my file. As part of this I used good old capital one and vanquis(closed this one at the start of the year). I now have both a creation card and clarity at about £3k limit each, clarity is solely for withdrawing money abroad…

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