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Big brother is watching you
I'm impressed...I think. Just been booking some rail tickets on-line using my Egg card, and managed to get the expiry date wrong, so had to re-enter it. Immediately the transaction went through, my phone rang and I had an Egg computer taking me through the last 3 transactions asking me to confirm each as valid or…
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experian
hi i signed up for the trial on experian got what i wanted to see then cancelled. but i can still get access to it. does this mean they haven't cancelled me or do you still get the full 30days trial even if you cancel right at the begin thanks
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question about new m&s card!
hello all, just got my letter through today from m&s - - the one you have to sign and send back... however, in the information sheet, under 'other financial information' it says... 'Total charge for credit £174.77. The total charge for credit is based on the assumption that you spend your credit limit (or in some cases an…
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Tesco CC - Unfair Terms & Conditions
I have a Tesco CC and recently made a payment late by 1 day. So I got charged interest on the items on that statement(which I had to accept). When I received the next statement I noticed that there was another amount for interest, apparently for the items on this statement as I had not paid the previous balance on time. So…
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need advice regarding new balance transfer away from Virgin
Hi! I did a balance transfer a few months ago from Mcard to Virgin and unfortunately I was very silly and did not set up a direct debit, to make things worse I had a couple of late payments which resulted in now being charge HUGE interest rates (approximately £25 a month). This means that I am now worse of than before the…
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Post office credit card free balance transfer to end!
I have just heard from a friend who works for the PO that they are to end the free balance transfer on the 2nd of October and start charging the usual 2.5% fee. They are increasing the 0% period to 8 months on balance transfers and reducing the 0% on purchases from 6 to 3 months. Also the limits seem to be more generous…
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AOL/MBNA credit card
My son in law reminded this weekend about the points system with this card. Like me he uses his card for everything and settles it every month in full. He has accumulated a lot of points with which he pays his AOL monthly fee. I remembered that I used to have one and have spent a lot of time today trying to get someone to…
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Leaving the country and cannot repay credit card
Hi - I hope someone can help me please I am emigrating from the UK in the next six months. I have a credit card balance at over £10000 that I know that I will not be able to repay. I was hoping to be able to cash in my pension and repay it but I've been told by my pension company that I cannot cash in my pension until I…
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Help please. Financial association means my application is declined
Hello everyone I hope someone has some advice for me. I have - according to my credit report an 'excellent' score but - and here is the crunch - since last applying for a financial product my OH has got major financial difficulties and my application was rejected due to 'association'. We have a joint mortgage which has no…
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How to pay off Credit card debt when disabled and unemployed
Hello, I'm hoping someone can help me out here - not sure if there's anything that can be done but I'm getting desperate. I am registered unable to work, but don't get any help from the state because the disease I have is variable and so they keep cancelling my benefits if they think I'm getting better, forgetting that I…
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"UK banks' online sales efforts fall flat" - thoughts?
There's a report over at Finextra that claims that none of the top six banks + building socities (Barclays, Halifax, HSBC, Lloyds TSB, NatWest, Nationwide): Thoughts?
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HSBC Debit Card, Cheque Guarantee No?
I am making a cheque payment for an item and they are requesting a cheque guarantee number to be enclosed as well. Please could someone inform me which is the cheque guarantee number on my hsbc debit card? There is one large main number on the card and also a 9 digit card number at the bottom of the card, so which one to…
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Newbie to MSE
Hello Have been lurking on this site (and DFW) for a few weeks and have a question I'm hoping someone will be able to help with. Have just transferred 3 cards (Mint, Capital One and NatWest) - totalling approx £2K onto HSBC 3.9% for 6 months. As an aside all 3 companies discovered they had 'special deals' so I should keep…
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Cash back from refunds????
Hi all, I have just received my AE plat card this morning, am going to be using it for as much as poss, however, if I am refunded on an item, and the refund goes back onto the card, do I still earn the cashback?? Thanks in advance
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just got my PO ccard
whoohoy! just got an acceptance ltter to say that PO will give me their cc. They have accepted the bal transfer as well 0% for 6 months. that will save a bit of interest anyway!
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Credit Card that we can't pay off!!!
Hi All, My husband has a credit card account but destroyed the card 5 years ago in the bank (the account has never been used since then). We were having financial difficulties (still are) and have been paying back the £1,500 balance since then, making the minimum payment as we can't afford to pay more. The bank had agreed…
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Fraud..
Just has a call from my card issuer this morning asking whether I've made any big purchases this morning. It would appear that my card has been used fraudelenty to order clother in excess of £1000. Apparantly it was used yesterday to order £300 of clothers from Abercrombie.com which was declined and a couple of other token…
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credit card limit reduced with no notification
Hi I am new to computers and forums but I dont know how to seek advice, Skycard has reduced by credit limit to less than half what it was put up to by them three weeks ago, they did not inform me until i contacted them, it cause a major embarrisment when i went to use the card. i always pay the card off after each…
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Has the credit card company forgotten me??
I have (had previously) a credit card debt about 3 or 4 years ago, at the time they agreed a token amount to pay, I think it was about £10 per month, I paid this for a few months, was on benefit and studying full time at uni and with things going on at the time I soon forgot to make the payments and they havent been in…
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0.482% monthly interest = ?
Sorry for the basic question. Do I just times this by 12 to find the apr? 12 x 0.482% = 5.78%, or is that too easy? :o Maths was never my thing. :confused:
