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Abbey - Santander - repeat success ??
My Abbey 12mth deal has just ended - anyone had a succesful repeat , ?
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Halifax C Card offer
Hi there, I have just received an offer for a Halifax Credit Card with 0% Bt for 10 months and 0% on purhases for 10 months. This is no different than what they have on offer on there web site last time i looked but beings they have offered it to me would I be more likely to be excepted. Also the offer of 0% on both Bt and…
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Skycard 0% offer
In February, I received a 0% BT offer from Sky: You'll pay no interest until 1st Dec 2008. My min. payment is due on 30th Nov. I was intending to do the min. payment on Friday 28th Nov (Faster Payments from FirstDirect are credited on the same day) and pay the remainder on Monday 1st. Am I right in assuming that the…
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MBNA Positive Balance
Hi Just a quick question. Do MBNA charge a fee when transferring a positive balance? Thanks
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trying to get my head round something..
i've just tried to work out if i can stooze on my virgin card and manage to pay it off - i would be grateful if someone could just clarify what i want to do will work! virgin card £2500 owed £10000 available to spend min. payment now is £43 min. payment on £12500 is £343 (3%) bt fee 2.98% i wasn't sure on tax rates so left…
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help !!! balance transfers and joint accounts
2 things hit me like a hammer after reading the latest ccards article. 1. i have a mint card that is a balance transfer card whose offer will expire in feb. I have just read the cutoff point is 1-12-08, for new cards,after which your credit file may take a whopping if you apply for a new bt card. I always pay the minimum…
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Would Stoozing damage my credit rating?
I'm thinking about starting stoozing, my savings account is the Kaupthing Edge now ING (anyone know if that rate of 6% or so is fixed?), I have to get a new card which will allow 0% on purchases. I was thinking about paying my mortgage of £1000 by using my card and save that £1000, Of course I have to pay the minimum…
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credit card interest
HELLO MARTIN approx 8 years ago i was heavliy in debt , i had to seek help from the cccs which i must say was a gosend ,i am not proud of myself either ,but one of my creditors is still charging me interest on my credit card debt which i am paying through my DMP is there any advice to either stop or reduce these charges as…
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Halifax tricky stuff
Halifax have 0% for ten months but this is only on spending for the first 90 days. I assume that to benefit you will have to stop spending on this card after 90 days or pay off the balance. Otherwise if you continue spending there will be an element of 0% and an element of 15%. Don't like the look of this one.
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MBNA to Virgin 0% transfer - possible?
I currently have a 0% MBNA which expires next year. Would I be allowed a 0% transfer to Virgin (either direct or via a third account)? I suspect not as they are run by the same company. So second question - how long would I have to wait after cancelling the MBNA card before applying for the Virgin? Could I do it straight…
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How long til I can be a new customer?
I am about to transfer a couple of balances and this will leave 2 of my cards with zero balances and then I will be transfering 2 more onto one of these if I get any B/T offers (I have always in the past when I cleared the balance) This should leave me with MINT Tesco and HSBC cards with no balance. Does anyone know how…
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Mint offer - 0% and no BT Fee til June
Just received an offer from Mint as the subject says - not an overly long period, but it's free money! Hopefully we'll start to see a return to more capped and reduced rate BT fees if the interest rate continues to drop.
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Egg Money- transactions timing problem?
The problem is that the transactions do not appear on tha statement in the order that they were made. I took some cash out in the morning when I had a positive balance and I paid at the supermarket at 8 o'clock in the evening, and the purchases put me in the negative. This transactions appeared the other way arround on the…
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Possible to increase credit limit during promotional period for purchases?
Hi there, I have a Halifax All-in-One card with a £1800 limit on it. I'm currently putting all my purchases on it. I am definitely able to pay off the entire sum on it at the end of the 9 mth offer, so don't worry about getting me into the debt spiral! Currently I have a Direct Debit set up for minimum payment. Was…
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Paying by credit card and company won't take card details over the phone
Can anyone help? I have ordered items from a company in Belfast (I live in Scotland.) The amount is fairly large so can't pay it by direct debit. However, when I went to pay it, the company won't accept my Mastercard over the phone- ie. remote payment. I contacted my credit card provider and they stated there is nothing…
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To BT or not to BT now interest rate is dropping
Hi! This is my first post so I hope I've come to the right place. Last year, at the brilliant suggestion of this site, I took out an MBNA card with a 0% BT then took up their offer of a BT into my current account. This means I have roughly £4300 currently offsetting against my Woolwich mortgage. At the time I paid the 3%…
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Virgin CC balance transfer to Egg money account...advice please
Hi, Want to buy a used car but didn't fancy an expensive loan. So I have recently applied for a Virgin credit card. I plan to do a balance transfer to my Egg money account (£0.00 balance at the moment). I was hoping to use Virgin's 16 month % on balance transfer deal. I pay 2.98% handling fee, but once the money is in my…
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Query: 0% on purchases - does this mean I only need to pay the minimum?
Hello! I have just received a brand new card with 6 months 0% on purchases. Right now, I have spent about £2000 on the card (all on purchases). Do I have to pay off the full £2000 this month, or just the minimum repayment to avoid interest charges? I'm not sure how this all works, but from the stoozing articles I've read…
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First Direct Application with a Stooze Pot
I currently have a low mortage where the balance is less than one third of our salary. I also have a stooze pot that is worth more then my mortage just under 50% of our salary with of course the stooze pot all sitting in high interest accounts. Now I could apply for the min mortage at FD in an offset account at very low…
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Skycard - extended 0% period
A year ago I took out a Skycard; purchases have been at 0%; my 0% period ends in March. To-day, I received a special offer: 0% Skycard cheques, which attract a one-off fee of 2.99%. The 0% period will end on 1st Dec. The fee, so I have been told, will not accrue interest. The cheques, which are valid until the end of…
