We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

We're aware that some users are experiencing technical issues which the team are working to resolve. Thank you for your patience.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Credit cards

Archives for June 2005

Halifax One Credit Card
D'oh... Applied for a Halifax One credit card over the phone and received an acceptance letter this morning. However on closer inspection I saw that whoever had taken my details had got my date of birth slightly wrong. I thought I should phone up and correct it (thinking that if they couldn't match my details to my credit…
charges following missed transfer
Hello Posting this on behalf of a friend who instructed AMEX to pay off his MBNA outstanding bbalance. He was told the payment would have happened within the next 10 days. After two weeks he saw no transger, rang them up and was told nobody had executed the transfer. It was then reissued and reached the account in a…
MBNA bought by Bank of America
http://news.bbc.co.uk/1/hi/business/4637591.stm Bank of America, the second-biggest bank in the US, is to buy credit card firm MBNA for $35bn (£19.5bn). The deal will double the size of the bank's credit card operations to 40 million accounts. Bank of America said the takeover will involve 6,000 job cuts, but gave no…
Need desperate Help...
i currently have a credit card debt of £2000 at 10.9% interest. My credit rating is not billiant as i am a student, so was wondering if anyone could recommend a solution to reducing my payments. A nice 0% balance transfer would be lovely but are there any that offer this to mediocre credit scores? Please help!
Do CC companies legally have to keep records?
Folks, I was looking for a little advice please. Im have been having some problems with Egg and am in the process of one last letter before I involve the Ombudsman. Reviewing my finances a while ago I noticed I was paying for repayment protection on my card. I never use on any card and honestly dont recall asking for it.…
M&S Storecard
Advice needed please. I was shopping for clothes in M&S. When it came to paying I was offered to open up a storecard and get a 10% discount. I gave out my name and bankdetails but I have just noticed that the address was written down incorect. Is there any chance a card will be sent out and if it falls into the wrong hands…
Who has your credit card numbers ?
Hi, Not sure if this thread should be here or under consumer rights BUT I would like to know what your rights are regarding companies who retain your credit card number: 1. Sainsburys online shopping holds my cc number 2. I once ordered from "Bombay bicycle club" (indian takeaway) and the second time I ordered, the person…
MBNA - Omnipresent?
Hi I've recently applied for and been refused a Virgin credit card because I already have an MBNA credit card (with a zero balance) and Virgin is owned by MBNA. I have also recently opened an Alliance and Leicester Online saving account in preparation for a new life of 'Tarting'. I was told that if I closed my MBNA credit…
Joining Electoral Roll & applying for an account
Hi. I am due to join the rolling register on the 1st July. If I ring up my local authority on the 1st and they confirm my details have been added, can I apply for credit that day without worry? IE: will a credit check pull my details straight from the electoral roll, or from a 3rd party credit company like Experian or…
Stoozing have I missed something
Hi all Hope I am using the correct terminology here ie Stoozing. I have just read something elsewhere on this site that is making me question if I have misunderstood something. I read that if you have a 9 month zero interest card that when you get close to the end of the 9 months you need to move the balance to another…
Quiery re: Yorkshire Building Society Credit Card
Recently applied for a Yorkshire Building Society Credit card for the Cash back. I have been accepted, but the limit is a lot lower than what I usually get offered. It is a Cooperative Bank Credit Card, is there something wrong or do Cooperative Bank usually offer really low limits.
Credit Rating
I currently have 4 credit cards with about £30k stoozed, one of them is about to run out and I have to pay back £11k. I tried to get another card but was refused and the reason they stated was I was over committed. Once I pay back the £11k how long do you think it will take for this to reach the credit agencies and for my…
Capital One 18 Months?
Hi all anyone else found this problem? I was lucky enough to find one of the 18 Month 0% forms :j about 3 months ago. Applied rescently as my egg card is due. Cap 1 have sent back a new application forms as 'they had problems with the application'. This one offers only 9 months @ 0%. Spoke to Cap 1 and they say its due to…
£5k is it mine?
i have a credit card which i rarely use. I have noticed that i am somehow £5000 in credit!!!!!!!! I first noticed it on my last monthly statement, however I just this month's statement and it still shows me as £5k in credit. I know its not the balance available as this shown at the top of the statement and is a different…
£5k is it mine?
sorry this was entered twice
Section 75
Bought 2nd hand car (£7500), paid £250 on cc. Had towbar fitted. 16 days later car broke (major engine failure); I 'rejected' car under sale of goods act (having first checked with TSO). Dealer said 'not my fault, see you in court'; have written to CC for a refund under Section 75. Questions are 1. Can I claim (from cc)…
Bit of advice on getting my first card
hi, Im thinking of getting my first credit card to help build a credit rating.Id like some advice though. Firstly... im 19 years old i have only been in my present (full-time) employment with Tesco for nearly 5 months earning approx £12,500 a year pre-tax. Stupidly 4 months ago (pre-MSE days) i applied for a tesco credit…
Cancelling and reapplying for credit cards
I've got about 5 credit cards that I dont use. If I cancel them, will they allow me to rejoin in a few months time? Also, I had a Barclaycard that I applied for in december and arrived back in January with 9 months 0% on balance transfers. I havent activated it yet, so would it be possible to activate it and get the deal…
When will people learn it's not the number of credit cards but how you use them!
Click reply to discuss Martin's blog entry.
Halifax CC - customer care/compensation query
Hi all - not sure if this should be here or in the vent forum, it may become more of a vent as time goes on! I have a Halifax visa card with a DD from my Natwest bank account to make the minimum payment to avoid missing any. No problems there. However, a second DD to Halifax appeared on my account with a reference number I…

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

View All

Credit cards

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

Credit cards

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free