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halsteadk

lisyloo wrote: »

Are you being deliberately confrontational?

Well, yes but that's because several people seem to be providing mieleading info on this and some of them are probably spammers. Apologies if you're not deliberately misleading people.

Hmm, can't help feeling an assumption of good faith is reasonable? Not really an excuse for being "deliberately confrontational" is it? I have to this there seem to be quite a high proportion of rather unfriendly people on this board. Wonder if anyone reading this will see beyond my post count...

ms_ora

I have been with Capital One Platinum Mastercard for more than 2 years. Their website says that there is a £18 Annual fee but I have never paid any annual fees. Looks like they have recently introduced this fee and would only be applicable for new customers.

stphnstevey

halsteadk wrote: »

Hmm, can't help feeling an assumption of good faith is reasonable? Not really an excuse for being "deliberately confrontational" is it? I have to this there seem to be quite a high proportion of rather unfriendly people on this board. Wonder if anyone reading this will see beyond my post count...

Trouble is Martins Forum has got extemely large, so just like life, you come across all sorts in this forum

lisyloo

Hmm, can't help feeling an assumption of good faith is reasonable? Not really an excuse for being "deliberately confrontational" is it?

No, sorry but when there are multiple spammers then I think it's entirely natural to be cynical/confrontational.

I have offered an apology which appears to be have been accepted.

You are of course emntitled to your view and perhaps it was rather unfortunate that at the time there were serveral spammers active on that subject.

But no I don't see it as out of order to try to see the spammers off.
If occassionally an innocent person gets offended by a confrontational question (and don't forget that it was a question and not an allegation) then I think an apology is the correct way to deal with it.

Let's get this into proprtion.
I tried to warn others that there may be an issue. Asked a question.
Did not make unfounded allegations or personal remarks and then made an apology.

Perhaps not the friendliest approach, but not criminal or slanderous/libellous either.
We all have to be wary in these times and it is difficult for us sometimes to tell the difference between genuine people and spammers.
At least I have the balls to say sorry when I got it wrong and did not get into personal insults/allegations in the forst plce.
So GET OVER IT, it was only a QUESTION, followed by an apology.

I personally think it's better to spend time helping people that picking over every miniscule detail, so excuse me if I don't engage with you in any more debate on the subject.
I apologies and that's the end of it as far as I'm concerned.
If you really want to help, then get helping rather than picking.

I did BTW provide some useful info no the subject.

rono13

What about Paypal credit card, they say thety give 2% cash back

lisyloo

What about Paypal credit card, they say thety give 2% cash back

Hi rono,

They certainly do not give "cash" back, so the information you have seen is misleading.
Their website does not say cash but I understand some emails have.
You can read my post #386 a few posts back where I detail the issues.

You may get a quicker reponse to your questions by using the search facility if your question has already been answered.

Doc_N

lisyloo wrote: »

Hi rono,

They certainly do not give "cash" back, so the information you have seen is misleading.
Their website does not say cash but I understand some emails have.
You can read my post #386 a few posts back where I detail the issues.

You may get a quicker reponse to your questions by using the search facility if your question has already been answered.

One of the issues not, I think, mentioned is the fact that in the event of any dispute you'll be dealing not with your bank but with PayPal - a notoriously difficult outfit to deal with. They look after themselves, come what may, and you as a customer will come a very poor second. Anyone who's had any dealings with PayPal will know exactly what I mean.

I'm no lover of Tesco or Amex, but I have to say in fairness that they've both looked after me well on the rare occasion that there's been any problem. That's a lot more than I could say of PayPal, and I wouldn't touch one of their credit cards with a very long pole - whatever the 'cashback'.

emmylou41

Ok - deep breath . . . can anyone give me some advice please. We have £13,000 on our credit card. Yes, I know this is a huge sum of money but it's a very long story. To cut to the chase, we want to pay it off, cut up all cards and never get in this situation again. We both work and can afford £220 a month to pay it off. What option would anyone recommend. Loan? 0% balance transfer? Long life balance transfer? I'm so confused but I'm desperate to get a grip on this. I'm willing to be a rate tart and change as frequently as it takes. Please can you help? Emmy Lou

lisyloo

What are your credit reports like?
Have you had any late payments? or is your credit rating good i.e. made minimum payments on time.
What rate are you paying at the moment on it?

You want a low rate, but 0% rates are short term and you are looking at 5 years plus to pay it off, so you have to bear in mind that if you get a 0% for 12 months, then there is no guaraantee of being able to do so again (you might but you might not).
So a low rate loan or life of balance card, would be less risky longer term.

You could take a two pronged approach and move say £2600 onto a 0% card (for 12 months) and put the rest on a longer loan/lob.

However whether you will get these deals does depend on how good your credit rating are.
If one of you is good and one of you is bad, then you could apply in the name of the one with the better rating.

Have you checked your Experian/Equifax reports recently?

emmylou41

Hi Lisyloo,

thanks so much for responding. We have good credit ratings - both of us. Currently with Bank Of Scotland who have just written to us saying that rate going up from 16.94% to 21.95%. Worried sick! Can you explain what Experian/Equifax reports are?