-
Sainsbury Card
Used my Sainsbury Card in Tescos yesterday. On the Tesco bill there's a paragraph saying they have added a 2.5% handling charge to the cost of the items. Did a quick addition but it all added up correctly. Anyone know if there is a 2.5% handling charge in Tescos when a Sainsbury card is being used there.
-
How long to wait after settling card?
I am about to settle my Egg card but will leave it open to make use of the anniversary offer and SBT facilities. I plan to apply for the Lloyds TSB 12 month 0% but am wondering how long to leave it before it will show on my credit record. I have a few other 0% deals also at the moment so don't want to push things too hard
-
Help-SBT query!
I've been trawling around the site for ages trying to find out if First Direct do SBTs. Their T&Cs say "balance transfer is a transfer of funds from your account with us directly to another specified account held by you with another card company". There's no mention of "paying off" overdrafts or interest free credit card…
-
MBNA declined?!?
hope someone can give me some good advice have got two credit cards at mo egg and ltsbgold applied to virgin credit cards for a new one to transf balance accross to 0% - but was declined. after reading on here tht mbna usually say yes to most ppl i was really shocked. I have never missed a payment ( except the last ltsb…
-
Credit Cards which offer Air Miles
I have been collecting Qantas Frequent Flyer Points for the last 4 years through staying at Holiday Inn's and the like with work, but as a result of a recent expenses overhaul >:( by my new boss, i'm now in the position of not being able to collect points this way any more. Therefore, does anybody know any credit cards (or…
-
Query - Credit Card application details...?
Hi all, - Thanks for you advice in advance!! ! ;) This has always crossed my mind and I've often wondered if there is a right (advantageous) or wrong (disadvantaged) way of doing this.... Basically, when applying for a new credit card...what is the purpose of the lenders asking for what your existing cards are and also the…
-
MBNA (will give anyone a card!)
Well for all those of you who are wondering which company gives out cards the easiest.....the winner without doubt is MBNA. My 21 year old mentally disabled son was with my ex-husband in Glasgow airport when he was stopped by a canvasser and offered a credit card. My son couldn't answer the questions asked (and it would…
-
AMEX DROPPING CASHBACK RATES
Just been tipped off Amex is dropping cashback rates on Blue and Platinum cards. No need to worry as it isn't happening just yet (Oct), I've had a scan on the new rates and they're not disasterous, still topping the table for most things. I will update my article in the next few days (when i've finished balance transfers)…
-
Partnership Card
Just wondering whether anyone has applied for John Lewis Partnership Card. I have just applied for an upgrade from my Waitrose Storecard to Partnership Card and have still not heard from them. I have no balance on my store credit (Limit £1250) and am wondering what my Partnership Card limit might be? Thanks.
-
Barclaycard - GRIPE
Been with Barclaycard for 2 years now, and they are driving me bananas. Just for reference, I am 21 years old, Young Business Owner on PAYE income of 25k: I hold 3 Credit Cards Mint: 1.5K Credit Limit, 1k Balance on the 0% OFFER. MBNA: 2.5K Credit Limit, 10.9% flat rate card, no balance. Now comes to my gripe, Barclaycard…
-
Card Protection Policy renewal – are they worth it
I’m starting to think if this policy is worth it. I have never ever used it and it has been increasing each and every year currently £16 per year with Barclaycard, covers the whole family though. Does anyone know of any cheaper policy’s out there? Are they really worth it? The T&C’s probably wouldn’t cover any normal event…
-
HOW TO BUILD UP CASH LUMP SUM WITH NO PENALTIES?
Can anyone help me out here as I am confused.How can you build up money you want to transer to a bank account without paying penalities? I understand you can balance transfer from existing loans etc that give you 0% fixed period but with most cards this does not apply to cash advances and purchases? How are you supposed to…
-
Hellp!!!!!!
I'm not sure what I've got myself into here and perhaps you more experienced SBTer's can help me. Not having any card debt, I decided to do a SBT with EGG @ 0% for 9 months, they opened an online account and I was able to transfer the credit limit (£4000) into my online savings a/c via my online bank a/c. And they only…
-
Citi PLATINUM Visa
Quick question for all you experts out there ;D I applied for a Citi platinum Visa a week ago via the Citi Bank Website. I today received my 'agreement' to sign. On checking the terms and conditions I noticed to my horror that automatically, upon receiving your signed credit agreement, they charge to your card 'Payment…
-
Mint SBT - Getting a higher credit limit
I took out the Mint card and got a limit of £2800. I phoned a few months later and they increased it to £3300. I have phoned them recently and they refused to increase anymore because they can only increase once every six months they said. However they said that if you can produce evidence of savings etc and send your…
-
2nd Barclaycard
I currently have a Barclaycard Visa with quite a high (unused) limit. I requested (via my account) an accompanying Barclaycard Mastercard, as I thought it would be useful to have a Mastercard as well as a Visa. BC wrote to me offering the MC, but it would not be with a separate credit limit. Instead, I would need to…
-
Urgent: Credit/Debit Card Purchase Insurance
:-/ I must begin by sayin what a fantastic resource this is! I'm glad i've finally made the effort to register. Right the question is regarding some credit card and debit cards which offer *free* purchase protection on "most" goods bought on them over £50. How the heck can they afford to do this when for example Dixons…
-
Credit card balance transfer can you help?
A couple of months ago I opened a 0% interest account with MBNA and transferred the balance of my other card. I use my other card for purchases as this is a cheaper rate. My question is, can I now transfer the latest balance of my other card and not pay interest or would the offer only have been for the original balance…
-
Credit Card Application 'Honesty Test'
::) I am doing the rounds at the moment shuffleing cards with 2 at the moment at 0% and noticed that some members have upto 10 cards on trhe go. My question is how honestly do you answer the question about how many cards you own? And, Does this affect whether the application is succesfull
-
help required
Right I am new to this and I was hoping someone could help my mum save some money.... My sister (v irresponsible) started a student Barclaycard and ran up a debt of £400; my mum has now been paying it for a year and al she seems to be doing is just paying the interest and maybe £5 of the debt. I read an article on this…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
