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    Credit Card Declined - No documentation

    Hi All, Just looking for some advise on situation with Bank of Ireland. I applied for credit card so I could avail of 0% for six months so I could pay it off. I applied online (as only able to) on the 12th December. Posted in all required documentation on the 15th December. I rang on the...
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    Christmas Eve - banks open?

    Halifax Branches are open until 1pm also
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    what dates are the banks open over the festive season??

    It depends on the bank and the day that it falls on. they will either take the standing order on the working day before the friday or the following tuesday as far as i know
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    what dates are the banks open over the festive season??

    Work in Halifax and were open on the 29th December from 9-5 unfortuntely
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    Best bank for interest free balance transfer on cc?

    I just applied to do a balance transfer to BOI clear card as it is 0% for six months and 9.5% APR after 6 months. They have a good on-line service to view your transactions. Halifax also do 0% on all balance transfers for 6 months but they have a really poor on-line banking service. you can...
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    Declined credit card

    Hi Dalkener, On your ICB report it will also give you your Credit Bureau Score. This tells the bank whether you are high or low risk or somewhere in the middle. might be worth checking that out to see what it says. If you obtained a mortgage after missing payments on a loan then its bit...
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    Should i consolidate?

    The 16k Loan is a car loan. I need the car so I can't sell it. A condition of the loan as its consolidation would to be close both credit cards. I have decided against it as i'm going pay as much to credit cards as possible and get the limit reduced each month. As suggested i have done a...
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    Should i consolidate?

    Thanks Michael, going to sit down and do another budget for January and see where i can afford to cut and pay to credit cards and overdraft before applying for another loan. thanks again
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    Should i consolidate?

    Thanks for the response. My budget is below for each month is below. I transfer €900 to a joint account to cover rent, esb, gas, food and magnet TV & internet. Incomings € 2,046 Outgoings Joint Account € 900.00 Loan € 395.00 Meteor € 58.60 PTSB Visa € 507.00 AA road Watch €...
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    Should i consolidate?

    Age 23 Employment Banking Sector Gross Income €28,350 Property renting - €650 per month Savings Nothing right now Pension: yes Spender or Saver: Spender My Question/s: I currently have a loan for €16,000, credit card with balance of €2500, second credit card with €2000 and an...
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    Consolidating debts - Credit Cards & O/D

    Hi All, Just looking for a bit of advice. I currently have a loan for €16,000, credit card with balance of €2500, second credit card with €2000 and an overdraft of €500. I was thinking about applying for a loan of €5000 to clear the two credit cards and O/D. I'm currently able to make the...
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