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Cheapest way to get up-to-date credit report?
Hello. Could anyone advise what the cheapest way to get up-to-date reports on my credit scores from all credit reference agencies is? I usedthe creditexpert free trial and have had a report from experian (did that last year before I embarked on my first foray into the 0% on purchases world), and do have an account with…
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Balance transfer. Is it a payment?
Quick question. If I transfer a partial balance from one credit card to another, does this count as a payment on the card I have transferred from or do I still have to make the normal payment on it. I'm guessing it does but I don't want a late fee if I'm wrong. Hope this makes sense. Thanks
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Monument Credit
Hi Just To Let You All Know,i Have Been Chasing Them On Behalf Of My Son, They Have Agreed To Refund Twelve Pounds Out Of Every Twenty Four Pounds They Have Charged Him Over The Past Six Years. They Refuse To Pay Any Interest,it Does Not Amount To £100 So It Does Not Seem Worth County Court Proceedures. Hope This Helps…
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Important Credit Card Question
Hi (newbie here) I have never owned a credit card so need some advice and information on this question.... Is there a credit card out there that i can use to pay into someone else's Lloyds Current Account???? The reason is ask is that my parents have fronted me the money to pay off my career development loan outright and i…
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Egg card
Hi, I just got accepted for an Egg money card, but I am a bit confused. 1) The card is still in postal, just wonder is it a master or a visa card. 2) It say I am given 500 pounds credit limit, but on their web site, it say I have to deposit the money into the card before I can spend it, what does the credit limit do then?…
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is this normal?
applied online yesterday for credit card,not one of the best ones, bad credit, etc.... got accepted, anyway, missed a few calls today, did 1471, its the card company, anyway, they ring again, answered landline, no one there, few minutes later, the moblie, they hung up!! I know its them from number!! Do you think they were…
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Barclaycard offer , doesnt sound right to me
Hi all , I just rang barclays to see about a new APR as ive had my card for over 9 months (I was told to call them after 9 months to see what they can do aslong as i keep my account in order) !!! Now i spoke to a man and he said i cant do that as its not my dept but he can see about a up of the credit limit , he came back…
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credit wanted
Hi, im a bit confused about this whole credit file thing, ive signed upto all 3 credit file agencys, but it doesnt seem to hold any info on a ccj that im supposed to have, i had a letter1 year ago saying my local county council had obtained a county court judgement for £1000, for housing benefit overpayment, (which wasnt…
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How to have balance transfer fees waived?
Hi, I have over £1000 on my credit card (of my own money) in addition to my credit limit. I was intending to have double glazing done by a national company, i had a quote... i liked it and I arranged for the funds to be in post. I then had a change of heart and opted for a local company (who turned out to be £2000…
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Egg Card PPI added to my account without my agreement!!
Hi everyone...I'm new to this site so hope I'm posting in the right place & hope someone can help! I've just checked my Egg card (NOT Egg Money) as I've made a balance transfer & noticed that a PPI payment had been taken from my account. I have never agreed to having PPI as I'm self-employed so it's as much use as a…
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Nectar £30 Offer
Signed up for the Nectar credit card for the £30 nectar points rewards 2 months back. The sods have not paid the full £30 points allowance in one go, instead I'm getting 1,000 points a month instead:mad: :mad: :mad: :mad:
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Changing transaction dates
I've looked for this problem in the existing threads, but haven't come across it. It relates to (what seems to be) a common problem with Egg and their Overlimit charge, but my problem arises because the dates for my transactions have changed from when Egg showed them online to when I got my statement As a result I was hit…
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Sneaky APR increase
I've held a MBNA platinum visa for several years and thought they were generally ok. About 2 years ago i was going to BT to my Mint card to take advantage of their low APR but when i told MBNA that i was going to do this and cancel my card they offered my a LIFETIME rate of 7.9% . Obviously as i thought this rate was v…
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Egg Money - I'm a little Confused
I have just opened an account with Egg Money. And have a DD set up for £800 per month, this is our monthly spend for food, clothes etc etc. But, the reason why i am confused is i received an email from them stating that the DD will only be taken if there is a negative balance. Although the DD setup states to take the £800…
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No decision right away, why?
I just applied for a POst Office cerdit card online and they said they couldnt make a decision and would write to me within 5 days. I dont understand, why cant they tell me right away? I live with my parents, work part-time and earn around £11k a year. I have a platinum visa card and a debit card already.... Any…
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bank charges
i have just recieved my statements for my credit cards so i can claim back charges and they are no where near wt i expected, is there any chance the banks doctor these before they send them out to stop u claiming
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reclaiming credit card charges
i contacted morgan stanley credit card today re reclaiming charges - they said that they were not refunding the full charge - current charge is £12.00 - so if i had charges of say - £20.00 - they would refund the balance - £8.00. Have i the right to ask back full charges incurred. thanks
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Which CC should I apply for next?
About a year ago, to build up a good credit rating, I applied for my first credit card from Capital One. I got it with a £200 limit which I have paid off in full every month. So about 6 months ago I got a Vanquis card with a £250 limit which I also pay off each month in full. I'm now wondering what card I should apply for…
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Any advice please re:credit card company and data protection?
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withdrawing cash from a credit card...
in a nutshell im buying a car for £2500. i've got a current credit card with hsbc with a limit that easily covers this and i've now got a new credit card with m&s &more with a limit that also covers this. i need to get £2500 out in cash from my hsbc card [2.5% cash advance fee] so i can buy the car. then i will do a…
