Cheap Credit Card Loans Discussion Area

ellewood

Great article, has made a future loan decision easier.I am sure that this
will help me a lot to know about the credit accounts.

virginoil

food for thought

pabell003

thanks for the idea man .:T

nlr1966

I you ask Virgin for a cheque, then you can make it out to yourself and oay it into oyur bank and the fee on the cheque is 3% - cheaper than the 4% direct payment from Virgin.

What woud the apr be on this if repaying the minimum (£25) on a 3500 cheque, plus £105 fee for the cheque and then paying off the balance on the 16 month deadline day? I thought it would be just over 3%, but any other suggestions would be appreciated.

nlr1966

If you ask Virgin for a cheque, then you can make it out to yourself and oay it into oyur bank and the fee on the cheque is 3% - cheaper than the 4% direct payment from Virgin.

What woud the apr be on this if repaying the minimum (£25) on a 3500 cheque, plus £105 fee for the cheque and then paying off the balance on the 16 month deadline day? I thought it would be just over 3%, but any other suggestions would be appreciated.

Bonald01

I have just done a cash transfer at 0% untl Oct 2010 on my Virgin MBNA card in order to pay off my 1500 overdraft. I plan to pay the entire amount back by then, however, I already had a debt on the card (around £800). Does anyone know if the 2 balances will be kept seperate or if I will still be paying off the highest interest debt first? I am assuming I will have to pay off the necessary amount each month in order to clear the whole debt by October. This is not great, but it is just about doable, and still better than paying £18 a month interest for my overdraft.

pierre94

i need loan to start a food chain.... what things do i need t get it???

pierre94

i m raelly confued...plz help me out...

weedessie

Hi All.
1st time poster..
Just a question, hope someone can give me some advice. I have a loan from the Halifax (original amount borrowed £7500) which I have a balance of £5918.00 still to pay, the APR on my Halifax loan is 8.9% but I have realised to my horror that despite making around 38 payments of £150.93 totalling around £5735, I still have £5918 to pay - the reason being is that I’ve been paying mostly for unemployment protection & interest - what’s rubbed the salt in to the wounds is that I was made redundant over a year ago - I tried to claim for my loan to be covered, after all I was paying for the insurance - but they refused me as my last employment period was for less than 6 months. Your right to think why didn’t I do something about it, basically I was suffering from depression and couldn’t face up to anything, but that’s in the past now as I’m feeling better and ready to tackle this. My financial situation is not great but can be fixed, I still have a good credit rating.. Basically I wanted to know, should I go for a loan and try to get it cheaper than 8.9%? or could I apply for a couple of 0% credit cards and pay the Hellifax off? They say I have a settlement fee of £120.58, surly this would be a cheaper option? Also I have another credit card totalling £978.74 -can I add the 2 together to pay off the credit card, and pay the loan?

I'm so angry at myself letting these people fooling me that they are here to help me!! But at least I’ve came on here and learned a lot in 1 day!!

Thank you all


Dessie

homesecurity

hello...............................