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Defualts
Good Morning People, Ive checked my ttttttttttttttttttttttttttttttttttttttty
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citi bank credit card?
I've been offered one of these cards, anyone know anything about citibank?
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Which Card Provider will give me a high limit?
Hi, Just wondering if you can give me some advice. I'm buying a flat this month, and to fund some of my funiture purchases I would like to use a BT card or a 0% purchases card. When I first move here 3 years ago I was refused credit cards a few times(M&S and LloydsTSB), but that seems to be fine now, got a HSBC one in Feb.…
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Will having a Secured Loan affect my credit rating?
Hey guys, im about to get a Secured Loan which involves my home. What i would like to know is, would having a secured loan affect my credit score? Its just that in the future, i would like to apply for credit cards, and im wondering whether having a secured loan would affect my score, in that i could get rejected by credit…
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Disgusted; Halifax Visa
I've just tried to make a £25 online purchase but had my Halifax Visa card declined:mad: I had a limit of £9k and last month decided to clear my balance all but £400. I've contacted the card customer services dept. only to be told that my credit limit was reduced because 'I'm a high debt risk'!!! I've just paid off £8k. My…
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Nationwide CC, are they MBNA in disguise?
I'm sure I saw a post once which listed credit card companies and the bank they dealt with, but I have searched this thread and can't find it. So sorry if this is a repeat, but I am wondering whether to apply for a Nationwide CC - but not if they are part of the dreaded MBNA empire! Can anyone shed any light on this…
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Selling Endowment-do I Pay Tax?
Sorry, put this in wrong section, though it is credit card related in that I will use the money to pay off my credit cards debts once and for all I hope. Still keep looking over my shoulder thinking I'm going to come a cropper and still be in debt, it's very debilitating, isn't it?! Here's the question, also put in the…
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Unrecognised transaction on Credit Card
Hi all, I was checking my credit card account this morning and noticed a transaction for £465 which I was pretty sure wasn't one of mine. The payment was made to H & H Bancroft Ltd in SE1. I googled them and came up with a wine merchant addressed in London, SE1. Now, I was 100% sure it couldn't have been me! I phoned up…
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Vanquis - a very silly question but my head is like cotton wool today
Hi, Sorry if this has been asked before and apologies for having a cotton woll brain too. I am planning to appply for a vanquis card in order to help build by credit rating for the future; I intend to buy my groceries with it each month and pay off in full each month too. I am a little baffled by the following; Interest…
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Help needed.. I've done something stupid!
hi guys... I tried to get a 0% credit card but got rejected! So I checked my credit score (it was fantastic 2 weeks ago) and today it's below average! Basically, I had 3500.00 on my credit card and my folks loaned me 2000 (which I'm paying them back) to bring down the debt with Barclaycard leaving 1500 on the card. I then…
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What is the best credit card to get for buying goods in America???
Hi Everyone I would greatly appreciate any advice anyone can give me regarding my current situation. I import good from America to the UK and live in the UK. I must spend probably around 2000 US Dollars every 2 months. I was previously using paypal or my Morgan and Stanley credit card to purchase my goods but somehow…
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Credit/Debit Card Fraud - What Part Does It Play
Now .... before you think OMG :eek: ThankYouAndEnjoy! has gone CrAzY - Could someone answer me this question?? If Debit/Credit Card Fraud was completely irradicated (and i mean worldwide) what effect would this have on the Economy?? * Would companies report lower profits? - If you think about it, a percentage of profits…
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Barclaycard Offer
Barclaycard have sent me an offer of 0% on purchases until Jan 2008 also 0% BT. They tell me they're making this offer because I am a valued customer. Don't worry - I'm not that gullible!! I haven't used my card for several months now - I think this offer is because of the pending card fee which they're introducing in…
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Barclaycard upgrade - what's the catch and why?
I got a strange letter from Barclaycard this morning, which I'm hoping someone can enlighten me what it's all about. To explain a bit first... I've had a Barclaycard since I was 18 (now 23) and have never had any problems. I always clear the balance in full each month. My current card has until June 2008 to run. Then I got…
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post office credit card no fee for purchases abroad
Hi all the post office credit card has free purchases abroad http://www.postoffice.co.uk/portal/po/jump1?catId=19400177&mediaId=34100665 what do you guys make of this ? is it better than the nationwide one
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Egg Balance Transfer Query
Hi All, This post relates to the Egg card (not Egg Money). Looking to apply and transfer a balance onto the egg card (currently 0% for 12months). If I do not pay off the whole balance by the end of the 12 months, is interest calculated from the 13th month onwards OR from the date of the transfer (i.e. month 1). I am…
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Advice on most suitable credit card please.
My girlfriend and I are moving to New Zealand for 10 months from July and then plan to travel are way back to England arriving back in August 08. My girlfriend plans to take out a credit card for the following reasons: Emergencies (sp?) Hiring cars booking flights and hotel rooms if a debit card cannot be used Any reasons…
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A&L Credit Card Rejection
Hi Everyone, My brother has just tried to apply for the A&L credit card and been turned down immediately :mad: The perfunctory message said a letter would be in the post to confirm this but I'm assuming it won't explain the reasoning behind the rejection. I was just wondering if anyone had any insights into their…
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Curious..what do creditors actually 'see'..?
..On your credit report? Do they get a full report exactly as we see it and are they actually able to view outstanding balances from other creditors? Any other items that can be viewed .? Just curious Terry.
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reclaiming charges from debt collection agencies?
I have 4 credit cards, RBS, Egg, Barclaycard and MBNA. I was off sick for a while and couldn't keep up with the payments and now they are all at debt collection agencies. I have arrangements set up with them all and I am now making the payments. My question is can I reclaim the charges made to my accounts for missed…
