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Any 0% deal with no cash handling charges?
I'm just coming to the end of my mint card 0% free period and have about £3000 that I want to carry on not paying interest on. But every card that is recommended eg MBNA,Virgin etc seem to charge 2% or a max of £35 for a balance transfer. Is there any card (I don't do any spending on it) that will give me 0% interest and…
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Airport Lounge Access
Hi there - are you aware of any credit cards that have airport lounge access as a benefit? I'm aware of Diner's Club but am wondering if any CC has a similar benefit? Cheers
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Halifax £50 cashback
Is anyone STILL having problems getting their £50 from Halifax? LAst August/September Halifax Platinum card ran a promotion giving customers £50 cashback for 3 transactions completed within the first month. There was no limit on the size of the transaction i.e: it could be as small as a packet of chewing gum etc. I still…
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Credit Ratings
Hi I've used a few 0% credit card deals over the past year. Some I've paid off so although the card is still valid there is no balance. Presently I have two 0% deals Halifax and Mint which will run out in Nov. However, I have tried to acquire some other 0%s in order to move these balances but seem to now be unsucessful. I…
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Credit Card or Loan?
I have just purchased a car £3000 on my Halifax One Card 0% until 25 Nov 2004 I would like to pay it off at say £100 per month (30 months) My question is this, Do I keep jumping from 0% to 0% Cards or Life time Balance Tranfer Card or should I go for a low APR Loan. Is there any differance in principle between a Card and a…
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Capital One Credit Card Cheques
Capital One have just sent my husband some "convenient" credit card cheques, to be used at the cash interest rate of 20.5% plus a fee!! Do they think we are entirely stupid. The account is currently clear, and we intend to keep it that way except for bouncing BT's between accounts. Have scrawled across them "at those…
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How long doe it take
I wondered whether anyone could tell me how long applying for a Credit Card usually takes, I am specifically looking at the Sainsburys card. I need to transfer a loan in December, but don't want to apply too early and therefore make as much use as possible of the 12 Mth 0% Interest Free loan.
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MBNA £25 late payment fee... GRRRR !
Took advantage of their 0% APR on a £11,000 balance transfer and immediately after arranging this over the phone, set up a minimum direct debit through their website as advised. Paid £40 off my first new "big balance" statement as I knew the DD wouldn't be set up in time. Get my new statement saying I've been charged a £25…
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SBTs for Low Earners
Recently got a copy of my credit report for free. Although I have little income, my status is quite good except that I have had no seaches on my file for more than a year and I spend little using my credit card - using my debit card most of the time. Can anyone suggest any other ways that I may improve my credit status so…
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Egg super balance transfer
hi everyone, i have recently applied for my egg card, can i do a sbt to my egg savings account through the website? ???
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Re: Quick Finder for message boards:
Good work , Milarky. Won't this need to be made sticky so that it doesn't disappear onto one of the pages in italics? ;D
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CIFAS on my Equifax report!!
I have just received my Equifax report this morning. My credit card is listed, my current account and 2 mail order catalogues. That's fine. On the last page there are 2 CIFAS listings for a person who does not live at my address!! Apparently the searches are for credit cards. Will this affect my credit rating? How can I…
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The best student credit card?
Hi, Ive been reading this site and you people have lots of good ideas and brain power so I was hoping that someone could help me. Im a student at college doing a BND and im looking for a good credit card that would work best for me. Because im not at uni I dont get a look in at most of the banks deals for students which…
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pay using credit card or get a loan?
My car (which I need to do my job) has just blown up with repairs costing £4000. I have a First Direct classic Visa card which I could use to pay for the repairs or am I better off getting a loan. Time is of the essence as without my car I cannot work? What do you think?
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Credit Card Insurance
My daughter had a mobile phone stolen after just one week as i paid using a credit card i thought it was insured via the card, they are now saying because it may be covered via my home contents insurance they wont pay. But i do not want to claim via my Home Contents a) because my premiums will go up and b) because i will…
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When to Pay Off BC 0% for Life Deal
Hi Can I apologise now if this Q has been asked 100 times but I have searched and cannot find it. I have a 0% for life from BC couple of questions. 1. I keep seeing chats about it has ended they have changed T&C's but mine has not changed! Or does this just refer to its no longer available to new customers? 2. When does it…
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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.
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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
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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…
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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…
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
