Credit Card Debt?

dmsu86

i spoke to her this afternoon and i think she said the card is with Natwest

are natwest cards connected to mbna? therefor ruining her chances of getting a virgin card or post office card?

Thanks

dmsu86

anyone????

itsnever2lateisit?

dmsu86 wrote: »

i spoke to her this afternoon and i think she said the card is with Natwest

are natwest cards connected to mbna? therefor ruining her chances of getting a virgin card or post office card?

Thanks

NatWest is Royal Bank of Scotland, and Post Office is Bank of Ireland.
Did she do the smart check btw?

dmsu86

itsnever2lateisit? wrote: »

NatWest is Royal Bank of Scotland, and Post Office is Bank of Ireland.
Did she do the smart check btw?

Me being dumb again but what difference does that make? does it mean she could still get a virgin card? (cos on the virgin site it says if you already have a card connected to mbna then you cant have the virgin one)

Also she hasnt done the smart check yet as she doesnt have the internet at home. will get her to do it when she is next round mine

dmsu86

dmsu86 wrote: »

Me being dumb again but what difference does that make? does it mean she could still get a virgin card? (cos on the virgin site it says if you already have a card connected to mbna then you cant have the virgin one)

Also she hasnt done the smart check yet as she doesnt have the internet at home. will get her to do it when she is next round mine

??????????

Lizalu

She has a NatWest one, that isn't connected to MBNA, Virgin or the Post Office as far as I know. She should be able to get any of them.

I'm sure someone will correct me if I'm wrong.

dmsu86

Lizalu wrote: »

She has a NatWest one, that isn't connected to MBNA, Virgin or the Post Office as far as I know. She should be able to get any of them.

I'm sure someone will correct me if I'm wrong.

Thats Great! :T so what do i get her to do? Just phone up virgin, talk it through and get them to sort out the balance transfer and card?

Lizalu

I'm not sure why you're so keen to go with Virgin.
The main pro for Virgin is that the 0% deal is long (15 months i think)
But you're confident that the debt will be paid off within a year so the Tesco one is cheaper as the Balance transfer fee is less.
Both you can apply for online through their websites, normally they ask for details of balance transfers in the application but if not you can ring them when you get the card.

dmsu86

Lizalu wrote: »

I'm not sure why you're so keen to go with Virgin.
The main pro for Virgin is that the 0% deal is long (15 months i think)
But you're confident that the debt will be paid off within a year so the Tesco one is cheaper as the Balance transfer fee is less.
Both you can apply for online through their websites, normally they ask for details of balance transfers in the application but if not you can ring them when you get the card.

But for the sake of about £5 difference between the two (balance transfer fee) the virgin one gives an extra 2 months so JUST INCASE something was to go wrong, that extra time the virgin one gives sounds good for just a small amount extra

Thats just the way i am looking at it though

dmsu86

Ok, need some advice guys and girls.

I got the virgin 0% apr card and got the debt (£1800) transferred over to it. (all in her name)

Now, this is the first month and i find out she has just paid £50 on a pair of jeans on this card! am abit p*@%*d off to be honest. (after telling her not to spend on it)

Now, what will happen? i've just read that its 0% interest on purchases inside the first month, so does this mean that this purchase will NEVER accrue interest? will it affect the debt in anyway?

I will cut the card up myself tonight! :mad: