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0% balance transfers
Hello Me and my husband are retired and would like to pay off a John Lewis store card - which is in my name - can we apply for a O% balance transfer card in our joint name? Thanks.
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Credit limit increased twice this year
I got a letter last week indicating that my credit limit will increase from next month. Not complaining about an increase by the way. I had an increase earlier this year already. During this year, three of my monthly payments is above £1000+, due to big purchases. Would this trigger the second increase? Normally it would…
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reasons for declined application? advice appreciated
I would appreciate some advice on a recent rejection for a Halifax credit card. I have been transferring balances for a few years now. I have fairly high income and over the last few years have been accepted for MBNA and barclaycard credit cards both on long 0% deals and with high limits of £15000 and £18000 respectively.…
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Lloyds Credit Card 0% on purchases error
Hi, I've transitioned between 2 different credit cards over the last couple of months and Lloyds have continually messed it up (for which they've compensated me for and I am now satisfied). However, they seem to have accidently given me 12 months of purchases at 0%. It says I have 0% on my statement, and when I mentioned…
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Amex credit card application (docs needed)
Hopefully someone can help me... I have just had a response from an Amex CC application from a few days ago and they have asked for a "certified" copy of my passport or DL as well as an original utility bill, I've got my passport page printed off, anyone know what they mean by certified? Also, I'm paperless billing for…
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Credit Card Debt help Needed Please
Hi Sadly my Daughter has got into quite a pickle with 2 cards, We tried to get a new card with 0% tr balance , but she got turned down, we did it with another one that got turned down as well, she also tried to get a loan to pay them off as well so we were told not to keep on trying as it affects your credit rating, does…
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Credit Card HELP NEEDED
Hi guys, Please can you help me out. I took out a credit card with Tesco in November 2013, 18 months interest free on purchases, so this expires in May 2015. My limit is £1250 and i'm slowly paying back about £100 a month, but due to financial problems, using the credit card a lot so I anticipate the credit balance to be…
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Balance transfer advice...
I currently have the following debt on cards which I plan to fully pay off early next year when I sell my house;- Santander 123 Credit Card: £2,500 DEBT Cooperative Bank: £1500 DEBT I would like to transfer the balance from both of these cards onto one 0% balance transfer card (doesn't need to be ridiculously long as they…
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Part payment on credit card with section 75 cover
I have read this article: http://www.moneysavingexpert.com/shopping/section75-protect-your-purchases I vaguely recall watching a TV show a while back with Martin Lewis where he mentioned that the part payment on the credit card only needed to be £1 (remaining balance using some other payment method) to be covered by…
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Credit card or Chrismas Savings?
Hi All, I was hoping you could all help me with what my best option is as I am rubbish at this! I have a Halifax MasterCard which has a limit of £550 and is currently at £482.00. My minimum payment is about £25 at the moment. The interest rate is 27.95%. But I want to start saving for Christmas so that it is not a big hit…
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Offer to pay 10% to close my account
Hi there, I got a letter in the post yesterday from Cabot offering me to pay 10% of the credit card that I had with them to close the account. I noticed on my credit file that there is nothing at all on there with this debt. Its an old debt which is probably why its been removed from my credit file. Is it worth taking them…
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Should I cancel my credit cards?
Hi all, I have two Halifax credit cards which I had been using regularly but I know have a Santander card with 0% on purchases for 19 months. Should I cancel my two Halifax cards? I seem to remember reading that having credit cards that you aren't actively using can be harmful towards your credit score/rating? Thanks
