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Credit cards

Archives for April 2013

Balance Transfer
Hey Quick question, i'm 25 have an ok job and was wanting to sort my finances out, I have a Barclay Card Gold card - Balance £2700 and an AMEX Platinum CB Credit Card - Balance £500 I was going to transfer these to the Tesco Club Card Credit Card with 0% Balance transfer offer and then make payments of £150 a month to get…
Which Card To Pay Off
I have 4 credit cards, yup I know!! I have two which i'm paying off first, one is a Barclaycard which was 1250 on @ 29% APR the other is Capital one which is at £500. The capital one is 0% for 4 more months. Which is best to pay of first, after the 0% deal is over it goes to 34.9% APR. Thanks in advance. Michael
Go over the limit - effect on my credit file ??
It just happened that I went over the limit of my credit card for a bot 5 days and I got fine of £12. This is the first time happen to me after having credit card of over ten years. As soon as I realize it i did faster payment and just check it today, my FP went through it and I am now under the limit. I am not worried…
Paying off which cards will improve credit rating quickest?
I suddenly have a bit of cash available to pay off some of my credit card debt and my first thought was to pay off the one with the highest interest rate. But now im thinking that rather than pay off one big card balance I may improve my credit rating more by paying off a couple of the smaller ones? Ive looked at my…
which day is balance calculated?
I have a cashback credit card, which i use only for petrol and pay off in full each month. (well,i've only had it 2 months) but which day/balance is used for the payment? my direct debit goes out on the 12th of the month, is it the balance on that day that gets paid, or the balance on the statement day? hope that makes…
Credit Reports and Minimum Payments
I just had a look at my latest Credit Report and noticed for my credit card they have each month a figure for credit limit, balance and payment amount. There is also an indicator for the minimum payment. For one of my credit cards I pay the minimum amount by direct debit each month. For the other one I pay it manually but…
Cashbak and free foreign xchange
Anyone know of any cards that give cashback and commission free foreign exchange? After years of loving use my Coop TravelCard has now decided to charge commission fees, which completely negate the 1% cashback I to get. As regular (fortnightly) overseas traveller it used to be great. If not will have to use the Halifax one…
How soon will be credit file be updated if I cancel a card?
Hi, I have about £20,000 credit and using £10,000. I wish to cancel a card with £3,000 as there are no promotions on it, then open another one elsewhere and transfer between £3,000 to £,3,500 in May or maybe by August. If I cancel the card with £3,000 now, will it increase my chances of getting credit elsewhere and how…
BarclayCard ratejack
Hi , im frustrated, today i have received a letter from Barclaycard stating that my interest rate on my credit card is jumping from 22.9% to 25.9% ! i have been paying off the minimum on my card account and has been getting lower and not missed a payment and now they want to do this to me and have more interest! It states…
Credit card help!
Looking to take out a credit card just in case I should ever need it and in some cases, to help me get by every month I've looked online and I don't make over 10k a year :( Does anyone know of any that offer to people making less than this, won't charge me if I pay it off in full at end of month and also won't charge me if…
Credit card transaction
I recently ordered something online for delivery to a store to collect but my order was lost on the delivery and I was completely messed around, being made to travel to the store three times (which is over 15 miles away) to find that it wasn't there, even though they had rung me and text me to tell me it was. so I was…
Barclaycard Platinum Balance Transfer - Question on 90% limit
I recently received the above card with £5k limit. I understand that the maximum BT I could do is £4,500 with zero % int for 25 months. However before I do the BT next month (as I have 1 last month remaining on previous card) - I spent £500 on this Barclaycard (as it has 6 months 0 % on purchases) The problem now is that…
Card card REFUSED HELP
I have been refused a credit card but I don’t know why I have never taken out a mortgage until November of 2012 andbrought a property to let. My current property is mortgage free. I used to be offered credit cards every week but I refusedthem This made me wonder so downloaded my credit report from Experian.It shows I have…
Non-Sterling Transaction fees
I'm not sure if this is the right place to post this question but recently I have noticed I have been charged for making online purchases that are not in sterling. All my credit cards seem to have this fee, with this in mind what's the best way to avoid having to pay this fee? Would purchasing non-sterling items with…
Advice needed! Over credit limit & being charged
Hello there, I really need some advice as trawling endless website isn't really helping! Hoping one of you / some of you can help even a little bit. I have a Barclaycard (sadly) and have been over my credit limit for some time. Current balance is aroud £2050. I have set-up a monthly £50 payment but new activity / charges…
Charges for being over credit limit - Capital One
Hi I am over my limit in my capital one credit card and I will not be able to pay this for another month. What charges will they apply to me? And is it a one off charge? Or will they apply it a few times until its paid
Search on Equifax credit Report
There is no category for this so have posted on a few topics - I had an alert today on my credit report in the second table search. Capita Employee Benefits Ltd - Beneficiary Trace does anyone know what this is as I have not agreed to this company does this search. I spoke to Equifax and they could not give me any…
Extreamly bad credit rebuilding pointers
hi guys, long time lurker first time poster. credit rebuilding, 6 months ago my experian credit score was a dismal 152 after a little work i now have it upto 457 but i seem to have stalled at 457 so im just looking for help in moving forward. ok im 28 now but when i was a lad i wasnt brilliant when it came to money. im…
As a student, where to put as residence and what to put as income?
Hi, I've had a look for the solutions to these but can't seem to find much, am hoping someone can give me a clear answer, though I'm happy to just contact banks if that's what's necessary. I'm looking into getting a credit card, however obviously most ask for income and address. I have rented the same student house for 2.5…
Aqua acceptance or not
I am new to this but think this is best place to ask a question about Aqua acceptance. Having been trying to improve my credit rating I have had a RISE credit card for 7 months now paying on time. I thought I would try to get an Aqua Advance card and close the RISE card because it will not allow increases in credit limit…

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Credit cards

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