-
Can you use a credit card to transfer the balance of a finance loan?
Hi, We have just agreed to have some new windows and doors fitted and we will be using the Barclays finance package which was offered to us by the window company. If we were to just pay off the minimum each month it would take us 10 years to pay off!! I wondered if it would be possible to get a credit card with an interest…
-
Barclaycard mess
Hey all - need some expert advice. I'll keep it brief and detailed. Have a Barclaycard credit card - got relocated with work to the states - had a balance of circa $1500 on the card. I had a direct debit set up, and unknown to me the dd was cancelled by Barclaycard. As I was not in the UK - and travelling with work, I had…
-
Santander Mastercard
I tried to use my card this morning & it was refused. I have no idea why so I went to the branch in town as I was nearby & the cashier siad she had no idea why. Didn't see anything on their system. Advised I called them. So I called them & answered the security questions OK till she asked me "of any transactions in the…
-
Transfer from Vanquis
I have a £2500 balance on my Vanquis. I am looking to transfer this to another card with a more favourable APR MY credit is classed as Good on Equifax and I have no defaults/ccj's I have tried my current Bank (Santander) and was refused. Any suggestions who might be willing to accept me.
-
MBNA minimum payment help!
Back in August I set upa dd to make minimum payments on my account and have sinced allowed this to continue presuming all upto date. However I have today sat and looked at the statements as the balance did not appear to be moving. Looking at the account I noticed a late payment charge was happening every month anf the…
-
Balance transfer more than debt
Hi, I've just got a credit card with a 0% balance transfer (16 months at 1.99%) and would like to take advantage of it before the 'transfer window' expires. I don't have enough credit card debt to do this, but I will within the next few months. I would like to use the maximum balance on this card to transfer funds to my…
-
Halifax Credit Card Problem
Hi all, I am having a nightmare with Halifax, at the end of July 2011 I was offered a 13month interest free credit card from the Halifax. I took it thinking that I can handle it and that it would help my credit rating in the long run. Well I was paying manually and at the end of October, although I made the payment in…
-
Capital One secured Card
Hi Guys, I have had a capital one secured card for 6 weeks now. I paid a £29 deposit and have a £200 credit limit. I'm wondering if anyone else has had the same card with the same limit and how long it took before they got offered their first credit limit increase. Thanks in advance
-
balance transfer for low income?
hi all. After ringing Barclaycard to see if they had a better product I could switch to to save some money I was told by the operator in a call centre in India that there was no such deal to be had so I am asking if anyone knows of a card I can transfer to that will save me some money and get rid of Barclaycard. I have…
-
Tesco Credit Card vs Capital One Classic Extra
Just seen the new Capital One card mentioned in weekly email as an easy-to-get cashback card. As someone who isn't eligible for the best cashback cards (good credit score but low income), I currently do all my spending on a Tesco Credit Card and convert the Clubcard points I get into rewards, (usually) tripling the value.…
-
cash withdrawal on credit card
I have been looking at various options for my holiday to USA. I have a Santander Zero credit card, so good for spending, but see that for cash withdrawals 26.7% is charged. I know I'm being a bit dense, but what does this mean in practise, say for withdrawing $500 per time cash? Have looked at cash passports for use in…
-
To lend or not to lend?
Hello, I will start this by giving you some details about myself. I'm 23 years old Bank with Barclays Earn £18000 a year (w/o overtime) Noddle credit score of 3/5 Im looking to possibly get a credit card to pay my annual car insurance of £1070. If I pay monthly it works out around £1200 I think so a 0% card would be good…
-
Best card to spend abroad
Hi folks, I have read martins email about best cards to use abroad to avoid the fees, but I was wondering if there was also one that has a 0% for spending, say for 6- 12 months, as well as no charge for using abroad. Cant seem to see a card with both?
-
Is Barclaycard pulling a fast one on former Egg customers?
I am a former Egg credit card customer, who following the sale of Egg creditcard by Citigroup to Barclays has now become a Barclaycard customer. I wanted to add an additional card holder to my currently zero balanceaccount. I was told no in writing and then when I called up was told no becauseI am a former Egg customer. I…
-
Stuck Student, Needs Help...
Hey Guys! So a few years ago I opened a bank account with Yorkshire Bank and they give under-18s simple accounts with no kind of overdraft or anything. I turned 18 in January. OK so the main problem is when they gave me the card the card type was maestro card. I want to change this to something like Visa or MasterCard (I…
-
Are these guys serious?
Hi All, I've been looking round various websites just browsing really when I came across this on propertywide.co.uk: "Poverty rates in the UK could increase dramatically by 2020, as a result of changes in the labour market, as well as the tax and benefits system. That is the finding of research conducted by the Joseph…
-
Credit limit on credit card
I am getting married in the summer and although me and my partner have saved up for the wedding, we will need to borrow to pay for our honey moon. After looking on Money Saving Expert i liked the idea of a 0% credit card (the Tesco one for 16 months looked ideal). We would easily be able to pay off the debt in that time…
-
Amex companion flight...ideas for spend
Hi It is coming to that time of year for the wonderful Amex companion flight...the problem is I am £1k short of the spend required for the year. Does anyone have any superb ideas for spending the extra money needed without spending it!? For example paying council tax in advance etc rather than buying an unneeded treat! Any…
-
Help with Short Term Loan/Credit Card
Hi, I appreciate that this subject is pretty exhausted in this forum, but I just need some advice for getting a short term loan. It seems my credit rating is satisfactory. But I can't seem to get credit? I've never missed payments and have paid off a loan without problems in the past, alongside car finance which is ongoing…
-
New Credit Application - Balance transfer
Hi All, Just after a bit of advice. In december my 0% deal comes to an end and I will have a balance of 4K that I need to transfer. Curently I have the following cards. Naionwide limit £5380 balance nil Barclaycard limit £3800 balance nil Virgin limit £7800 balance 4K 0% deal until december Amex limit £1600 balnce changes…
