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Interest On 0%? Huh?
Hi all I just got this message from Capital One: *************** I can confirm that the 0% interest rate on balance transfers expires on 25 September 2012. Thereafter, you'll be charged interest at the rate of 34.94% p.a. This means you'll be charged interest from your October statement. Please note that we work out…
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Section 75 pip implants hsbc update fos decision!
Hi I've started a new thread sorry but but I have been having trouble logging into my other account.anyway I've had a decision from the fos regarding my claim as my partner had paid for them but the company had gone into administration.I will put paragraphs below of the main parts of there decision is as follows The crux…
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US Credit Card
Hi. Me and my family are coming to the UK on holiday and I was wondering how accepted none-chipped cards are? Do most chip and pin machines still have a swiper on the side? Also I have a Visa but my Amex has no foreign transaction fee, how widely accepted is American Express in the UK? I'm only really worried about…
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Cash purchase from credit card
Hey folks, I've just activated a NatWest World MasterCard (I tried to post a link to NW's website, but as a new user links aren't allowed) and need to make a £700 purchase (I have an £800 limit which I asked to be reduced from £1200). The problem is it's a private purchase (car) and the seller has asked for cash ideally.…
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Young person here with only a capital one high interest card, need a low interest one
I am only 20, I have a high interest capital one card which I got probably just over a year ago, now I need to pay some catalogue stuff and am a bit behind and don't want all the interest piled on so was looking to see if there is a good card with no interest for only about 3 months? That I could pay my catalogue off with…
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Halifax Clarity Card Rejection
Hi All, I'm seeking opinions/advice. I have just had a online credit card application rejected for a Halifax clarity card. Current Position: £36,000 Gross salary, Full Time employment with the same employer for 1.4 years. 999 credit score on credit expert. With "6 positive factors" influenceing my credit score. No debt,…
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balance tranfers
hello everyone. this is my first thread. when halifax offered 0% interest on balance transfers for 22 months, i transferred £1100 from my barclaycard. after 6 months i have noticed that i am paying interest each month. the reason i did the transfer was to pay off the outstanding amount interest free over the 22 month…
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22% Natwest
Hi, if I apply right now, will I be accepted for the natwest 22% CC? It says on the right that it ends on Monday. I was hopeing to get one but was waiting for the right time, obviously a mistake. I thought it was a standard offer and not a deal. Will a deal like this pop up anytime in the next 2 months? (when I'll be…
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Nationwide Credit Card balance transfer
Does anyone know if you get a NW card with a 20 month Bt deal whether they count the 20 months from when the card is taken out or from when you decided to go ahead with the transfer. I have another month to take up the offer but by then will have had the card 3 months. Also do they charge interest on the fee and is it to…
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Barclaycard 15 months 0% BT existing customers
Just had this offer drop on my door mat, every month i get a different offer but this one 15 months 0% 2.9% fee is the best one yet. Has anyone had a better offer? Reason i ask is i have £2300 on Halifax with 0% expiring in 2 months, figuring it best to switch it now as offer valid until Aug 31st. Out of all my cards…
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Sainsbury or Nationwide card help please
I have been using a Sainsbury credit card for the last 2 years as I was offered double Nectar points in Sainsbury's.. This ran out a couple of months ago and I switched to my Nationwide card which gives me 1% cashback on all purchases.. I have just called Sainsbury to cancel their card and they tell me that this offer has…
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Petrol Cashback loophole?
I was wandering if anyone would be able to offer insight into this scenario. If I use a Santander 123 Cashback Credit card ( or similar credit card which offers a higher cashback on petrol) and I buy an item at a petrol station, such as a chocolate bar, will I get the higher cashback on it (in this case 3%, rather than the…
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Capital One
Hi Guys, I have a poor credit rating and got a Capital One credit card to help improve it. Ive not had the card 5 months, spent on it each month and paid off the total amount each month. My statement is due in the next couple of days, but my credit limit is still only a tiny £200. Is there anything else i should be doing?
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Pondering using credit card for the first time for home renovation
Hi all, I'm in a position where I could really do to push on with some house renovation works (in advance of winter!), and an extra £2k would really help out. I have that sum or more due to be paid in by clients in the near future but a new boiler is required (+ kitchen/cooker...). I've been looking at the tesco 0% for 16…
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Halifax Clarity
Hi I am going abroad for 3 weeks and was planning on using my Clarity card for cash withdrawals as they do not charge a fee apart from the interest fee. Is the interest charged from the day I withdraw right up until the next statement date even if I were to make a one off payment to the card once I have withdrawn cash? The…
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credit card payment holiday?
Hello, am new to this forum. Just wondered if anyone had some advice about how to get credit card company to agree to a payment holiday? Have got myself into difficulty after being made redundant, but thankfully am back working again - though will take me a few months to get back on track. I would ideally like 3 months off…
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0% transfer to a card with an exisiting debt??
Hi Guys, hoping someone can help me please, have been offered a 0% balance transfer from RBS and would like to transfer an existing Barclays debt with a 29% apr. I have an existing debt with RBS can you tell me how the repayments would work if I do a transfer? Would I get 0% on the transfer and pay regular on the original…
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price advertised- is this binding?
I have just tried on a wedding dress that was priced (on the tag) at £314. The sales woman put it aside until Tuesday(4days) for me to pay the £100 deposit to keep it. After about 20 mins I recived a phone call and she said it was marked wrong and should have been £795. Do I have any rights as this was just a verbal…
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Advice needed R.E. Balance transfer
Hi guys I'm looking to transfer £3004 from my vitgin money card where the 0% deal has just expired :( But I'm after low minimum payments i.e. 1% of balance. Any recommendations Thanks.
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Unrecognised Credit Card Account on Credit Report
Hi I was checking my credit report recently as I was declined for a 0% balance transfer card (Tesco) and noticed a Bank of Scotland Preference Account credit card on my report, open since 2006 with a £500 limit, but nothing ever used. I had absolutely no knowledge of this account and I contacted the bank to query this.…
