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How to Compound 3% Balance Transfer fee into true annual rate?
If you have to pay a 3% balance transfer fee on a 0% for 9 months offer how does this compound into an annual APR? I ask because, if my mortgage rate is say 6% and I use the balance transfer of £9000 to offset the mortgage for say 8 months (you never get the whole 9 months) is the saving worth doing? Especialy considering…
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Can I Clear Overdraft With M&s Credit Card Please?
Hi, please help me someone. I've just returned from the bank (Lloyds tsb) after discussing our overdraft.(£8,000) and i was under the impression i could get an M&S credit card and put some of the o.d. onto the credit card but the bank clearly told me no, can't do it and advised me to get a credit card from them for all our…
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Can I transfer a loan onto a credit card
Hello there I've managed to convert our credit card debt onto low interest cards, and my highest APR debt is now a loan at a whopping 12.7%. Is there anyway I could transfer this onto a credit card to pay off quicker? The loan (just under £4000) is in my partner's name, however I have a better credit rating. The loan is…
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how hard are they to get?
hi,as some may know ive recently applied for the MBNA CC to do a balance transfer. im wondering how hard are these to get?are they a harsh credit scorer?are CC easier or harder to get than loans?ive never missed a payment on anything ever so id imagine my credit history to get o.k how much are they likely to give me for my…
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BT with bad credit rating
have just over £2k on my card. looking to try and get a 0% transfer. defaulted on a loan a couple of years ago this getting paid monthly, not missed any payments.i have a rating of fair and 366 points? before i start applying for cards does anyone know of companies who i should try if there are any? thanks
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Morgan Stanley - good card to go for ?
Hi, Thinking of applying for a Morgan Stanley Platinum card mainly b/c of the cashback and b/c they look cool :) currently have a standard HSBC card, always pay my credit card in full anyway and reading the article MS seem to be the best ones. So all ok to go ahead and apply ??
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Not enough ££ to cover balance transfer HELP
Hello, I owe about 7K to Barclaycard and decided to do a balance transfer. I applied for the Morgan Stanley and although I submitted that I would like to transfer £4 K to Barclaycard (i thought that if you ask too much, in this case the whole 7K ould slim my chances of getting the C/C) I got a letter that I have been…
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help with which card to use
hi i need help im after a credit card with 0% on bt and 0% on purchases can anyone help?? thanks
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cancelling cards
can someone tell me when you swop to a card should you cancel the old one.I have cut them up but not actually cancelled. What do you think?
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CO-OP, good for you?
Just been looking at the CO-Ops Clear Credit Card, 9.9 APR, no balance transfer fee, etc, etc. It says, Good for you. Good for the planet. Any comments / opinions? :think:
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how much will they charge?
hi,im looking at getting the MBNA card to do a balance transfer my £1500 overdraft on. im trying to work out how much will i need to get on the card?will £1600 cover it?i mean will i get charged 2% for the balance transfer then 2% again to put the cheque into my current account to clear my overdraft?is this wrong,if so how…
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online currency
if i order us dollars online do your credit card company charge you
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Does Anyone Know If You Can Bt From Cahoot To A Credit Card ?
I Have Just Taken Up The Credit Card &more As It Has 3.9% For The Life Balance I Want To Transfer From My Cahoot Account To My &more Card Has Anyone Had Any Luck With This As &more Says I Can Not Do It !! Any Help Would Be Great On This Matter
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Balance Transfer from US credit card in Dollars to Best UK Credit Card
I have a credit card with the Bank of America from my time living in the USA but want to make use of the low Dollar rate by transfering it's balance to a better terms UK card. Does anyone know which cards here in the UK offering competitive balance transfer rates will be able to transfer funds in US Dollars from a US…
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tell me which card to get
hi again. please can someone tell me which card to get.as im confused by all this. i want to clear my £1500 debt on to a 0% credit card. which is the best one for doing this,as not all cards allow this type of tranfer,im told i need a card that does a super balance tranfer,can u name one i should get? ive dont mind paying…
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Paying off credit card in full
I'm a noob here so go easy on me. I have searched for an answer to my question but cannot find one. Some time ago I was listening to the radio and a money expert mentioned that if you pay off a long term debt on a credit card then it is possible to negotiate a settlement figure lower than that of the outstanding debt.…
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Um...am i lost?
Hi guys So sorry if this has been done before, I’m finding it difficult navigating to where I want to go on this site. I have a pretty decent credit history in my opinion, I’ve had one load I’ve paid off, I’ve had a couple of things on finance. I was a bit lazy in the year and forgot to pay my credit card, I only had a…
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HELP: Is HSBC or CapitalOne 0%BT/Purch. the right cc for partner's debts transfer?
Hello, good evening! Can I please run something by you guys? *beg* My (formerly good) credit rating has been marred by wanting to consolidate my outstanding debt and being refused a personal loan two times in a short space of time. I have four accounts which are overdrawn/in debt: £384.65 HSBC Current Account (£500 agreed…
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LTSB Mastercard Woes...
Hi all, Been a lurker for some time, but never really felt that I had anything to contribute, but now I have a question. I'll not bore you with long details, but never been too hot with money, but just recently started to turn it around some, though things are still tight. I got a letter through on Tuesday from Lloyds TSB…
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Remortgage first, then do a BT?
hi all, just coming to the end of my 0% with the HSBC. Wanting to do a BT for a better deal to avoid their standard rate of 13.9%. But I am soon to remortgage (Jan) and I dont want too many credit checks done which could hamper my chances of a good remortgage deal. Knowing that asking for credit in a short space of time…