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Caution! Barclay 2.9% BT...
Just a note for everyone. I did a BT to my Barclay about 3 weeks ago because it was offering 2.9% on the life of the balance. But I found out today that it wasn't on 2.9%, but instead is on the standard BT rate of 14.9% >:( >:(!!! After insisting that if it was not the 2.9%, I wouldn't have bothered with my Barclaycard,…
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Another SBT card + good freebie
Hi Liverpool Victoria is giving RCN members a SBT card. http://www.liverpoolvictoria.co.uk/rcn/productsandservices/creditcard/creditcard Im not sure if they check whether you are a RCN member but feel free to try I quess. You also recieve a free electronic personal organiser. Looks like a good card just like mint & egg to…
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Does checking my credit references get recorded
I've just started using 0% offers on credit cards after Capital One Circle Rebate reduced me from 1% to 0.5%. I've got a couple of cards, but while I wait a little before I apply for another, I thought I'd check my records with Experian and Equifax for £2 each, as I haven't done this for a few years. My question is, when I…
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Multiple 0% credit cards
Apologies if this has been discussed many times before. But was thinking it might be worthwhile taking out as many 0% credit cards as i can and deposit up to the credit limits in a high interest savings account and then pay the min payments by direct debit. I assume you could also set it up so that it pays the balance off…
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Nationwide exchange rate
Does anyone know if Nationwide CC uses a low exchange rate to offset the lack of foreign usage comission charge?
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Please help a cc newbie decide which card!
Hello ;D I have never had a cc and after having a 'scare' after buying from an online shop with my Visa Electron debit card I have now decided to go for a cc so i have more protection when buying online. I have been sent the paperwork to sign from Barclaycard and have been sent some info from Lloyds offering me a card from…
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CIRCLE REBATE - fight for your 1% cashback
I've had a few emails regarding Circle Rebate withdrawing it's cashback. The basic gist is people are calling up and asking "is my cashback being reduced and if so when". It seems at that point, those who have not yet had a letter are being effectively told I was told "cashback hadn't been reduced and until I received…
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Credit card reminders
I dont know how others do this but I use https://www.birthdayalarm.com to remind me about any up coming 0% credit card expirations dates - its also handy for birthdays too. Does anyone else use similar for similar? I heard about it on the R2 Website of the day and have been using for a while now - friends and family think…
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Total Available Credit limits v's Income
Does anyone have a rough guide to the total available combined credit limits of credit cards versus your total income. Reason i ask is my sister has managed to get credit cards with MBNA*2,Halifax one and Mint over the last 6 months the combined credit limits come to £49000 her income with commission is £23000 is this now…
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The Credit card scam... Lets cane it
Ive only recently discovered MSE but I was planning the credit card scam a long time ago. The piece missing from my jigsaw was the SBT's - Lav 'em! Cheers Martin So Ive done a couple of big SBTs and have 25k sat in my Cahoot account, reveling in the 5.65% interest. - Lavving it! (I might open up a Derbyshire regular saver,…
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Council Tax & cashback?
Check your Council Tax bills. Received my new Council Tax bill yesterday and noticed that payment can be made using a credit card at council offices/libraries/by phone. I plan to use a credit card in future for all Council Tax payments and accrue cashback/reward points. I pay off the full balance every month, so it will be…
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Do many bank accounts affect credit scoring?
As per subject. I refer to savings/current accounts.
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What should I do with Old Credit cards?
HI, I would like to know what the groups suggestion would be to do after you have transfered money from credit card to another to take advantage of low or 0% interest reates. I'm someone that will tranfer money on a regular basis depending on the length of time a low rate offer. At the end of this time should I instruct…
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cancel barclaycard and get 1000 nectar points
Hi, My work colleague just phoned Barclaycard to cancel and move to another card. They offered 1000 nectar points for free. He said well if I take the points can I still cancel tomorrow. They said yes! Bargain. Get the free points then switch card!
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citi credit cards
can anyone tell me if there is a hidden agenda with the Citi Classic/Platinum credit cards which are currently offfering 0% on both balance transfers and purchases for 6 months? I have already been caught out once - and they know what they say - once bitten and all that Many thanks ???
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New BT charges for sure?
ive just got my MBNA card and they basically stated that ALL BT's will now be charged the 2% or £35max and they are only allowing discression if you state that you knew nothin about the charge etc... they also said that all other credit card companies are very soon to introduce this! Has anyone recently done a BT where a…
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Experian online report, strange entries?
Hi, Anyone help with an Experian online report? Was hoping to transfer my balance with HSBC to MBNA but got turned down and looking into my credit report i've noticed the following under searches: 9x ADMIRAL INSURANCE SERVICES LIMITED 5x CAMELOT GROUP PLC All classed as "Unrecorded Enquiry" Any idea what they're for as a…
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Mint - SBT'ing..
With the Mint credit card they send you the 4 transfer and save cheques, but can you transfer the money into your bank account any other way? To cut it short, my car is totalled and i 'should' be having it written off and will need to buy another car asap as they'll want the hire car back soon. The idea is to transfer the…
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Cash advances
I need to pay for a rather large garden project (around £4,000) for which I do not wish to get a loan and cannot use my credit card for. Are there any credit card companies that will forward a cash advance rather than a balance transfer?
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iPledge - is it worth it?
I have just logged onto the iPledge website. This site boosts that it, "offers you Cashback on absolutely everything you buy with it, together with an associated deposit account, which offers an attractive rate of interest. The deposit account, administered by The Children's Mutual, the UK leader in long term savings plans…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.1K comments
Most recent: Never stoozed before... by dkwywbicgia
12 March at 2:04PM
