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Author Topic: Credit Cards  (Read 2553 times)

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Vamps

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Credit Cards
« on: 09 February 2011, 21:22:33 »
I know some of you are very good and do not have a credit card...... :P :P :P

Well I do, and I have had a letter today; basically from 1st April my repayments will almost double, I am not in any arrears with them, nor have I ever been...What is this all about? it seems to have just come out of the blue and initially is going to upset the budget..... :( :( :(
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Lizzie_Zoom

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Re: Credit Cards
« Reply #1 on: 09 February 2011, 21:23:36 »
I have too many Mike!! ::) ::) ::) ::)

I hope one day I can disappear so they cannot find me :D :D :D :D :D ;)
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davethediver

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Re: Credit Cards
« Reply #2 on: 09 February 2011, 21:26:54 »
Quote
I know some of you are very good and do not have a credit card...... :P :P :P

Well I do, and I have had a letter today; basically from 1st April my repayments will almost double, I am not in any arrears with them, nor have I ever been...What is this all about? it seems to have just come out of the blue and initially is going to upset the budget..... :( :( :(

End of an interest free period or promotional rate?? Some have whacked up the APR on them recently Barclaycard have upped my purchase rate so looks like Mr Egg can get spanked for the next six months while thats still at 0%.

Kite the card and save a few quid :y
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Omega_Dan

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Re: Credit Cards
« Reply #3 on: 09 February 2011, 21:27:02 »
Only paid mine off about a year ago. its sitting in my wallet with a nil balance but im always tempted my something ;D
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millwall

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Re: Credit Cards
« Reply #4 on: 09 February 2011, 21:27:49 »
i had 5 at one point  all gone now though  every other week they upped the limit  i had a 15k limit on one    if i was you would call them and find out about thr repayments  and switch to another card  always better deals out there :y
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albitz

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Re: Credit Cards
« Reply #5 on: 09 February 2011, 21:29:17 »
They heard about your impending 35% pay rise. :y :D
Dont have any now, hope to never have any again. I hate the damn things.
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albitz

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Re: Credit Cards
« Reply #6 on: 09 February 2011, 21:30:52 »
Yep, quite a few balance transfer deals around, up to 17 months interest free. Usually a 3% transfer fee though. :y
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davethediver

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Re: Credit Cards
« Reply #7 on: 09 February 2011, 21:32:25 »
Quote
They heard about your impending 35% pay rise. :y :D
Dont have any now, hope to never have any again. I hate the damn things.

I love them and use them for all my purchases especially fuel and household shopping but i do clear them off every most months ;)
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Vamps

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Re: Credit Cards
« Reply #8 on: 09 February 2011, 21:33:17 »
Quote
They heard about your impending 35% pay rise. :y :D
Dont have any now, hope to never have any again. I hate the damn things.

You said you would not say anything........ ::) ::) ::)

If only it were true..... :y
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tunnie

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Re: Credit Cards
« Reply #9 on: 09 February 2011, 21:34:36 »
most likely a standard spam letter? If you've nothing owing, you've got nothing to worry about.

I have one credit card, I used it a lot when commuting to London, had considerable 4 figure sum on it most months, but it was always paid off in full. When it came to my mortgage application, apparently i had one of the best credit ratings they had ever seen. Mind you not hard as i went to the Banbury branch  ::)

The problem is a lot of people think credit card = free money!
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Mysteryman

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Re: Credit Cards
« Reply #10 on: 09 February 2011, 21:36:12 »
Quote
I know some of you are very good and do not have a credit card...... :P :P :P

Well I do, and I have had a letter today; basically from 1st April my repayments will almost double, I am not in any arrears with them, nor have I ever been...What is this all about? it seems to have just come out of the blue and initially is going to upset the budget..... :( :( :(


I think this is the government rather than the CC company Mike.

If you only pay, say, 2% of you outstanding balance each month as the minimum payment, they can screw you for thousands. I think the goverment made it 5% or similar.
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Andy B

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Re: Credit Cards
« Reply #11 on: 09 February 2011, 21:41:37 »
Quote
I know some of you are very good and do not have a credit card...... :P :P :P ......

I know you're not serious ..... but why is not having a credit card being good? :-? :-?
I have two with some kind of balance on them. One is paid off by direct debit for the total amount each month and the other had a £few thousand that was moved on each few months to a zero % card. That card now has less than £150.
Credit cards aren't the evil  monster that they are made out to be as long as you're sensible when using them. I haven't always had nearly zero on them, mine have had £1000's on them in the past but that wasn't MBNA or Visa or any other credit card provider's fault, it's been mine for spending what I didn't really have.
 :y :y :y
When driving through France how would I have fuelled my car in strange places every 300 miles? Credit cards are great ........ used sensibly.  :y :y :y
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Vamps

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Re: Credit Cards
« Reply #12 on: 09 February 2011, 22:02:50 »
Quote
Quote
I know some of you are very good and do not have a credit card...... :P :P :P ......

I know you're not serious ..... but why is not having a credit card being good? :-? :-?
I have two with some kind of balance on them. One is paid off by direct debit for the total amount each month and the other had a £few thousand that was moved on each few months to a zero % card. That card now has less than £150.
Credit cards aren't the evil  monster that they are made out to be as long as you're sensible when using them. I haven't always had nearly zero on them, mine have had £1000's on them in the past but that wasn't MBNA or Visa or any other credit card provider's fault, it's been mine for spending what I didn't really have.
 :y :y :y
When driving through France how would I have fuelled my car in strange places every 300 miles? Credit cards are great ........ used sensibly.  :y :y :y

It fine Andy, just wanted to avoid the posters who like to remind people they do not owe any money etc..... :D :D :D
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aaronjb

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Re: Credit Cards
« Reply #13 on: 09 February 2011, 22:09:02 »
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I have too many Mike!! ::) ::) ::) ::)

Well, how else can a girl pay for her Jimmy Choo shoes, eh?  ;) ;D
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henryd

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Re: Credit Cards
« Reply #14 on: 09 February 2011, 22:15:29 »
Quote
Quote
Quote
I know some of you are very good and do not have a credit card...... :P :P :P ......

I know you're not serious ..... but why is not having a credit card being good? :-? :-?
I have two with some kind of balance on them. One is paid off by direct debit for the total amount each month and the other had a £few thousand that was moved on each few months to a zero % card. That card now has less than £150.
Credit cards aren't the evil  monster that they are made out to be as long as you're sensible when using them. I haven't always had nearly zero on them, mine have had £1000's on them in the past but that wasn't MBNA or Visa or any other credit card provider's fault, it's been mine for spending what I didn't really have.
 :y :y :y
When driving through France how would I have fuelled my car in strange places every 300 miles? Credit cards are great ........ used sensibly.  :y :y :y

It fine Andy, just wanted to avoid the posters who like to remind people they do not owe any money etc..... :D :D :D

that makes me laugh,talking to someone the other day who said they have no credit card debts,mind you they had a 150 grand mortgage.If that isn't debt what is :-?
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