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M&S CREDIT CARD advice
Does anyone know if there is an instant approval online or are you notified by post?
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Any ideas? CC company made error and will not take responsibility!
Hi I'd be really grateful if anyone could advise me - I've just got back from holiday (which was booked on my Sainsbury's Bank Credit Card). Before I went, I received my statement and checked my account on Sainsbury's website. As I was there I decided to make a payment off the cost of the holiday using their payment…
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Letter with someone elses account details...
On Friday i received a letter from a well known credit card company. All was ok except the letter had someone elses account number. Our surnames were ok but the initials were different. How could that happen i thought and if i received his letter has he received mine? I called them up and explained, gave both my account…
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Keeping/getting rid of cards
I currently have a Nationwide card for using abroad, a Morgan Stanley Platinum (for the first £2k and reserve when AMEX not accepted) and a Blue AMEX (great intro offer). My 1 year Amex offer is now over and I've spent £2k on the Morgan Stanley. Therefore I have just got a Conran card. My question is: as the Conran…
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RBS Credit Card reduced interest offer for Christmas??
Has anyone else had similar "offer" on Royal Bank of Scotland credit card. First time I've come across something like this. Received in post this morning. The offer is: ....."a great low rate of just 4.9% p.a. on purchases over £250 - .....every time you spend that amount or more in one transaction between 1st November…
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Credit Card Debt & Reducing it!
Hello All I would like to reduce my credit card debt asap. Just a little insight. I have a Barclaycard @ 24.9% apr owed £5000, and a RBS card @ 22.9% £3600 owed. I cannot transfer them as my credit rating is poor and no one seems to want to touch me. Also i am currently claiming £500 from Barclaycard & £132 from RBS for…
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bmi Classic Mastercard offer
Just got an email from BMI with their latest credit card offering: Sign up with them and spend anything within 90 days of getting the card and get 20,000 destination miles. To put that in perspective, a return economy flight to any of UK, Austria, Belgium, France, Germany, Luxembourg, Netherlands, Republic of Ireland,…
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A&L closed account with credit
I received a letter from my A&L credit card yesterday (run by MBNA) stating that as I have not used this card for over a year they have closed the card down. I have checked by statements and in fact I paid off the card in June 2005, and they have not issued a statement again until January 2006 where that stated I had…
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Praise where praise is due for Post office CC
okay so there is nothing extra special in the Post office card but if you have next holiday abroad in mind i recommend it over the Nationwide card !! my expericance of getting both as follows 1) Nationwide card took over 2 weeks to send out documents to sign and the a futher 2 and half weeks to arrive . was instantly…
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Balance Transfers to a joint account card
Hi everyone, Thinking about applying for the M&S card to pay off a loan via an Egg Money card where the account's in my wifes name but we both have cards on it. Can I balance transfer to a car that has my name on it but is actually on my wife's account? Or is she the only person who can do so? Ideally of course we would…
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Morgan Stanley!3.9 LOB, 1%fee,advice needed
Hi, i ve just been approved initially for a morgan stanley platinum - 3.9% LOB, CC with 1%fee for BTs, I need a loan of about 10-15k, for about 2-3years, however, can u let me know if: a) I have a MBNA CC which transfers, balances to current accounts, however I am in debit at the moment so there is a charge for BTS but if…
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Capital One balance transfer stitch up
Hi, A while back I made a balance transfer to Capital One which was 5% interest for the rate of the balance so I took advantage of the rate to clear my CC debts. Shortly after I (stupidly) made a couple of purchases, one for £380 and one for £137 approx and so I understand that I will be charged interest at the purchase…
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Marks & Spencer - fee free BT 0% for 6 mnts?
M& S I have seen here (See full list of major providers existing customer offers) that Marks & Spencer is offereing fee free 0% for 6 months balance transfer to exsiting customer. So i don't understand why when i rang them they said it is not available. If Martin or someone can confirm this or have i got it wrong.
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Prepaid Credit Card?
can i use prepaid credit card to deposit and withdraw the money from any where in the world and what does it annualy cost, or any thing differences on currency rates...? does they do credit check if you wanna apply for one of them..? any link please
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HSBC balance transfer 6 months not 9
Hi all, I took out the HSBC account 6 months ago which was advertised at 9 months 0% on balance transfers. However, shortly after opening this and receiving the T&C's it stated that it was only for 6 months. Again, shortly after this I received a further letter with additional T&C's stating that the previous was incorrect…
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Egg Card or Egg Money
What would be the best card to apply for out of Egg Card or Egg Money?
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Credit card limit
Hi Hope someone can help with a question regarding my credit card........ I havea limit that is not too high.....and I am happy with this..... I would like to buy a large item on my card... If I pay extra into the account above the credit limit will I still be able to buy the item ? and also will the item be covered or…
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Credit Limits - looks like I shot myself in the foot.
Came home yesterday to a letter from Barclaycard stating that they were reducing my limit because they were a 'responsible' lender (which does eg the question are they admitting they've been irresponsible in the past, lol!) Anyway wasn't really happy espeically as Barclaycard seems to be one of the very few ccs where you…
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Turned down for Amex!
Hi I applied for an Amex card the other day solely to use it for the cashback. (I buy a lot of things for work using my personal card & then get refunded so thought I may as well benefit!) Received a letter this morning to say I have been turned down as I didnt meet their credit score :mad: A bit confused though coz I've…
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Which CC has easy approval??
Hi guys, I want to apply for a credit card and am mainly interested in the following: 01. Marks & Spencer &More 02. Marriott Rewards VISA 03. American Express Mini Card 04. Morgan Stanley Buy & Fly! 05. Egg 06. Mint 07. RBS Classic Card 08. NatWest Classic MasterCard I have a decent credit score and want to from you guys…