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help needed on balance transfer card.
Hi all, Heres my predictament My cars fiance deal ends in march to buy the car i have a final payment to purchase the car. This is £ 3500 i will have saved £2300ish. Can i take out a balance transfer card, transfer £1200 to my bank so i have enough money to buy the car or can you only transfer money to pay off a card.…
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declined for aqua card, what to do next?
Hi all, I got a copy of my experian report and it came back as fair, somewhere around 800 points. I'm 23, full time employed and I had a handfull of things a few years ago I didn't repay, so I thought the best step towards repairing my damaged record would be one of these bottom end of the market aqua cards and spend…
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re-amex foursquare harvey nics
Hi guys, is Amex still doing Harvey Nics Foursquare deal, ? Spend £50, get £25 back, or other. OH wants a dress for a wedding.:beer:
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Apply for Vanquis card?
I am trying to improve my credit rating by using a Capitol One card which I have had for 6 months, paying off full by DD each month. I have just received a letter/application form from Vanquis saying I had been chosen to apply. Should I do it? Is it good to run two cards to improve credit rating? Thanks.
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Credit cards, credit reports and credit ratings
Hello all :) I currently have three credit cards: Barclaycard, limit £2900, just transfered money off so nothing on it Capital One, limit £1000, nothing on it, MBNA, limit £3500, just transfered £1000 onto it (15 months 0% interest) Plan is to set up a weekly (i get paid weekly) payment onto the MBNA card of £not-much so…
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What credit card for..
Hi, I'm looking into paying off some debts that I have, such as Very, Next, an old phone bill and some other monthly direct debits that tie us down and was wondering what credit card would be best for this. Would the credit card payments be classed as a balance transfer or purchase or something else? Any other tips…
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Top CB - Vanquis CC
Has anyone seen the Top Cash back Vanquis Deal ? £31.31 for applying and being accepted. More importantly, has anyone taken up this deal ? Thinking of doing it - Not really interested in the CC due to the interest, although the Cash back on the CC does seem worth it. For anyone that cringes at the interest (Including me)…
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need free way of contacting capital one credit card
:jhi, does anyone know if there is a free way of contacting capital one credit card? i got my online password wrong and so my a/c is blocked. to unblock it means calling a costly 0844 number which i cannot afford. capital 1 does not offer to call u back. thanks in advance. :cool:
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AMEX Cashback Card
I have an AMEX cashback card, my has an additional card on the account. I was maybe looking to cancel it anyway but was wondering perhaps if she applied for a new account whether we would be accepted and get the 5% promotional cashback deal? Anyone know?
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Paying off credit card with another
Hello, I'm trying to pay my barclaycard off with a virgin credit card, but it wont let me. Any ideas?
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Paying Off Credit Card Debt
I have about £2000 on a credit card that is now out of the initial interest free period. Obviously each monthly payment I now make has a percentage of interest so not all of the money I pay actually comes off the balance. I am going to pay this card off in about 3 maybe 4 installments however what I wanted to check was if…
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Unsure which card is best
Hi, I'm confused by the sheer volume of credit cards available and so am looking for some help narrow it down. At the moment I use a standard bank credit card which has no perks and I'm looking to get something that will either get me good points or else cashback. I normally spend about 500/month on fuel and various other…
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Intrest free managed loan effect credit rating.
I applied for a mortgage to be told I failed the credit score. The only thing I can think of is about 5 years ago I consolidated credit cards, overdrafts and personal loan with the HSBC. (I never missed a payment back then or now.) Financially I am fine now though still pay £64 a month on managed loan. Or could it be a…
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Time to do something about my credit card debt!
I have three credit cards. All are maxed (expect for some new credit which Barclaycard put on). I maxed them at a time when they had 0% on them. Now it's (probably) run out. I have no idea where I am with them or even how much I'm meant to be paying back (monthly, or in total). It's time to grow up and do something about…
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Exchange rate if in credit?
Was going to apply for new CC for using abroad. As i have paid off my current CC but forgot to stop Direct Debit (for paying it off). I am now in Credit over £100. Should i just get a refund & apply for best exchange rate CC or b/. Continue my direct debit & have about £400 already on card as credit before I go. Will that…
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Cash withdrawel and then balance transfer
Is there any reason why I cannot do the following please? Can I withraw cash using one credit card and then transfer the balance to a 0% balance transfer card. I mean this in the legal/operational sense rather than in a good practice sense. Thanks
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How to improve credit rating?
My circumstances before had me using credit cards for purchases that I struggled to pay off for around 4 years . I ran a credit report with Experian in May 2012 and it showed my score as fair with one of the negative points that I was not on the electoral roll. Around July I got my parents to pay off the £2500 balance and…
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Need help with BMI Credit Card and AVIOS points
Hi all, I signed up to the BMI credit card from MBNA to get that 20,000 free AVIOS points offer. When I log into my account on MBNA (which redirects to bankcardservices) I can see the points I earned each month in my statement for that month (e.g. I can see the 20,000 points in my October statement). My question is: how do…
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Bank and credit card
Just wanted to ask I have been put under pressure by the bank to repay some arrears on a property loan or they will demand payment of the full amount. It has to be paid by 18th Feb is it possible to pay it on a credit card? any advice or help is much appreciated as I am at my witts end!
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Can I pay on my credit card without a card reader?
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