-
American Express 0% for life of balance rip off !
So in May Amex send me a letter stating i could balance transfer to their Blue card at 0% for the life of the balance subject to transfer fee. 'WOW' i thought - so i went for it. In June i get a letter saying 'Sorry it was a missprint' it should of read 0% for 6 months. As a gesture of goodwill they would waiver the…
-
Can anyone help with a default?
Hi, wonder if anyone can offer some advice here is the situation; My OH had a Capital One credit card which he fell behind with the payments due to late charges etc. He put a claim in for the charges on the account and settled for 1/2 back, whilst this was going on they issued a default notice which they then agreed to…
-
smart card application
the smart card application has to be done over the phone now, you canot apply online, wonder why they have done this.
-
BT & Credit Rating
I am coming to the end of a 0% c/c deal with just under £5k to transfer, and am hoping to either go for a fee free transfer or to the M+S more than LOB card. However when I look at my credit rating I'm just a little confused. I get a fairly good score with Equifax and Call Credit and then with Experian I am 200 points…
-
Credit charge as well as 2% BT fee ?
Hi, New to this but I've just been accepted for a Marbles card 0% for 12mths BT fee of 2% but have been charged £204.79 for credit (the credit limit is £2500 although I only want to transfer a total balance of £1350 from two cards). I'm a bit confused. I'm thinking I have two charges, is that right? One charge just for…
-
too many stickys?
is it just me or are there too mnay stickys on this sub forum? at least a page of scrolling before you can get to the latest posts.
-
Barclaycard RIP OFF!!!
Did you know that if you have money on your barclaycard credit card the lowest rate of intrest you get charged £1. So if you have a balance of 1 pence you get charged a £1. Then when intrest is above £1 then they can be bothered to work it out and charge you the exact amount. The thing is it will be a computer software…
-
Advice on getting a new CC
I'm looking to get rid of the debt from my Egg card (currently accrueing interest at 16.9%). Ideally i'd be looking for something that'll allow me to move all my debt to a lower interest rate for the life of the balance. However, I've realized that I've not planned things too well and a number of things may adversely…
-
Credit card indemnity
Some time ago (about 18 months) I used 2 credit cards to pay a deposit (£12,500) plus a Cheque for £10,000 to become a licensee with a publishing company. Subsequently the parent company has gone bust and has been wound up by the DTI. The DTI investigation had been ongoing for some time but this could not be made public…
-
cancelling payment on credit card
Just purchased fridge yesterday in desperation, ours broke down full of food. It was promised to be delivered today, that was our condition for buying it. It is late! if it does not arrive today we want to cancel the transaction. We paid by credit card, what can we do?
-
quick question
Hi, i currently have 3k on an egg card and teh 0% introductory offer runs till feb 07, now my problem is, i have 3k in my savings, this was to cover a holiday, should i pay of the card then try and pay as much of the holiday as possible then put the rest on the card when the due date is up? or apply for another 0% card for…
-
Method comparison
Has anyone ever compared the two methods: A. Spending on a cashback card. That's all I've ever done making say 1%. B. Getting a 0% card and spending up to the credit limit offered and not paying back until the end of the 0% period. Which is more lucrative?
-
do i still need my egg card?...
as I've just opened the egg money card (to take advantage of the cashback thing). is there anything that 'egg card' can do that 'egg money' can't (eg. can 'egg money' be used in the same way to drop cash into current account fee free?) if not I'll close egg card...only save it for stoozing many thanks
-
sorry for being stupid
I can't find the table/list of best BT cards that charge a fee.. I'm sure I've seen it somewhere.... Anyone point me in the right dicection.. thanks
-
Halifax One Payment
I recieved my Halifax One statement wich told me i must pay a minimum payment of £53.04 by 27/12/2006 I set up a standing order to go out of my Halifax Current account for £200.00 on 22/12/2006 come the 22nd, £200.00 leaves my account I kept checking to see if it had gone into my Halifax One account, come 26th I was a…
-
Can I do this?
Have applied for an M&S and More Card. Wanted to use it to pay off the FD Card, but as it is a HSBC card, now know it is not possible. So could I BT the amount to my Nationwide card (though the credit limit on that is about 1/4 of the amt to BT, not sure if that makes a difference), and then BT from Nationwide to HSBC? I…
-
Which cards got easy approval??
Hi everyone, I'm planning to apply for a credit card and preferably looking for a high limit to pay my uni fees. According to Experian, my credit score is about 700 and I got this accounts in my credit report: 01. HSBC - £2250 / £175 02. HALIFAX - £1700 / £960 03. Monument (Shows as Barclaycard) - £1000 / £767 04. AQUA…
-
Capital 1 oops
I have just recently received a Capital 1 card and arranged a BT to another card. Its the 0% till Jan 2008. Yesterday I was rushing about, and grabbed my cards to put some petrol in the car. I thought I had grabbed my GE card but didnt realise till later on that I had actually used my Cap 1 card to pay for the petrol. It…
-
Newbie - is it better 2 pay off higher %
Fiancee has 2 credit cards: TSB - £6000 (at limit) 14.9% Barclays - £750 (at limit) 19.9% We've bought our 1st house and his parents used their argos card to buy everything we needed, with us paying them back. Argos - £1191 - 25.9% We have 3 seperate payments, ie 3mth interest free purchase, 6mth and 9mth. Our mortgage…
-
Citi cc preferential rate.
I have today received another invititation to ring the above company on an 0870 no. and they have advised they will advise me of the preferential rate they are willing to offer me for BT's. Does anyone know what sort of rate they may offer. Also would have been helpful to put the rate on the card they sent me.