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MBNA interest and minimum payment
Hi all, Sorry if this question sounds stupid but it has been bugging me. I have an MBNA credit card and has noticed that their minimum payment and interest rate changes each month even though I am now not spending on the card. For example; My interest in March 13 on a balance of £3366.77 was £44.68 and minimum payment was…
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lost job, do I need to tell credit card people?
Hi, I lost my job a while ago, was just wanting to switch to the amex with out an annual fee as I doubt I'll be spending over 2k a year on it. However I don,t qualify to apply for the non fee card as I don't have a job. Shoud I tell them I dont have a job? I probably will average over 20k over the year what are the…
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Which credit cards give you the credit limit at the point of application?
I know the Tesco Credit Card gives you the credit limit as soon as accept your online application, however I know that others wait until you actually receive the card before telling you. So which credit card companies tell you the credit limit straight away?
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Barclaycard Registration -Online Banking An Impossibility!!!!
Hi everyone Has anybody out there with a Barclaycard Credit Card having/or had a serious problem registering for Online Banking in order to keep track of their credit card transactions etc????? I have tried COUNTLESS times, phoning them, without any success and so resorted to contacting The Financial Ombudsman, which was…
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Halifax credit card help
Hello! I recently raised a complaint with Halifax and just wanted to know if anyone could help! Basically,I took out a credit card with Halifax about 5 years ago and maxed out the limit which was £1500.i then paid of the majority and cut up the card and have been paying the minimum payments each month which the Halifax…
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Consolidation of credit card, loan & overdraft
Hi I have a:- 1) Halifax `Mastercard` credit card (12.9% APR) with £1000 outstanding (but with a max permissable credit limit of up to £5800). 2) Halifax loan of £1000 (duration of term 12 months, with £95 monthly repayments). 3) Halifax Ultimate Reward current account with an outstanding overdraft of around £1000 (max…
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United Airlines Amex / Visa with MBNA
Has anyone tried the United Credit Card yet? I had a Virgin card with MBNA a number of years ago and they were ok but have not used them recently. I get the occasional mailing from United about the account with bonus points and am tempted. I've been put off with the currency loading as the US version doesn't have any and…
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0% balance transfer question
Hi i wonder if anyone can help, i am looking to make a 0% balance transfer onto my mbna mastercard, this card currently has a £300 balance, my question is, will my payments pay off the 0% first or will it go to the existing debt? thanks.
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Consolidation of credit card, loan & overdraft
Hi I have a:- 1) Halifax `Mastercard` credit card (12.9% APR) with £1000 outstanding (but with a max permissable credit limit of up to £5800). 2) Halifax loan of £1000 (duration of term 12 months, with £95 monthly repayments). 3) Halifax Ultimate Reward current account with an outstanding overdraft of around £1000 (max…
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Direct Debit payment query
OK, i've had credit cards for years and i've never set up a direct debit until now. It's set up to pay the full statement balance each month, I received my statement and payment will be taken on the 14th for the full statment balance. I have now received a refund for an item purchased in that statement period, will this be…
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Comet Edge Card / Santander Cards
Hi, I bought a PC on credit from Comet a few years back. They set me up with a Comet Edge card and payments of £28 have been coming out since. When Comet went into administration this converted to Santander Cards who carried on taking payments. My statement last month showed that £153 was still owed, however this months…
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balance transfer fees..
Hi folks, can anyone advise please. My husband made 2 balance transfers onto a tesco bonus credit card to take advantage of a 0% deal. Obviously there were fees for the transfer, which is fine. He has received his latest statement and tesco have added the transfer fees onto the minimum repayment for the balance, so whereas…
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How to pay off cc when high APR and poor credit
Hi first post here. Recently discovered the site and must say it's already been very useful. Anyway I'm mid 20's and got a cc with a current balance of £1000 with apr of 34%. Job isn't exactly high paying so with other bills, debts and board to pay I'm struggling with the credit card as any money I do pay is swallowed up…
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Airline CC
Hi Just looking for a little advice, I've just been looking at articles on airline credit cards and looking at what they offer, I'm thinking it could be 10 years before I was able to get enough points to have enough for a flight. What is everyone's experience of these? If I were to get one I'd be after a card with no fee,…
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further information about 0% credit card
Hello everyone I came across interest free cc that allow you to make purchases and if give you a period of time interest free, so if you pay within that time then you don't pay any interest. So lets say I get the tesco card with 18 moth 0% free, I make a purchase of 10,000£ if I pay £100 every month for 17 months and then…
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credit card fraud
My husband has been the victim of a credit card fraud. Barclay card phoned to tell him that there had been suspicious transactions with his card and they did turn out to be fraudalent. He has phoned and written to Barclay card and has been told that he would not have to pay for those transactions and would be sent a form…
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"self employed" balance transfer cc - denied?
Wondering if anyone can point me in the right direction. I tried to obtain a nationwide balance transfer credit card but got offered a £1000 limit and then it denied me at the end. I am a self employed contractor and always put self employed and my home address as my work address. My gross salary is the equivalent of £100k…
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Tranferring my credit card balance...
I filled in the Nationwide application form - it states that the maximum credit limit is £3500 - does that also mean that is the maximum amount I can transfer in to it?
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Cashback Credit Card
I am trying to pay for as much as I can on my cash back CC to earn a few more pennies! Is is possible to pay for utilities (i.e. gas and electric bills) on a credit card? I don't pay utilities by DD as I cannot stand how they up your payment to way more than you would ordinarily use. I therefore receive a quarterly bill…
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Warning about Match.com
I was a member of match.com but cancelled automatic re -billing back in January. They have gone ahead and charged my another £59 anyway. They refuse to refund it, so I am having to raise a dispute with the credit card company. I have also had to completely cancel my card ( to prevent any future charges from match ). They…
