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Credit cards

Archives for March 2013

0% interest credit card help needed
Hi I'm looking to apply for a 0% interest credit card before my current 0% card runs out next month. Am I best settling my current balance before making a new credit card application? I've already checked my credit report/score. Score is 'excellent', but I worry that the council have not yet registered me on the electoral…
Credit Card Limit
please delete this.
Capital one Secured Card Increase limit
Hi, I have Capital one Secured Card for two months now. I'd like to know if is possible to increase the limit or do i have to change a credit card(upgrade to a different one)? I don't need an increase for now i was just wondering. Waiting for your responses.
Spurious double charging of interest on Cahoot CC statement.
Hi all, I've recently paid a chunk off my Cahoot card and am using it again and clearing as much balance as possible every month. The card is never over limit and never had a late payment, the interest rate is the same as it always has been at 13.95%. I've not used it for any cash advance, currently the balance at…
Debit card details stolen when booking online?
I had a phone call from my bank this morning, saying that there had been suspicious activity on my account. Rather than give security details over the phone - I had no way of knowing whether the call was kosher or not - I phoned the customer services number on the back of my debit card. The bank had declined an online…
capital one refusal
Hello When I was young i was a naughty boy and didn't pay my bills (contracts, catalogs, etc) now I've got older I'm regretting it big time. I can't get anything on credit now, so I thought I would get a credit card and start using it to build up a good reputation but I got declined So where do I go from here? Do I get a…
Experian Credit Report
Hi, I'm currently looking into applying for a mortgage, and so I got hold of my Experian credit report to check out how I'm doing before I put the application in. My credit score is apparently good (949), but none of my current credit cards or my car loan etc are showing up. Nothing seems to be showing up at all. I have…
Tesco Credit Card
Hi, I have applied for the Tesco balance transfer card and been accepted but the limit is half of what I need to transfer. I have not received the card or paperwork yet with it being easter weekend but I was wondering if they sometimes give you a different limit to the one shown when you apply as thats what happened with…
Visa Electron card - impact on application for a credit card?
None, I would have thought, until reading this in yesterday's Guardian: http://www.guardian.co.uk/money/blog/2013/mar/30/money-saving-tips-sting The writer was initially rejected when applying for a Halifax Clarity MasterCard because he already had a Halifax Visa Electron card! Like him, I got mine in an attempt to avoid…
charging a house?
Hi there, I am a UK expat and it is really difficult for expats to get mortgages loans etc etc... the problem is that I want to buy a house. I have seen a few houses online and I could afford them by combining 80% cash and 20% credit card charge. Do you think it would be possible to pay for a house like this? Sorry if this…
American Express Nectar Card UK payment
Good morning everyone! Just have a small query regarding payment of my AMEX UK Nectar card bill. I access my statements from the AMEX site, and would like to pay it by online bank transfer as well, but I cannot find any bank details on the site or on the online statement. Could someone advise me if they are aware of their…
Amex Plat Cashback Card - Payment of CB
Just had a quick look at the T&Cs for this card and it seems that you loose all cashback if you cancel your account. As I understand it this means that you must have the card open for at least a year - and therefore pay 2 x annual fees of £25) in order to receive any cash back. So, two questions: 1) Have I understood this…
Question about the Santander 123 credit card
Hey guys, I've just been accepted by santander for the 123 cashback card. When I activated the card by phone, I asked the advisor when the normal payment due date was. She said it was the 7th of every month. I then asked when are statements usually sent out. She said 3-4 weeks before that date but she wouldn't give be an…
Saga Platinum Credit Card Beware
Whilst Saga is one of the cheapest cards to use abroad users should be aware of a major problem if the card is lost or stollen. I was mugged and the card taken on day 4 of a 30 day trip. Saga will only send a replacement card by surface mail to an address provided to them by fax (they gave me the wrong no). As they refuse…
Tesco Credit Card
Hello I am new to this - I have applied for a tesco credit card, and they said that the application was successful in principal and paperwork is on its way - I have never had a credit card before so does this mean its not necessarily accepted although they have already ran the credit check?
Pay off in full or monthly to improve credit rating?
Hi all, Some time ago I got a credit card out to build my credit report up as it was quite poor. Then unfortunately lost my job not long after so couldn't afford the repayments. Now i'm back on my feet with a job etc, i'm paying off £20 a month to it now, would it be better, for my credit rating to continue paying it off…
Paying off debt
I have run up a bit of debt on my credit card and want to know which is the better option. I owe about £6000 on a card with about 20% interest and can't get a balance transfer at the moment. If I have £1000 to play with a month but need about half that to buy food etc, is it better to pay £1000 off each month and then…
£4000 credit card dept, poor credit cant transfer
Hi everyone, i owe £4000 on my credit card, they are charging me £75 each month for interest. I would like to transfer to another credit card with a long interest free period so i can pay off the debt instead but i have just been turned down by the tesco credit card that offers 25 months at 0%. I have just checked my…
Closing off credit cards
Hi there, I'm looking to go ahead with finance on a new car shortly and I always get a bit nervous when going ahead with it. I have only 1 credit card and a small loan active at the moment but I do have 3 credit cards which are empty still open. Is it worth me cancelling them off? Does is affect my chances in any way?
Credit Card with 0% on Purchases
I don't have a credit card at the moment (well I probably do somewhere, but don't use them at all). But I want to decorate my girls' bedroom this summer and just wondered what would be the best way to finance it. I don't really do debt, but this time I might have to as I have two weeks in August when girls will be with…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
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
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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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
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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.

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Credit cards

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