Credit cards

Archives for July 2011

Need suggestions to get cash off CC at purchase rate
Hi Thanks for looking - I want to transfer £4000 from my Virgin CC (14.9% apr) to my Barlaycard (6.9% apr) because I will pay less interest this way. BUT Barclaycard would not let me transfer the balance... So I need to find a way to get the debt from the Virgin card to the Barclaycard. I can't do a Money Transfer from the…
Santander student credit card - Chance of getting accepted?
I want to upgrade my Santander current account to a student account soon. They also offer a credit card which I'm interested in getting to use to build up my credit score for the future. I checked my credit score on experian and my score is around 880. Is this score good or bad? What are my chances of getting accepted for…
How to calculate rep APR on Sainsburys Gold Credit Card.
I am looking at getting the Sainsburys Gold Credit Card. From the Sainsburys page: Interest free credit The added benefit of interest free credit on cash and purchases at home & abroad if you pay your balance in full and on time each month. Your purchase rate 9.94% p.a. variable. With a representative 20.1% APR variable.…
credit search
When you check your credit file do they check the searches made under your name or just the address you used when you applied for credit. thanks.
Santander zero credit card appication
As a Santander mortgage customer I keep getting letters about their cc's and balance transfer deals that they offer. I decided to apply online and have been given a reference Number for my application. Does this mean I have not been auto-accepted or is this normal?
Aqua Card - have we definitely been accepted? (screenshot provided)
Other half applied for an Aqua card, went through all the application stages, waited for about 30 seconds for a decision and got this screen (attached) I know this would suggest that indeed we have been accepted and this may be considered a daft question but the question is, is this full acceptance and confirmation or a…
Thoughts and advice sought.
Been lurking for a while on these forums to try to figure out how to best fix a situation and seen the support and advice given by the good folks on here so thought I would seek some advice too. Basically due to the OH being made redundant for a goodly while (now has new job thankfully) we have racked up approx 33k of cc…
n00b question about minimum payments
Hi, ive only used my credit card a few times and ive paid it off in full each month, but now i need to spend £400 on it now, and i cant pay it off in full until november. so if when i get my bill can i set up a minimum payment then in november ring up and pay it all off?
First credit card
Hi all, im 23 never had a CC before, ive had a few small loans in past all paid off, the only outstanding debt i have is for a watch which is intrest free and costs me around 25 a month.in near future im hoping to get a mortgage however ive been told by my bank natwest getting a CC would help me build up a better credit…
Lloyds TSB Amex Duo - Outsourced CS in last week - steer clear!
Dear All, This is my first post on here, although I have read many posts over the years. I am so incensed at what's just happened that I wanted everyone to know as much as possible so that you can either stay away or, perhaps, transfer your balance. I have used the Amex Duo cards since they came out and have found them…
Post Office Online Fraud Protection any?
Looking at the Post Office Online Savings protection (for example, "MySave Online Savings") I can not see any words to the affect "if you innocently suffer any fraud as a result of our Internet service, we will refund any money taken from your account." I have read the part that states what the saver can do but the saver…
Are Virgin right or wrong?
I have a number of cards and use them according to offers. On the 7 Dec 2010 I had a flyer from Virgin telling me any purchases under £250 before 28 Feb would be 0% until June 11 statement and any purchases over £250 would be 0% until Sept 11 statement. I started using the card including a purchase of £2200 on the 22 Jan.…
Is This Legal
I hope you can help, I hire vehicles regularly from a company and have an account with them which I try to clear by cheque, as and when, they say I must clear within 30 days. (not unreasonable). Once, I paid for a vehicle with a credit card and then a couple of months later they cleared the account I owed them using the…
Web-billing.com - Fraud?
Hi, I have just been looking through my credit card statement and found £44.67 debited to a company called web-billing.com with some kind of account number and 69.90 US dollars with the dollar rate. I was wondering whether I had overlooked some bill but I can't for the life of me remember getting something from the USA…
credit report help!
hi guys just looking for some advice really. my partner went to finance a car during the week and got refused. strange as he is really good with his money. we got a credit report done online and his dads debt showed up under his name (as they have the same name) is there any way we can fix this? thank you! :)
Is this common practice????
I phoned Cap One to reduce the Credit limit on my credit card. I opted out of the interest increase so the account was stopped and I have been paying off the remaining balance which in a couple of months soon it will be gone :D But i wanted to apply for a 0% card to transfer my BoS Card over to save interest but was…
Tesco 0% Credit Card - declined
Hi, the boyfriend applied for the 0% card today and was declined :( Thought this was strange as he's never been in debt and never missed a payment on his credit cards. He called tesco and they said "you've Probably been declined for a card in the past 8months" (which he hasn't) We got a free trial with equifax and as…
Virgin CC
Hi all, last year I took out a 0% Virgin CC and transferred over my debt to it. I believe that the 0% only lasts for 12months and I will again have to transfer it the debt to a different 0% CC. Iam struggling to find when my current 0% period ends, can anyone offer any advice? Many thanks :)
1st credit card, would like some advice!
I have eventually got a credit card, it is the ''lloyds platinum mastercard'' If i set up a direct debit to pay back any monies in full each month, will i be charged any interest? I understand that the 1st 3 months is interest free, but am not sure whether I will be charged interest afterwards. Thanks in advance Stephen
M&S credit card
I have had an M&S credit card for a couple of years but this year got the HBOS reward Clarity card and MBNA AMEX cashback card as figured i would get more back from this. Does anyone know if i am correct in mixing my spend between the above cards i.e. when i spend £300 on clarity start using MBNA will i get more back than…

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