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M&S 100% limit BT
I'm a bit surprised to learn that M&S will allow 100% credit limit to be used for a BT and it's left me wondering whether this will force people to go over their credit limit when the monthly interest is applied? Has anyone taken 100% limit BT and can explain how it works regarding interest and payments please?
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Beware - Your Card limit may reduce suddenly
I have had a card with Sainsburys for many years, and at the end of last year, I paid in a large sum of money, and as if by magic, my limit reduced leaving me about £15 to spend. I complained, asked many pertinent questions, but they stood firm, and were a bit evasive. This Month, I made a further deposit, and once again,…
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Payment Care
Hi In Payment Care's Eligibility Criteria, they mentioned that you need to be permanently resident in the UK. When are you considered a permanent resident in the UK? I have been living in my present address for more than 4 years now but only has a dependant visa until next year. Please can you advise. Regards lessworry
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Can I reclaim charges from an old credit card?
Hi all, I had an Egg credit card up until a year ago and I know they charged me loads on it. Am I still able to reclaim these charges? As claiming bank charges is going well I want to claim from others that have charged me. Many Thanks Gary
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Credit Card's (need to re-build credit file)
Hi there people! New boy on the block here, i'm trying to re-build me history a need a card for expense use. Three years ago i went bankrupt and am now clear and have been for nearly three years, discharged the lot. But obvously cant get a card. I was thinking of applying to Capital one or Vanquis, has anyone had any…
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Cancelled my account all of a sudden!!!!!
Hi there, Was wondering if you guys could put my mind to rest. I recieved a letter from Mint last week saying that after reviewing my account they have decided to close it and have given me 30 days notice. I was quite shocked as I only recieved an increase (though a tiny one) in my credit limit last month. My credit…
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Moving a loan to a credit card
Apologies for what may seem like a very stupid question (I am not very good with money, hence why I am thousands of pounds in debt!). I have £6500 left on an Egg loan which will finish in March 2011. The rate is 6.9%. I have also recently applied for the M&S credit card with a 4.9% rate for the life of the balance. Am I…
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0% period ends - what to do?
My Egg card's 0% period ends in 1 month time. I have a debt of £1600 with them. What should I do now? From MSE point of view [1] I can pay them the £1600 and get a new credit card which gives few months of interest fee purchase [2] Transfer £1600 to a new credit card and continue stooging. But I think all card companies…
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how long for a transaction to come of a credit card?
i brought an expensive item on my cc last month aprox 12 april the payment has still not come on my cc thing is on the recipt for the big item it said cancelled on the bottom ? on the recipt you get from the little chip and pin machine? any ideas?:o
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Credit Rebuild Question 3
hey guys do u know what banks update the credit ref agencies every month as to your acc, i know that halifax dont also do use know any other companies outwith banks that update ure credit file, ie car insurance, electricty/gas companies? i know virgin/Ntl do
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Credit Rebuild Question 2
hey guys do u know what banks update the credit ref agencies every month as to your acc, i know that halifax dont also do use know any other companies outwith banks that update ure credit file, ie car insurance, electricty/gas companies? i know virgin/Ntl do
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Tesco Credit Card...Not Impressed at all!
I've just applied for the Tesco Credit card that's currently listed as the best balance transfer for 12 months. Online application form was easy (tho it didn't ask if I had any other cards) plus it gave me an immediate decision at the end of the process (sucessful) BUT then it said that my credit limit was £400!!!! I was…
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Credit Rebuild Question 2
hey team if i open a basic bank acc, how long if i run it well do u think i could ask for an upgrade , if i have no charges etc ?
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Credit Rebuild Question
Hi Guys can anyone help, im a guy tring to rebuild his credit history, apart from sub prime cards eg capital one etc, what other products can i use to build things up for a guy with a low credit score? say a small mobile phone contract or basic bank acc please help
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Virgin CC repayments doubled!
I need to tap into the wisdom out there in moneysaving expert land. I have been on a 12 monthe 0% APR with virgin CC that is about to end with a balance 0f 9K. i have been making only the minmal repayments which i know is far from ideal. They now want to double my repayments. I cant afford to turn it into a loan or carry…
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Confusion on cards statement
My Cahoot card has defaulted or supposed to be doing so, Ive havent paid anything but token payments since January. I am getting all the information on my charges to reclaim but Im confused by something i see on my statements can any one help? It says direct debit payment sums of between £38-£120 going in from jan to now…
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reclaim on business acc
Hi to all, Ihave recieved a negative response from Lloyds tsb in respect of reclaimnig bank charges on my business credit/debit card. Firstly they have stated that there are new guidelines published by "OFT" in respect of default charges. 2nd, They informed me that my claim was rejected as the charges made to me where in…
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Cancelling a credit card, but still spend on it?
I have come to the end of a 0% on spending with one of my cards and wish to cancel it. As it was registered with loads of companies (such as eBay and Amazon), I'm sure I'll miss some of the accounts when I remove the card number. Am I right in assuming that if I accidentally use the card after it has been cancelled the…
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Help required
Is anyone able to provide me with telephone numbers to apply for one of the following cards: Monument Aqua Vanquis It doesn't take a rocket scientist to work out that I'm am trying to rebuild my credit history, but cannot find any numbers for them. TIA
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Sainsbury's Credit Card
Are they allowed to do this? I opened an account with a 0% balance transfer offer for 5 months. I made credits to the account regularly until last month I saw that the 'next month's estimated interest' had a figure in it - indicating to me that the 0% deal was over. I paid the outstanding balance in full by the payment…
