Credit Cards

A question about : The Sub Prime Credit Thread

The Sub Prime Credit Thread - Part V

Welcome to the 5th edition of the fantastic Sub Prime Credit Thread, originally created by Proliant and followed up by CifPower. This thread contains all previous versions of the threads and all the Sub Prime deals available right now!

A question about : Sub Prime Credit Thread Part III

PART I

PART II

Welcome to the shiny and fantabulous second sequel to the Sub Prime Credit Thread. I hope you enjoy the pleasant surroundings. Enjoy the food and please tip your waitresses.

Capital One

Vanquis - go through Quidco for cashback

Aqua

Barclaycard CreditBuilder

A question about : Sygma Bank Credit Cards

Sygma Bank Credit Cards.....

Sygma Bank, or Creation Finance, is somewhat of a dark horse when it comes to issuing credit cards. They are not a sub prime lender but their scoring techniques are unique in that they do offer cards to some sub-primers, and it seems once you're in - you're in!

A question about : Paying off the overdraft with credit cards

Hi,

I have a Ј5,000 overdraft with Halifax that I am being charged Ј100 a month for. Without looking closely enough on this site, I applied for a 36 month 0% balance transfer card...only to find out that I can't use this to pay off the overdraft.

A question about : Credit card allowed over limit then charged

Hi,

I am in dispute with RBS over a Ј12 over limit charge.I made a purchase not knowing it would take me Ј20 over my limit. The payment was authorised by the credit card company.

A question about : Nationwide Introductory Rates When Reapplying for CC

Hi all.

Over the last few months, I have paid up and closed 4 credit card accounts. 2 of these were used for stoozing, the others just no longer required.

Each company acknowledged the account closure. But only one; Nationwide (which was closed after introductory period ended), stated that if I wanted to re-apply for a new card in the future, it would not be at preferential (or introductory) rates.

Of course, I know they can do this but it is likely that they will?

A question about : Best Credit Card for Rewards

Hi,
Could anyone please advise.
I am going to be doing a lot of spending over the next month on big house hold purchases. I could use my debit card but thought trying to earn some cashback / rewards might be a good idea. Does anyone have any ideas for the best card to apply for?

A question about : What should i do with my cards?

Hi all, long time reader and first time poster here.

In the next week or so I will be consumer debt free - I'm in the process of buying my first home with my wife, and I still have a student loan.

My situation is that I have a Barclaycard Initial, interest rate of about 19%. I cleared it last year on a balance transfer to a 0% card, but as it's been open since 2010 I have kept it open for the positive impact on my credit report of a long term line of credit. The balance limit is Ј1600