-
Do credit report entries ever get removed ?
I have just got my credit report. The are a number of items on there marked as follows. Credit Balance: settled Credit Balance: £0 Can I assume that the settled ones are closed down ? I have a bad habbit of taking out store cards, then never using them again and think I might have some left open
-
Credit Score and Credit Cards
Hope someone can help here, I am having a bit of trouble getting credit. I have checked on my credit scoring report and found to be in the low 400's. Now I am being rejected as I think there have been too many searches done on me. What Can I do to try and repair this. I have seen a card Capital One Classic Visa Card * No…
-
Using credit cards in australia
I'm going to be travelling around OZ soon and was wondering if anyone has been and what experiences did they have when using their CC? I'm wondering if they use chip and pin and if you need to bring any ID when using it in a shop (like spain)? I'm planning on using my Lombard Direct card to avoid the 2.75% Many thanks
-
Halifax credit card 6.95% life of balance cheques
Hi, has anyone else had these sent to them by the halifax? It says that there is no handling fee to pay on this offer. That would make it a good offer then seeing as my M&S has just finished the 0% offer (now 15.9%) and I cannot get another 0% card. I'm going to make sizeable repayments each month too. what do you think?
-
Help - credit rating :(
Hi everyone I'd like a bit of advice/insight regarding credit searches. I've been working for the past 6+ years and have never had a problem getting credit cards with £6k+ limits. In 2003 I got my first 0% card as I was starting a new job and needed to buy a season ticket for the train and was also starting a Masters…
-
Halifax decreasing my credit limit but I'm already near it - help!
Hi, My Halifax Classic credit card's current credit limit is £1,450 but they've written to me to tell me that in 2 days it's getting changed to £700 - does this mean I'm permanantly overdrawn until I'm back up to £700? Admittedly I've been paying varying amounts over the last few years, often the minimum, sometimes up to…
-
Withdrawing cash on credit cards
I have read on here (somewhere) that you should NEVER EVER EVER withdraw cash on a credit card - but do you think I can find it anywhere? D'oh! Can someone please enlighten me as to what the penalties are for withdrawing cash off a CC? My not so clever husband thinks it's a good idea to take out a credit card and withdraw…
-
Amex joining fee
Martin recommends Amex for the cash-back. From reading the joining literature they seem to want £75 as a joining fee. Am I mistaken??
-
Credit Card Fraud HELP!
A friend of mine, rang me yesterday as he knew I use this site and isn't online. He and his ex wife divorced 3 years ago, but she is still opening credit card accounts in his name and trashing his credit rating by not paying them. Any solicitors out there, how can he stop this? And how is she doing it as he hasn't lived at…
-
Quick mint question
I cancelled my card last year. Does anyone know how soon I could reapply - I can't see anything about it on their website (perhaps not surprisingly). Thanks.
-
Regarding Pre-Paid Credit Cards
Hello, :wave: :dance: Have you guys heard about pre-paid credit cards? Can you explain more of it to me, this seems to be my only option. I am setting up a shopping website and need a credit card but i'm unemployed and dont have anything close to a decent amout in my bank account! I have checked this website:…
-
It depends who you speak to.......
As my 0% period is due to end next week with Lloyds Advance card (originally 18 months at 0%), I paid off the balance and phoned to close account - or take another 0% period. First person I spoke to didn't know if further offers were available. Next person said that 0% offers were only available to new customers. I…
-
Why does this happen?
Why do people get Credit Card after Credit Card and build up huge debt's yet I can't even get a life of balance Credit Card to sort my Debts out? It's not right...
-
Threaten to cancel your Barclaycard and you get £30 in vouchers
I just rang Barclaycard to cancel my card (as I had just opened up a cashback credit card) and was put through to the customer loyalty team. The lady offered me £30 in high street vouchers not to close my account as she told me there were new exciting things coming up. She said that the vouchers would be with me in the…
-
Need another 0% without fee
m&S 0% due to end on 24 April so thought I should be applying for another One about now.( owe about £3000 and could pay but would prefer to keep it in P bonds if I could). I already have HSBC 0% thats OK till august time. Also have Barclaycard that I use for purchases only that I pay off each month. A few weeks ago I…
-
Egg Card Green APR!
Can someone tell me what the APR is for this card! I'm sure it is 12.9% but would like a confirmation from someone in the know! :D Also does anyone know of a site/calculator that works out an APR by just typing in the monthly rate? :confused: Thanks very much! SS
-
balance transfer for O.A.P
Hi can anyone give me some advice, my father is 78yrs and has a balance of £1200 on his credit card. He only pays the minimum amount each month. I have tried to do a balance transfer for him but had no luck. Anyone else tried to do a BT for a retired person ? any info appreciated.
-
Turned down for CC-please advise
I wonder if anyone can give me any advice. I don't really understand how credit scoring etc works but we have just applied for a Sky Card a few days ago but I expect we will get knocked back because last night I applied for a Mint card and then a Sainsburys card and got knocked back both times, Just before Christmas we…
-
mbna ryanair card free flights ?
i wil get a free flight on balance transfers of £1000+ to my ryanair card,im wondering if i do the transfer and then clear it after getting the flight,cost is just the transfer fee and a bit of interest? or is there a catch?
-
MBNA increase BT fees again..
[From 1 April] going to 3%, £75 capped with £3 minimum..
