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Downloading Statements
Can anybody advise which credit cards allow you to download statements into Excel or MS money? many thanks
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Make a payment - When does interest kick in?
Hi, I guess I haven't understood a major thing in Credit cards. Right now I have a M&S Credit card. I have a balance of £1000. If I pay just £100, do I have to pay for the remaining £900 interests? Or is it free for some time period(?) until the interest kicks in. I remember how they say you could purchase stuff for free…
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Can I transfer a balance from someone else's card to mine?
Hi folks, My wife has a couple of grand on one of her credit cards that is shortly to lose it's 0% interest rate. I was wondering if I could apply for a new card with another company in my name (I have a better credit rating) that has a good interest free balance transfer deal and transfer her balance onto it? My wife…
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vanquis visa being bloody cheeky
Every week I got a leaflet about vanquis visa and I binned it. Like everyone else I had a good laugh and then chucked it in the bin. Today I get a bloody agreement to sign and send back???????? Now is that cheeky? Or are they desperate for customers! And have you had the same happen to you????? Or any credit card Company…
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Sainsbury's Credit Card
Hello everyone, I am new here so Hiii! I have a bit of a problem with Sainsbury's Credit Card, I got one of their cards back in 2003 and have since paid it off and closed the account. But every year I get a statement for £20.00 "Payment Protection" which drives me crazy. When I call Sainsbury's they say its nothing to do…
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Tesco 0% on purchases and balance transfers
Has anyone else seen this deal? It just seems too good to be true :confused: I was on the tesco website and found "0% interest on all purchases and balance transfers¹ until the 1st March 2006, 15.9% APR typical variable." http://www.tescofinance.com/personal/finance/finance/creditcards/index.jsp If right then this seems…
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I got caught out
I recently had the June statement for my Abbey credit card. which was coming to the end of its six months interest free period. It said that the balance was £1533.89 and the estimated interest on the next statement would be £20.01 [this was the first statement to show any estimated interest] The payment date was 3rd July,…
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Should I give security code over the phone?
Hi, wondered if anyone knows the answer to this one. I was ordering monthly contact lenses from Specsavers this morning, as I have done many times before. I always pay for them with my credit card and give the sixteen digit card number and expiry date. Today they wanted the security code as well. I didn't give it and they…
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Morgan Stanley Interest Rate Robbery
Hi Everyone, although I often check these boards out this is my first post so be gentle with me! I hope someone can help. I've had a Morgan Stanley platinum card for several years now and although I had payment difficulties a couple of years ago I have been paying them fine since then. I have been paying 16.9% APR for…
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HElp! Capital One Circle card charging
Just had my latest bill from Capital One and they've charged me £19.09 interest because I didn't pay off 47p of the bill. They refuse to see this as unreasonable. They say they charge interest on the full original amount on the bill if you don't pay it all off, not just the amount you leave on there. On the back of the…
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Unable to get a credit card. help please
Hi, I'm new to this board and would like some advice please. I currently hold cards from HSBC, Lloyds, halifax and barclaycard and they were approved when i was a student. I now need a card with a cashback program as I usually use it for all my shopping. I've applied to citibank, scottish widows, mbna, amex, and…
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Lloyds TSB rewards American Express credit card
Hi to you all, It's my first post so please be patient. Right I receaved my new lloyds tsb rewards american express card this morning. Cancelled my old platinum and upgraded to this. Been spending all afternoon updating all my internet shopping account to this new card only to find not one site takes it!!! Rand lloyds up…
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Egg 0% nearly up, now what?
Hi Was wondering what the forum recommends. The 0% on my Egg card expires at the end of September and I'm thinking about what to do about it. It has a o/s balance of approx £13,800. I have one other card, Virgin, which I'm stoozing. It's 0% expires Feb next year and has a balance of £9,500 which I have on deposit. I also…
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No Late Payment Charge
Does anyone out there know of a credit card that has no late payment charges or are significantly less than the £25 average? Had one from HSBC some time ago but they charge now. Big Wig
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DCC- an innovative service tool to cater to your personal needs
DCC, the acronym for dynamic currency conversion. it is a new customer service tool that looks after your personal needs by allowing you to pay in your home currency while travelling abroad. i was outrageous having seen the so-called one-sided comments on DCC. here is one of my personal experiences that I’d like to share…
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2 Late Payments - will my credit rating be affected ?
Last month for the first time ever, I was late making payments on two of my credit cards and was charged £20 by each company. I phoned to explain and was told as I had never been late before, they would refund these charges. This month, I paid on time, but mistakenly underpaid the minimum amount by £20, and HSBC has…
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Ebay fraud. Can I ask my CC company for a chargeback?
Not sure if this is the right place. But do hope someone can help. Bid on a digital camera and paid by PayPal 20 days ago but never receive it. The seller seems to have numerous excuses. It cost me more than 200 pounds. For this seller, only "standard purchase protect" available. i.e. ebay will cover no more than 120…
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EGG Cashback
What happens to the cashback that`s due to be paid in Sept if I cancel my card now?
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'Hitting them where it hurts!"
Recently, I received charges on my card (Marbles, that is now paid off) for some on-line transactions that 'rightly or wrongly' I don't believe I should have received. What would be the best way to eat into the companys profits? As I have now paid off the money, I was thinking along the lines of making a negligable…
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How long do CC companies take to respond to letters.?
Hi all I suppose all are different. But I had to write to MBNA and Halifax 2 weeks ago and have not had a response. How long would you suggest I wait before I put a chasing call? Terry
