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Paying off a cc - can you get a deal?
Hi all, Hopefully not a silly question, but I'm in the position where I can pay off my cc's. Question is, if I offer to pay off the balance in full, could I ask for a reduced total balance due to the length of time I've been with the cc company, and how much interest they've made out of me? If so, any chance of getting…
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Credit card cheque question
I owe my brother just under 2 grand and now he's asking for it back for a deposit on a house asap. I have looked at the possiblity of writing him a cheque that came with my credit card (virgin) as this seems that i can pay him and have 13 months at 0%apr. I should be able to pay this full amount back within the 13 months.…
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Real life Martin's money dilemma on my CC
Quick story: Bought something pretty expensive on a credit card that I had just taken out because it had 0% on purchases for a year. This was 2 months ago. However, the transaction has not shown up on my statement. I have phoned the shop and they have the money so no problems at that end. This means that the problem is at…
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Credit card charges
Is there any set template letters for claiming charges back of credit card company’s like you can for the bank accounts on this site duz any one no thanks
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Is there a credit card that is guaranteed to accept me?
Hi everyone, I've read similar threads but haven't had any luck so I'm making my own one. I'm having real problems getting a credit card and I have no idea why. I need one for work (have read a smilar thread and we don't have a 'corporate' credit card and sometimes I have to pay for hotels which I can't stretch to with my…
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Breaking the law?
Thanks for the useful replies. To the others: why bother?
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Double Alliance and Leicester 0% periods?
Hi to all, I'm not sure if this is a fluke that happened just to me, but if not someone else may benefit. I must stress that if this turns out to be just a one-off, I apologise now and would be happy for my post to be deleted. Basically, I got an Alliance and Leicester credit card. It is a Visa and comes with a cashback…
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reducing cc interest rate
can anyone advise me on what to say to my credit card company's to get them to reduce the rate. we have 15000 on three separate cards virgin, egg and Halifax all but 2k will be payed off with a consolidation loan they are all around 16% which would be best to keep?, which would be easier to get to reduce the interest rate?…
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Protection if buying through paypal
Hi, Can anyone advise me please? I have heard that some card companies will not help if you buy something through paypal (funded by the card) and it doesn't arrive. A few years ago I had this problem and did get my money back through the credit card company, but I think rules may have changed. Can anyone tell me which…
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Cancelling a credit card before I activate it?!
I would like advice please but there is a bit of a story behind it so bear with me! I had to spend £5000 and there was a delay before I got it back, so I paid it on a credit card. Then the bill came and still no £5000 so I applied for the ICICI credit card to do a 0% balance transfer after reading Martin's balance transfer…
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Beware Internet Shoppers
This is a warning to all internet shoppers, on 4th May i ordered a tv from duck.co.uk, I was told that the tv was in stock and would be delivered within 10 days at the latest, they would call me by Friday 11th May to give me a delivery day and time. I was given a tracking number to use that could be typed in to the web…
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Credit Card Fraud involving Blizzard Entertainment
Blizzard Entertainment are a reputable games company. I or my wife have never bought anything from them directly. I have 3 CCs. We are currently using one regularly, another is for foreign trips and a backup one. On the Back up CC which we haven't used since Feb 2007, I just noticed 3 fraudulent transactions made to…
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56 days int free?
Hi, This might be a daft question to ask but could someone pls explain this concept of 56 days int free on purchases on halifax one card when the intro period is over and you have a 0 balance. Thanks
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Should I close or keep it open ?
I'm hoping some of you more knowledgable people can help me ! Firstly im a DFW, I have two credit cards with Natwest and Barclaycard, a store card with Argos and Homebase and a storecard with Next. I have succesfully paid off my Homebase card and my Next card and im wondering if i should now close these accounts or keep…
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bt please help
i currently have about £600 debt on my credit card< car is due MOT this month estimate £150. I have due to bad circumstances had to completly rebuild my life for me & my 2 children othwerwise i would not be in this position. In my mind i have been thinking i could transfer thi debt to a 0% balance card so it would give…
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Sony's official American Express Credit Card from MBNA
Does anyone know of this Credit card offer? This is a better deal than previous Sonycard offer. They are now offering 11,000 pulsebeats when you apply. Read the details below: You will be awarded 11,000 Pulsebeats once you have been accepted for the card and have used the card to make a purchase or balance transfer within…
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Barclaycard charges
I just got a Barclaycard statement and they have charged me £12 for being overlimit. The reason I went overlimit is the interest, not my transactions. All my transactions happened before the interest was added. Are they allowed to do that?
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Please Adivse...
Hello, im new to this balance transfer business, so would welcome any help. Im trying to take advantage of the 6.9% for life deal, i've taken the balance off my barclay card well all but a couple of a hundred pounds which im hoping to clear(this is what money expert adviced). now this is were im getting worried because i…
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Returned Payment Fee??
Hi, I am slightly confused by one thing which is mentioned in the terms of all cards I have seen - Returned Payment Fee. What incurs this fee? Thanks in advance
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closing credit card account question
im paying my credit cards off and closing the accounts will closing the account affect my credit rating in a bad way, someone once mentioned to me that it would
