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Putting A Credit Card Into Credit....
Hi Guy`s! I recently applied for and was successful in obtaining a £10K personal loan for the purchase of a new car. The loan amount was paid directly into my Santander current account, fearing that my busy current account might swallow up some of it, I moved (on-line) the full loan amount to my Santander credit card,…
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charge on our home
Hi can any one help,how do i check if a credit card company has put a charge on my home? i have signed up with experian,that shows 2 ccjs but no charges,where do i find out,thanks
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what is a monthly purchase interest rate?
Hi, my vanquis card came yesterday, and at the top of the attached letter it states: Your Credit Limit £500 Your monthly purchase interest rate is 2.000% Your monthly cash/cheque interest rate is 3.000% When I was accepted on the phone, I was told my APR would be around 39% and the moment I heard that I stopped listening…
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DD to pay Credit card off
Sorry if this has been covered before but I am thinking of getting a Halifax Clarity credit card for use abroad. We spend quite a few months in Europe and use the Nationwide Flex account which now charges for use abroad. I have never had a credit card before and I understand with the Clarity all purchases are free of…
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Help! Rejected application and don't know what to do next!
I currently have around £11,000 on three different credit cards. I haven't spent on these accounts for some time but have let it get to the point where I hadn't realised how much the total amount actually was! After using the calculator on here I decided I would apply for the Halifax card 0% over 22 months. I felt so…
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Which to pay first
Hi all I currently have 2 main debts on credit cards £3000 on Halifax with 19% apr and minimum payment of around £50, I also have a Nationwide card with £3000 but has a 0% interest until september this year. I will be able to repay £2000 by the time this 0% runs out but which card would this money be better going to and…
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just read the small print on the capital one credit card
not really impressed. cashback is paid yearly (paid every January) 5% is a great introductory rate, but you can only earn £100 max @ 5% (£2000 spend required) but then, it drops to 0.5% for the next £4k, and increases to 1% for the following £4k and then 1.25% after that. i don't really care about the 1.25%, I got the card…
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Debt Collection Agency Ignoring payments
I have 2 catalog debts (same company) which I cannot pay full payments on, I got behind when my husband had no work and I only have my state pension. I have had so many letters and phone calls which I have replied to and have sent the agency copies of pay slips financial statements etc and have been paying them £15 every 4…
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Balance Transfer or pay off and get new card?
Hello, I could do with a spot of help. I’m confused with the whole Balance Transfer. Here’s the basics. My 1st credit card is due to expire. It’s 0% with limit of 6k. I’ve just about reached the limit. I would now like to transfer the debt (or part of it – e.g. half, so transfer 3k, and pay the other half off). I am in a…
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The credit card shuffle
Hi all I've been shuffling credit cards for a little while. I recently used Barclaycard and Santander; and then transferred on a 0% BT to Virgin and AA (both with MBNA). I now have until December 2012 on both. I have £6.5k and £9.5k outstanding debt; and hope to clear at least the £9.5k by December, leaving me with the…
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I was declined for a play.com credit card.
I applied for the play.com credit card through MBNA and was declined I find this very odd as I have another card that they run the amazon.co.uk mastercard. So I was wandering is there a phone number I can contact them on so I can find out exactly why they refused me when I have another card from them already there was no…
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New in the US: Is there an impact if I close my first credit card after a month
Hi! I am new to the US and just opened a secured credit card account at CapitalOne to start building my credit score, but I had an offer for a better one by Bankofamerica. As I already have a checking account at BoA, I think it would be easier for me to get their credit card too. As my credit score is virgin for now, would…
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Which card
I have filled in the Moneysupermarket form and got a credit rating of 'good'. Recommends Capital One, Halifax and Lloyds student cards. But I'm dubious. I have only been back in the UK for 5 months (before that was abroad for 5 years) so I put my previous address as my last UK address which was a little over 5 years ago (I…
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Credit rating from Equifax - call?
I just signed up for the free 30 day trial at Equifax to get my credit record and also to get cashback from TopCashBack, but the site asked me to ring them up to complete the process. I did this and was told to send a scan of drivers licence and bank statement to an email address. Do I need to do all this to get the…
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Natwest mess up - can it be sorted ?
Hi, I have a Tesco CC with a 0% deal ending soon so after reading Martins balance transfer guide decided to call Natwest who I have my current account with to see if they could offer me a deal to save another credit card application. I told them i had a tesco cc and was looking to transfer the balance. They said I had only…
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Balance Transfer to Pay off An Overseas Card
Hi there, Can anyone tell me if it's possible to apply for a UK credit card to pay off an overseas credit card by transferring the balance? Otherwise, is it possible to apply for a loan to do the same? I would really appreciate any help as my debt has been referred to a collection agency. Thanks, S
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Barclaycard Balance Transfer - Existing Customer
Hello, I have a query with regards to balance transfers for existing customers with Barclaycard, but first, here is my story: I made a balance transfer to Barclaycard on their life-of-balance deal of 6.9% about 2 years ago, then in April 2011 my direct debit failed due to lack of funds and thus i had a missed payment. The…
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wonga vs vanquis
Hi im after a little advice/guidance,ive got myself into a fortnightly spiral with wonga which i want to end asap. Ive just received my vanquis credit card which i know isnt perfect but heres my plan. Each fortnight i repay wonga around £200 and almost immediately reborrow the same amount as were on benefits and the £200…
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Will i get better credit cards/products next year?
Hi there, i have never had credit before, other than a few months ago, and i was just wondering, will my credit file be in a lot better situation next year, basically, possibly being accepted for mainstream cards such as Natwest/Tesco/Halifax/LLoyds ? I'm looking to try getting one of this card, this time of April next…
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6 Month in USA - Stoozing
Hi, While I am new to posting on the forum, I have been a follower of MSE for several years. I am in need of some advice about credit cards. I am going to be relocating to New York from the middle of April for my job for 6 months. My salary will be paid in GBP while living in the USA, so the FX exposure is carried by me. I…
