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1st credit card
right i am now trying to rebuild my credit score and have applied to vanquis for a card, what is the likelyhood of my application being successfull this will be my very first credit card
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Credit scoring: why do I always fail?
Any advise please? I always seem to be declined for cards with decent freebies, such as the new Amex Nectar card; the GE money card; the BMI card ... The reason given is always my credit score. And no: I don't make frequent applications. I did a certain amount of stoozing at one time, but since BT fees came in it has just…
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Post Office Credit Card Lost My Id!!!
Hi, I recently applied for a post office credit card, I had to send them 3 forms of id, one of which included my photo driving licence. Anyway I sent them off making sure the envelope was sealed with sellotape. Couple of days later I recieve a recorded letter containing two of my ids minus the photo card. I rang them up…
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Which DCA for Royal Bank of Scotland?
Hi, Does anyone know which Debt Collection Agency is used by Style Financial Services? :confused: Style Financial Services are part of The Royal Bank of Scotland Group and are storecard providers. Thanks ;)
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Credit Card Fraud
Got a letter this morning from my credit card asking me to call them urgently regarding fraud. I rang them up as I was worried as the card in question has not been used since last year - I cut it up to stop me spending! They told me that someone has tried to make various purchases on the card including one for £700 and…
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Beware MBNA balance transfer practices
Hi all, just thought i'd let you all know about a recent experience i had with an MBNA credit card i already held. I was cold called and asked if i wanted a 0% balance transfer for 9 months - i didn't have the details of the balances i could transfer at that time so i asked the caller to call the day after. When i…
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Cannot Get A Card
Hi, I Cannot Seem To Get A Credit Card Even Though I Don't Owe Anything, It's Really Annoying, The Only Ones That I Am Offered Are The Ones At @29%. I Have Done A Credit Score And Still Do Not Understand The Problem. I am now having to resort to a prepaid card instead. Any Suggestions? Thanks :confused:
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M&S More Credit Card Online Account
Just found out today that the M&S More Credit Card now allows you to open an online account to view your statements and pay via the internet. Thought I'd share it. Cannot see other threads on this, and knew some people were waiting for this to be enabled.
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Ulster Bank Balance Transfer - Feel I've been tricked!!
I took up the Ulster Bank BT offer, got my card this week and rang up to do the BT. HOWEVER, I was told that I couldn't transfer the balance because my current card is issued by Natwest who are part of RBS (as are Ulster Bank). Did anyone else know about this?! Because I thought Natwest were part of "The Big Five" and…
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Student Card Choice
Hi! This is my first post on the forum but have been lurking about for ages. I've been trying to order stuff off the internet from America recently but none of them take any of my Maestro debit cards! I need a Visa type card to make the occasional small purchase, I've never had a credit card before, can anyone reccomend…
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Help with Tesco Visa Card
I had a balance on my tesco visa card of £2269.00 I had paid £2154.00. Leaving a balance of £115. This was only because I didn't know what the balance was at the time of paying. I then received my statment showing that I was charged interest of £58 but on the bottom of my statment is said that if I don,t pay that amount my…
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Claiming Credit Card charges.....
I was wondering if anyone can help.... I am in the process of sending the standard template letters to reclaim credit card and bank charges. Some of the credit cards in question have been passed onto debt collection agencies who are now handling some of these accounts. Do I send the letters to the debt collection agencies…
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Refund to different credit card
If I buy something using my AMEX and then return the goods to the shop for a refund, what happens if I get the refund back onto another card eg Visa? The shop assistants don't usually check if the card is the same as the one that was original used - can anyone see any problem with this?
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What Scores More Point On A Application
What scores better on a application, below are my OPINIONS just wondering how much of a difference in getting accepted/declined the following answers can make? What do you think, what are the facts? 1) Homeowner or living with parents in my opinion living with parents says that you have more disposable income as you have…
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pink35
hi i have been overdrawn on my credit card for about 3 years.how can i find out how much iv been charged and how do i claim it back.
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pink35
hi i have been overdrawn on my credit card for about 3 years.how can i find out how much iv been charged and how do i claim it back.
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Paid off balance, interest still added.
I recently used some investments to pay off an existing credit card debt of over £7000. The money reached my CC company on March 9th (it was due by March 15th) yet on the statement, dated 21st March, interest has been added (I have recently registered with this CC company's online service allowing me access before the…
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Credit card advise
Hi, I am hoping that someone may be able to answer a couple of questions I have regarding credit cards. 1. In the event that you default your credit card payments and your account is passed onto a debt agency, can the credit card company continue to charge interest on the outstandinng debt? 2. I intend to reclaim unfair…
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Best course of action for repayment
Hi all, i've recently come into some money (£3500) and would like some advice on how best to start paying off my debts. The balances are as follows; Loan - £2000 (10 payments remaining) (In descending order of interest) Barclaycard - £1800 Natwest Mastercard - £3000 Virgin Credit Card - £4000 I'm not sure where to start,…
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Tescoclubcard credit card
Tesco card 0% to expire in May, has anyone in same boat managed to get them to extend period or offer 0% on tesco purchases? cheers
