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How soon to apply for another mbna card?
Hi all, quick question. I recently applied for and successfully obtained an mbna fluid credit card. I applied for it because I needed to transfer a balance off my BOS credit card which currently sits at quite a high APR (23.9) and isn't long off finishing the 0% purchases period. My long term goal, ever since I started…
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Capital One Card Delivery Nightmare
I was approved on the 14th May, plenty of time for the card to arrive i thought for my business trip. Almost 3 weeks later, still no card or pin. Numerous phone calls and another card pin was sent Saturday. I need this card for Friday. This is my first dealing with capital one and it hasn't left a good impression. Anyone…
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Lloyds TSB Customer Service Email
As the title really, does anyone actually know of one? They don't list one on their website, just one of those bloody stupid boxes where you have to 'enter your question here' - has anyone ever actually found out what they wanted from one of those things? I am well aware that I could call them but my question is quite…
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money saving calculator
Hello everyone help needed have been using the calculator for all our cc debts and a few of our cards seem to be giving funny readings??? its a Lloyds cc Balance: £3,870 Interest 26.94% apr the satement says: 2% and £5 the minimum they are taking is £93.94 Un yet when I put that in to the calculator all the way upto £115…
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Amex June Offers Foursquare
Hi All, Does anybody know what the June offers on foursqaure for American express is? I have tried Google and the both sites I found still list the expired SpaceNK as the latest offer? Thanks,
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Refused Halifax Clarity CC - what now?
I applied for a Halifax Clarity CC and got refused. I have a perfect repayment history over the last 10 years on a mortgage and my current account with nationwide has no "black marks". I have lived at the same address for 20 years and I am on the electoral roll at this address. I already have a Halifax group CC (Bank of…
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Credit card surcharge by car retailer
After many weeks searching for a new car, we have settled on a Golf from a VW dealership. I have a balance of £5,000 after part-exing my old car, which I will be using my interest free credit card for instead of a loan. The dealership tell me there's a 1.5% surcharge for this (£75). Surely this is 'excessive' which is what…
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Orange Card
Is this legal, Orange card did not renew card when it expired. When it was chased up they said that there would be a £5.00 charge as the card was not used 2 months prior to the expiry date. This was a condition when the card was taken out. They have taken £5.00 of the amount on the new card. Is there anything that can do…
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Need a non Amex credit card-recommendations
Hello, I have an amex gold rewards card. I use it in any place that accepts it without a fee. I have now decided to apply for another card to use in places that dont accept american express so that I dont have to use my debit card. Any recommendations? I have looked at the Hhonors, barclaycard cashback card and amazon card…
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Very confused.. which credit card??
I have never had a credit card, always found the concept scary, but think I may be missing a trick as the cash back concept seems a good reason. But I find it all very confusing, I think I want too much.. Id like a cash back card that will automatically direct debit to clear each month, I would also like a card to save us…
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MBNA - Financial Ombudsman
Hi, I've had an MBNA card since January, my first statement came in February. Upon opening the account I used a couple of money transfers but have not since used it for anything else. Upon receiving my first statement paid the minimum amount a couple of days after, which happened to be February 18th. I set regular standing…
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Job on Credit Card Application
Hello, A few months ago I got a credit card while saying I was unemployed as technically I hadn't worked for the company in a few months and I really couldn't be bothered to find the relevant details although now I have gone back to work for them and I am planning on reapplying for a card I got declined for (you're…
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Vanquis reached credit limit card declined
So annoyed with myself. Checked my card yesterday and had about £280 to spend. Spent quite a bit shopping on clothes the last two days and then I go to pay for a latte at Starbucks and the card gets declined. So I log in and it says 0.00 available to spend. So what does that mean? I used the card earlier that day a few…
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Clearing overdraft with credit card
Is it possible to use a credit card to clear a Lloyds TSB overdraft and if so how (presumably I would have to call Lloyds and do it by phone ?). Once the balance is on the credit card I have no problem with the balance but I need to clear the overdraft first. Thanks
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Auto-payoff
Hello, I've recently started using my credit card, it's my first credit card and I've always been a bit unsure about them but I took the plunge! Hopefully it'll help me get a good credit rating. I have a question though, I want to set it up so it automatically gets payed off at the end of each month, I don't know how to do…
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What credit cards would I be eligible for?
I'm a 20-year-old student about to start a work placement year with a salary around £16,000. So far I have only had one credit card: the student MasterCard that came with my student bank account. I would love to have an AMEX or some other kind of cashback/rewards card, but I don't want to apply only to get rejected and…
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requesting lower interest rate
I have read online about people ringing their card provider and requesting lower interest rates on cards. My m-in-law is paying a high interest rate 29.95% (thanks to those who worked it out for me). Has anyone on here done this? Any tips to share? Thanks
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Understanding interest rates
I am a little confused about the interest rate on my mother in laws card. It says the monthly rate is 2.2071%. For the APR is it 12 times this?
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Fluid card payment date
I recently got a fluid card, I have looked but I cant find when direct debit payments are taken. Does anybody know?
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Halifax credit card ,,done a silly mistake...
Hi not sure of my answer so I thought I would see if you nice people over here might be able to help me..... I thought the 0% runs out in the end of June but it run out 31 st of may.... Had £800 left on it ....anyway paid it all of in full today 2 nd of June... So my question is will I only can charges interest on the £800…
