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Credit cards

Archives for March 2012

Improve my credit rating!
On Experian, it states that my credit rating is 'fair'. I assume with this, I won't get loan with the 'fair' rating? I have became employed last week and will receive about £1600 per month. At the moment I have got two overdrafts with two banks, £1500 each (£3000 in total). I plan to get rid of overdrafts which would take…
Avios or Destination Miles for transatlantic upgrades?
Hello, MSE noob, so please be gentle. . . Thinking about taking the family away to DisneyWorld/Land (whichever is the one in California) for a treat next year and have heard about airmiles/Avios points being used to get flight upgrades to business class. Currently we do all our spending on a Tesco card which we pay off in…
BOS PPI and Charges
Hi there, I've recently had an offer made from Bank of Scotland in relation to 2 PPI policies on 2 credit cards I've had since 2001 and 2003 respectively. I have a few questions regarding this first: Their offer is worded as follows: "We would like to offer you a refund of all the PPI premiums paid (inclusive of interest).…
Would paying a utility bill still count under 0% spending?
I'm looking to pay a utility bill on a new 0% on spending card and wondered whether that would count as spending, or is it limited to retail purchases? Furthermore, could someone enlighten me as to the difference between the following two statements here: #…
Tesco CC
Does anyone know when I can re-appy once have shut account down? Thanks
Silly question about credit cards (0%)
I was talking to my friend about finding better credit card deals and she asked me a question, I don't know the answer to, so I'm hoping you knowledgeable folks here can tell me. If you are accepted for a new 0% credit card (also this question regarding cash back cards to please), is it only on purchases from retailers?…
Credit card taken?
Hi Was in the Shell garage last night to fill up the motor, put my card in the machine, then the attendant took it out and told me he has to keep it??????:eek: Never heard of this b/4 and got a bit upset about it (naturally) :mad: He would'nt tell me why he has to keep it. but b/4 I left I told him to cut it up which he…
Capital one classic cc application ! Some advices needed pls !
Hello guys , one of my friends applied for capitalone classic credit card online last week and was accecpted instantly . He was asked to sign the agreetment and was told that the card & pin number would be sent next 5-7 working days . He was so delighted as this would be the first ever credit card for him . He has been…
Egg Card Default notice now shown as Barclaycard
Can any one advice me if it correct for barclaycard to show my account in default after it took over my egg card account I had cleared all the debt ( 8000) on the card before it was taken over by Barclaycard and asked egg to close the account . On my credit files I am shown as having a default with barclaycard which I…
Up in credit limit affect credit score?
Hi, I have a credit card which is payed off each month by direct debit. I have received a letter this morning advising that my credit limit is going to be increased by around £800. I can choose to send this back and tell them I don't want this, and not be considered for any future rises. If I choose to ignore this and get…
Multiple Barclaycards
I was wondering if it's possible to apply for a Barclaycard if you already have one? I've got two already as a result of Barclaycard buying Egg so I know it's fine to have more than one but was wondering if the wife can apply for a second card as we need to do a balance transfer soon Thanks
cant pay my barclaycard
Hi Im new to this, I am finding it hard to pay my barclaycard due to the cost of living rise , everything gone up but haven,t had a pay rise in 3 years. I am now 60 and will only be working for a couple more years, Have been with BC for twenty years , a while ago they put my APR up from 12% to 21% I owe 5000, my credit…
How many MBNA owned cards can you have?
I have one already but am interested in taking out another. Is it possible to have more than one card from the same provider? If so, is there a limit? The Virgin Atlantic white card is very appealing... Thanks
Balance transfer/limit query
Hiya, I have a bit of a dim question to ask:o but I have been sent a great offer of 0% BT on an exisiting card which I'd like to do. But I wondered how much I can transfer. The limit is £2.5k and it currently has about £500 on it, which has interest on it. So can I trf £2k or does the creidt limit nclude interest, so If I…
Amazon credit card
Anyone else like me confused by their offer? seems that it is only usable thro Amazon to purchase items/through on their site. Have asked them to clarify this,but no reply so far.Card is loaded onto your Amazon A/C as the default creditcard, so all transactions go thro it,so when you go past the 30 days "open A/C " offer…
Be careful who you give your credit card number to?
Was a while ago but I'll share the experience I started using a new company (World on line) for internet & phone service and paying them by DD from my Barclay card long story short they kept charging me wrong amount, not sending invoices, etc,etc and I decided I no longer trusted them and wanted to part company, cancel my…
TESCO disgraceful behaviour
I am having a nightmare with my Tesco Credit Card. I chose to make fixed payments instead of full balance by Direct Debit from March 2011 onwards. In January 2012 customer services told me that I couldn't change the amount of the fixed payment even although I had previously done so. I therefore stopped paying by Direct…
Which is the best card for spending on? (Maths problem)
Hello, I have a maths problem I can't work out, hope someone here can help... So I have 2 credit cards on a high level of interest, so i'm attempting to reduce the amount I'm being charged in interest by spending on them (keep with me). The idea being that when I get paid at the end of each month, I work out how much I…
Credit card abroad
I often use my Nationwide credit card in Spain. Just recently in supermarkets I am given the option of paying in GP pounds or Euros,which option should I choose and why ?
Help
Hi sorry if this is the wrong place to post this. Someone has applied for credit cards in my name with my information and now my credit rating is through the floor! They all failed. How do I get this sorted out? do I have to go to the police (rather not) do i contact each of the banks? all help appreciated.

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MSE News

Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
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Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payments this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Credit cards

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