-
In Trouble
I have 2 Credit cards with about £3000 of debt altogether. I have just split with my missus and cant afford it, what can I do?
-
Natwest and RBS Group cards. Who issues them?
Hello All, Wondering whether anyone could help me. I used to bank with RBS ages ago back in 90's and got into financial difficulties due to health reasons. I had a RBS credit card which I defaulted and a CCJ was taken against me. I moved house later in the year and used a Account with Natwest . Later that year Natwest was…
-
Egg Money on Holiday
Hi All, I'm off to the USA in a few months and thinking of pre-loading my egg money and using it for spending when I'm over there (as well as taking a limited amount of cash). This is instead of taking an Amex Travellers Cheque card. I realise there will be chages for using my credit card, but think they will be lower this…
-
Credit Card Statemants
hi all, first of all this site is great, but i need some help, i've had my virgin credit card for few years and never paid it ontime so every month i get late charges which are £25 and i just pay them, i dont know how much i've paid in late charges as i didnt keep all of my statements, how do i get all of them?, can i only…
-
using a credit card for travel expenses
Hi I have had a credit card for about 7-8 months now. I got one with Cooperative bank (I try to use them for ethical reasons) which had 6 months 0% interest on purchases. I need it as I clock up hundreds of pounds expenses each month for work, which they expect you to pay up front and then claim back. Sometimes it is only…
-
Existing AmEx Platinum (credit card) customers
I had an interesting conversation today with American Express so I thought I'd write here with the interesting discoveries I've made!! In a nutshell, I am a current AmEx Platinum credit card customer and following the recent non-announcement (well, I only heard about it from this board, AmExx have sent me nothing through…
-
GE Transformation card 12 months 0% balance transfers (Max fee £50)
Has anyone on here got one of these cards and if so how generous were they with the credit limit they gave you?
-
over 10 years debt
Hi, Out of the blue this week I received a reduced settlement offer letter dated 5 July, but didn't receive until 15 July relating to a credit card debt from just over 10yrs ago, which I completely forgot about & then a final demand letter dated 10 July. My question is can I be persued for a debt from 10 yrs ago & whats…
-
Credit Card Payments time limits
Can anyone help me? I made a purchase on a credit card middle of december 05 ( so 7 months ago) But has still yet to arrive on my statement. Does anyone know if there is a maximum time this payment would be valid for before they can no longer charge my card? I would rather not have to pay it, but would if there was no…
-
Help! can't even get a debit card...
Hi there, This is my first post, so go easy on me if I get anything wrong. My problem is this: after a diabolical credit history at university, I now find myself in the position of being a second-class citizen, and it's all my own fault. After five years of being good, making do with an EasySaver cashcard account from…
-
Egg Money & Fraudulent Transactions
I have been using my Egg Money card for a few months now and have just concluded a query with Egg on what I deemed to be a fraudulent transaction on my statement. From my point of view Egg were not in that much of a hurry to resolve the issue swiftly. From this experience it seems that the Egg Money cardholder is…
-
Additional Card Holders
I'd appreciate some advice on how additional card holders work. OH had card with me as additional card holder. This is now closed. If we want to re-apply, how long do we need to leave it? And could I apply with him as an additional cardholder and do that sooner? Advice appreciated - I'm new to this!
-
refused
my 0% is nearly up with halifax and in the last month i have applied for the post office card and today the mint card and being refused for both of them and i dont know why. i have just moved house 4 months ago could this be the reason although they did ask for my previous address, any ideas as to why this may be?
-
question about LOB transfer
can anyone please tell me exactly how a LOB transfer works? do you still get charged a BT fee and how long can you take to pay back the balance? i'm just wondering if it's worth doing something like this to buy a car rather than applying for a loan or taking one on finance. thanks :) ps i would BT to egg money then…
-
Changing T and C Sainsburys CC?
Hi Someone told me that they are changing to make deposits to gambling companies classed as cash advances and therefore not interest free purchases. I myself have not received confirmation of this and wondered if others have. Cheers
-
AAAAGH!!! M&S, P.Office, Asda cards - Advice Please
What a kerfuffle. I applied for a M & S credit card on the phone with a view to doing a balance transfer. Did it a good 6 weeks or so before RBS interest free period expired. Application accepted in minutes. Easy. They sent me the paperwork, I sent it back. They didn't receive it. They sent another lot, I sent it back.…
-
Barclaycard 6.9% not available?
I wonder if anyone has had this experience - I applied for the 6.9% for life rate advertised on the Barclaycard website and it was rejected. When I enquired I was told that BT rate was not available on my card. I've never had so much as a late payment with Barclaycard (or anyone else) so I was a bit surprised. Anyone had a…
-
Card 0% balance transfer - WARNING they can charge you interest without a purchase!!!
Hi all Now I don't consider myself stupid..but I now feel it! I took Egg up on their offer of 9 months 0% balance transfer in Jan 06, and purchases for 6 months. I paid a capped fee of £50 for the transfer and have as Martin has advised spent NOTHING on the card (else they will hammer you for interest)....or so I thought!…
-
Is it right ?
i need to apply for credit card , what do u think if i ring them up any company suppose barclays and ask then what they can offer me and limits etc so then i decide not to get the card , does it really effect on credit history ?
-
Advide on AMEX payments to PAYPAL
Hi Does anybody know if you make a payment to PAYPAL does this act as though it is a payment or as a cash withdraw. Because I dont want to be paying the high APR payments. Or does anybody know how to get money from AMEX so you only have to pay the low APR The reason for this enqire is I need to buy something on the web and…
