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0% Money Transfer
Hi, I took out a 0% money transfer deal with a Virgin Money Card earlier this year where the 0% period ends in August 2018. I've been sent an e-mail offering me another 0% deal until June next year. Sorry if this is a stupid question but if I took out the second 0% deal does this mean I have to pay back the first lot of…
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When to make payment to avoid interest charge
I have been using a Tesco Clubcard mastercard with a 0% deal. This is due to end on June 26th. I plan to continue using it to gain club card points but I am trying to figure when to pay off the balance each month to avoid interest payments. I have just set up a direct debit to pay the 'statement balance'. The statement is…
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Yorkshire Bank Private Credit Card
Hi, Does anybody have one of these, if so, I'm interested to hear your experience of it, is it better than what other competitors can provide, etc? Benefits? Are the limits generally attractive? How has your RM been for you? Thanks Thomas
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Blance Transfer From Vanquis To Barclaycard
Hi, Can some please tell me how long does it take for a balance transfer from Vanquis to Barclaycard to clear, I just got a Barclaycard 0% transfer for 25 months and I transfered a balance from Aqua Card to Barclaycard which cleared in just two working days but its now 4 working days and the transfer to Vanquis still shows…
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Best way to get 0% loan
Hi all. I just got a 0% Halifax 27 month credit card. I'm looking to use it to part pay for a big purchase. The difficulty being that the place I'm looking to spend it doesn't take credit cards. Would it be still 0& to transfer money from this card to a current account and pay it using a debit card? If not, is there a way…
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Mbna
Do you think it's possible to ask for a credit limit increase or a 0% promotion offer on the 7.4% APR card I just got? As is, I would be using 95% of the credit limit to purchase one product, and it'll take 1-2 years to pay off. I rather not apply for another card just for the 0% promotion. I checked with my bank and…
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MBNA Junk Emails
Anyone getting fed up with MBNA's deluge of junk mail? "Your statement is ready" "A payment is due shortly" "Confirmation of payment received" "Your offers this month ...." I have three MBNA cards and I'm so plssed off with one of them that I've changed my email to a non-existent account, so that's sorted that one.…
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Halifax 0% fee free credit card with 50% eligibility approvel. Its it worth trying
Hi All On MSEs eligibility checker this Halifax 23 month 0% fee free card comes up at 50% chance of approval not great i know but thats the best % approval on a 0% Fee free credit card i can get. Is it worth a gamble. I have some debts on credit cards but i now have the funds to pay them off. But thought if i could get one…
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Barclaycard Lifetime Ban
Hello I held a Barclaycard which defaulted over seven years ago and the outstanding amount was £411. This is now disappeared from my Credit File and I have applied for a new card after been notified I had a 95% chance of been accepted for a new card. Barclaycard have just advised they hold onto past information even thou…
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MBNA 0% Deals For Existing Customers
Hi All, Just wondered if anyone knows if MBNA offer 0% deals to existing customers? I took out a card with them last year with 0% deal ending in December of this year. I have paid off the balance that I transferred and the balance is currently sitting at zero. I have called them serval times and they say no offers are…
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credit note not money back
hi,guys not sure where to post this question, purchased two pairs of boxing gloves for my son from sports direct, when i got home found one pair of gloves fitted better, returned the other pair of glove to sports direct,but they would only give me a credit note for the returned gloves, i wanted them to put the money back…
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0% purchases barclaycard
Anyone know where I can view the length of time I have to make 0% purchases. It was supposed to be 3 months, but I want to be sure. Can I view it on my online account? if so where? I do not believe i have been sent a credit agreement and cannot find it on my online account. Thanks Guys
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which cards pay you to keep you?
I tried to cancel my barclaycard and they credited my account with £20 to keep me as a customer. Just wondering if any other companies have a habit of doing the same?
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0845 number lloyds credit card
I had to call lloyds CC over a query on my statement. The phone number for customer services on the statement begins 0845, on phoning it you get a message stating that it's now 0345 number so redial. When I got through I asked why they do not change the number on their statement as I now will have been charged for two…
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Potentially great offer on my MBNA card, help me decide pls?
Hi, so will try keep this brief and concise. Debts: Overdraft limit £1500 - Currently 0%, but as of Sep 2016 will be charged a fee for being in it - I have £600 saved to put towards getting rid of this Barclaycard £1600 - This too begins charging monthly interest as of Sep 2016 MBNA £2670 - Limit was recently upped to…
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New to credit cards
Hi everyone. Forgive my naivety perhaps here but I'm a bit confused. I've just got a credit card to help boost my credit score which I've put a couple of small purchases on I can pay off no problem. The question I have is if I buy something bigger and I can't pay this off immediately but rather over a couple of months,…
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Halifax Taking DD
I have a Halifax MasterCard and have been paying the minimum monthly payment via DD, but I decided to make a payment on the credit card for £1000 about 2 months ago, since then Halifax hasn't taken any DD, but I still have a balance of £800 on the card. Is there any reason why they wouldn't keep taking the DD payment?…
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Need to apply for lower rate transfers, how to apply without damaging chances?
I run my own startup tech business, and I’ve built up £22k credit card debt funding it. There are potential investors, likely to come in 3-6 months from now, and it’s a viable business long term, but not ready for sales. I’ve always made (at least) minimum payments and on time, but the interest is £500 a month, which is…
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Advice please newbie
Hi just had a letter from the bank saying they sold our credit card to a debt collecter having no recollection of having a credit card we rang the bank, turns out it is ours from 2007 we have had no statements it's not on our online banking and we have twice been to bank manager about mortgages and they have never mention…
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Advice thoughts please
Hi all, I'm after advice please I have £6000 in bank after divorce. I have £3000 in a car loan at 12.7% 15 payments left of £187 pcm I have £2000 on first direct credit card 16.9% I have £745 left on a rescheduled loan 6.03% Would I be best paying off all of these in one go, be debt free, or would I be best just paying off…
