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credit limit on new cc not enough
I've applied for a new 0% bt card to shift cc debt as current 0% is coming to an end. Ideally I'd like to shift 5k, but the limit I've been given is only 3k. When would be a suitable time to apply for another card?
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Selecting specific balances to balance transfer
Hi, Apologies if this is the wrong place to ask this but here goes... I have a credit card which has two separate balances on it. Balance 1 was part of a 0% interest deal which i took advantage of and i do not wish to do anything with this as it is 0% for quite some time Balance 2 is accruing interest and i am thinking of…
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Any experience with the Experian Credit matcher?
Or any other pre-application checks? I've used the Experian free credit matcher and score tool, I score quite highly on 'good'. It suggests I have a 90% chance of getting any of the Barclays cards, although was specifically looking at the Freedom rewards one (I currently have an old £500 student credit card I want to close…
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Nationwide soft search.... see result early?
There have been a few threads on here (including from me) about how 'useless' the Nationwide Credit Card soft check is - for example if you're offered £500 @ 19.9% it's probably a decline, if you are offered higher, it may be an accept. I've routinely been offered £1,650 @ 19.9%, only to be declined on a full check. I knew…
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Tesco credit card balance transfer, what are the chances of them saying 'yes'?
Hiya. I've got a pretty poor credit rating and I'm waiting for a couple of paid CCJ's to fall off, one should go this year, one next year (both were for water (£189 and £320) after I lost my job but have been paid in full), and there's 2 late payments for O2 which are 3.5 years old. Other than this, I've kept up with…
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Unused credit on single card effect credit score?
Hi All, I'm 26 and trying to build up my credit score, I've just been accepted for my first credit card with a credit limit of £3900 a month. There is no way I will be spending that much, am I likely to only spend between £200/300 a month on it. I've read that having lots of unused credit (in the form of lots of unused…
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Barclaycard increase time frame please read!
Hello guys. Please be gentle this is my first post I have tried to search for the answer but came as a blank. I have had a barclaycard for around the 4 year mark no late payment to or been over my limit....before Christmas (7th October) I requested a credit limit increase which was approved straight away. I have cleared…
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Creation 12.9% apr
Had a couple of emails now off creation. They're basicly saying they review your account reguarly blah blah. They also said they could also look at reviwing your Apr. Has anyone got a lower Apr than 12.9% on their everyday card.
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Clarity card cash back
I thought Halifax clarity cash back reward stopped a while ago. I've checked on my online banking which I do regularly to see I got a reward of £5 as cashback for an October payment.
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Can you be charged extra based on the exchange rate?
It's a carry on from my other thread but as someone may wonder this in the future i thought i'd ask in a standalone thread. This could apply to any website, country etc but i'll give you the information for my case: Website used: https://www.pdmgames.co.uk/ Item bought:…
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AA Card
The AA have wrote to ask me for certified copies of 4 different types of ID as a part of a credit card application I made (on top of me emailing a copy of my driving license during the initial online application). Is that a standard anti-money laundering process for them, or don't they like me for some reason?
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MSE News: Halifax unveils joint-longest balance transfer card and longest fee-free...
High street bank Halifax has today launched two new best-buy balance transfer credit cards...Read the full story: 'Halifax unveils joint-longest balance transfer card and longest fee-free deal' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New…
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Moving car loan to 0% Virgin deal
Hi, I noticed through MSE that Virgin are doing some great deals on 0% money transfer and 0% fee, for 24 months or a really small fee for longer duration. From next month I will be debt free apart from a mortgage(ages left) and car loan ( ARO £11K with 8.9% interest rate). I will have just paid off a last credit card that…
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Pockit prepaid card, Any good for euro or $?
I belong to a few forums and subscribe to some, UK sites no problem although one major one i use handed over the running to some foreign firm and its gone downhill since. Not happy about using my credit or debit card, I know i will be covered but do not want the hassle of having to get new cards etc. Looking at getting a…
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Credit Cards - IVA advice
Hi everyone, I'm hoping someone may be able to shed a bit of light on IVA's for me. Il try to keep it brief... A few years back I had a couple of credit cards (between the two, the balances amount to about 8k). I then switched careers and my income was lower than it previously had been so no surprises - I couldn't keep up…
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Is this fraud?
Hello Any advice is appreciated. About 12 years ago I applied for a capital one card and had my mother as an additional card holder, I didn't ever use the card and she has always paid it. When I moved out I didn't update with my new address, I didn't even think about it as I never use or pay it. I have also married and…
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Cash Transfer: is interest incurred on remaining balance if paid in full
Credit Card cash transfer to bank account: When the 0% offer comes to an end and a balance of £3000 is stll outstanding and interest is being charged at the standard rate; Will interest be incurred on the whole amount which was initially tranfered to the bank account (£6000) or only incurred on the current outstanding…
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Credit card eligibility calculator 100%
Hi new on here just need some advice, I was pre approved 100% for the mbna o% offer but when I applied it says I need to wait 7-10 days for a decision???? Don't get it if it's 100% which is why I applied why am I having to wait for a decision. Any advice welcome as obviously I have now had a full credit check. Thanks
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whats best?
Well im 19, Looking to carry on getting a good credit rating. I currently have £200 Capital one secured card and £1050 MBNA started at £300 but within 2 months was asked if i wanted higher limit. Also have £2000 overdraft with natwest never used. Today decided to try for natwest reward credit card with a much lower apr of…
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Positive Balance on MBNA? Stoozing
I managed to get a 0% deal on balance transfers so transferred my MBNA balance + £2000. As such I now have a £2000 positive balance on my MBNA card. What is the best way to withdraw this? I'd like to close the account also but don't want it being refunded back to the new card? Thanks
