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Bit confused
Just wondering if someone could explain this for me. I have a 0% credit card with MBNA. It's 0% on BT's until Feb '08. I do buy odd bits on the card and I know that they've been charging interest on my purchases since the initial 3 month period. I've always made sure I've paid off more than I've spent the previous month…
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pre paid credit cards
Can anyone recommend a pre pay credit card?
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Westcot Criedt Services
[IMG]file:///C:/DOCUME%7E1/User/LOCALS%7E1/Temp/moz-screenshot.jpg[/IMG]I have a debt which i owe to british gas i recived a letter around march 15th ' 07 from hatchers lawyers requesting payment i ignored that up to now then i recived a call from westcot creidt services around 2 weeks ago they started calling i ignored…
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Refund of product fixed service charge
A high street bank has agreed to refund 5 years charges. This is for a product sold by the bank for a monthly fixed fee, and applies to a specific account. The letter of acceptance has been signed and returned. I now await the funds to be paid. All details will be posted here once the refund is completed in full, into the…
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Tart alert
Hi Everybody I'm trying to use Martin's Tart Alert facility but there seems to be a problem. When I click after entering my details to access the facility, it's telling me to 'enter a date at least six weeks from now' which I am already doing. The date I'm entering is months from now and I am entering it in the correct…
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Balance transfer by way of cash withdrawal?
I want to pay off a cahoot flex loan with a BT to a credit card, but the &more card doesn't do it and I'm too scared to apply for another card (on a very low income right now and although no defaults etc I'm just very wary). I looked at the Egg Money card but am too scared to apply. Could I buy sterling travellers cheques…
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I Need Your Help!
Hwdi guys and gals. :) Right, I'm after a 0% credit card. I've currently got £5,207.33 on credit cards as below. Morgan Stanley (Limit - £1,915) 5.9% - £1,585.63 American Express (Limit - £2,900) 4.9% - £2,166.86 Barclaycard (Limit - £1,750) 4.9% - £1,454.84 I also have a Capital One Platinum card and an Egg Green card but…
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Card and Payment Protection
Hello everyone, I have a quick question to do with card and payment protection, Im 21 and about to apply for my 1st credit card, as im starting a full time job. the cards im looking at are natwest ones, as thats the bank im with, but looking at the details I find they charge: Card protection at £20 pa (Per annum) and…
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Need low repayment 0% Card
Hi, I have been using a Virgin mastercard for a balance I am kinding of sitting on as I am concentrating on paying off more expensive debts. The 9months is almost up so I need another 0% card. It needs to be one with a low min repayment. The virgin card was only £5 per month min payment, although I now believe other MBNA…
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credit affected by previous owner of house?
is it true i can be affected by the bad debts of a previous owner of my house. if so that may be why ive been declined for 2 credit cards and one debit. also i would like to know if this cycle of decline from credit card companies would affect my credit rating. i applied for the credit cards over 12months apart. p.p.s the…
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Student Barclaycard Application - Shall I sign up? Any catches?
Turned 18 recently and have a bank account with Barclays, so, thought I should apply for their Student credit card. Most CC want you to have a job but this one seems ok for someone like me who is going to Uni and hasnt got a job atm that is but expecting to start in the next few weeks. Any other good cards out there for me…
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Reducing CC Interest
Hi guys, Wondered if any of you would be able to give me some advice. I don't want to sound insensitive as I have read many posts on here and many people are in a far worse situation than I am. Have CC debts of around 10k. Ran half of them up when I was 18 and the other half a couple of years later at uni. Monthly min…
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Time barred Items on Credit File
I have a time barred item on my credit report the default is dated June 3rd 2001, Shouldn't this have rolled off? Why is it still there? More annoying it is incorrect and so does not show on Experian or Equifax just Call Credit (bank fixed that few years ago) I am applying for a job, the bank will do a check so will the…
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CPP Card Protection
I have had this firms card protection for 6 years. The renewal has just come in for 3 further years - £44. Do I actually need this, their literature goes on about if my CC are stolen I am liable for the first £50 each day before I report them stolen. Anyone know if this policy is a waste of time? Thanks and sorry if I've…
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Capital One 0% Interest For Life
Hi, A few years ago Capital One had an offer on there platinum card where they gave 0% interest on a balance transfer for life. I got the card during that offer but never used it, Although i know they are no longer doing the offer on new customers, Is my card still Valid for the 0% interest???
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declined??? but good credit score?????
ok so i applied for my credit card 12months ago and for some reason they declined i looked at my credit report and it had nothing on it that could cause them to say no.??? and my score was good so i appealed and they said i could have a credit card now recently i applied for a credit card to transfer my balance over and…
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Halifax's 0% on purchases for 12 months
Can someone help me out with this? http://www.halifax.co.uk/creditcards/one_12_months_td.asp?source=995083 The way I read this, this means that as along as you keep up your minimum payment each month, all purchases within 12 months are interest free for that period. However this bit make me not so sure: Maximum 59 days for…
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Best 0% card for internet banking
I need to open up a new 0% balance transfer credit card soon and was wondering if anyone had any recommendations for ones with good internet banking sites. I currently have Egg, HSBC and ING accounts all of which have really good internet banking services but I've just had to close my Debenhams card because their site was…
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Egg Card and Quidco
Just noticed on Quidco that EGG / Quidco are offering £35 for every succesful application of the card. Don't know if there is any conditions you have to meet but it doesn't say anything so is it an easy way for £35? Won't let me apply for wife at moment and still says I have an Egg card that I got rid of years ago.
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Balance Transfer Fee
Hi I am looking at the Buy & Fly mastercard mentioned on this site as being good for balance transfers as the 2% fee is limited to £50. My question is about the way the fee is calculated. If I have debts spread out over a number of cards and transfer them all to this card, I presume then I will be charged 2% for each…