Sub Prime Credit Card Club

clio

When you say cash advance you do mean a balance transfer to your current account, also there will be a fee of around £89 to pay for the BT.

Sammy_Girl

clio wrote: »

When you say cash advance you do mean a balance transfer to your current account, also there will be a fee of around £89 to pay for the BT.

Yes it would be a BT to my bank account. I understand that there will be a c.£100 charge for the pleasure.

And also from what I have read on other threads, I assume that if I do a BT at this promo rate then I must not make any purchases on this card, as any payments will be made against the BT first?

Many thanks

clio

Yeah dont spend as you will only clear the debt from your payments for the bt 1st, so best just to use another card. thats a good rate is that near as good as 0% your bt fee should be 2.98% unless its better than that it should say on your paperwork. so to me option 2 looks the cheapest but someone else may offer you more advice SG:)

pink_fairy_5

PROLIANT wrote: »

Will you stroke my credit card? :rotfl: :rotfl:

pmsl! i did think of a good comeback for that but dont want to lower the tone:o

havent had a drink for a few days, i think i need one

PROLIANT

PROLIANT wrote: »

Will you stroke my credit card? :rotfl: :rotfl:

With your mouth!!!!! :rotfl: :rotfl: :rotfl: :beer: Sorry I could not resist.

pink_fairy_5

PROLIANT wrote: »

With your mouth!!!!! :rotfl: :rotfl: :rotfl: :beer: Sorry I could not resist.

lol :rotfl:
cant possibley imagine what you mean :A

Paul_G_5

Have got capital cred card for last 6 years, started at 250 limit, last increase was 1 year ago and is 3950. Have asked for further increase on phone and they say that they are unable to do this, increases are computer generated. How can I get an increase?

Thanks for help

clio

Paul G
What apr are you paying, it may be better to go and get another card if the apr is not a good one.

fairmorn308

Morning, go a few questions for you guys

1) 1st I have a cap one credit card back a good few months back with a £200 limit and after about 5 months they increased it to £500. I am managing it really well. always regular payments made to the balance around 5 a month. Balance completely clear now but i am not going to be using this car now so should i expect a credit limit increase anytime soon.

2) I just got accepted for a MBNA card which am over the moon and will be using this one due to interest rates are lower. Also how long does it take them to increase the credit limit?

3) Has anyone with poor credit rating been able to get accepted for the bank of scotland high interest rate card there offering now for people with ppor rating.?

kiora

This is the link for the bank of Scotland Standard Credit Card, being touted on their site for people with no credit history or poor cedit rating, limit is from £250-£2000. May well be another contender for the sub prime club.
http://www.bankofscotlandhalifax.co.uk/creditcards/standardcard.asp
The apr is 27.9% not great.