-
Full credit card number on receipt!
Hi all, Not sure if this is the right forum but just needed to ask a question I went into a Texaco Petrol station this morning and when paying asked for a VAT receipt. When I looked at it just now it had my full card number and expiry date on it. Is there anything that says they should only show the last four digits. I…
-
Underwriting Question
hey team i have a few questions i am a guy trying to build my credit rating 1. i already have a capital one sub prime card if i go to apply for another one, say vanquis and the look at my file and see i already have a similer card, say capital one card, would that go agaisnt me? 2. i know im being generic but could anyone…
-
Which platinum Card to choose?
i have recenlty checked my Credit Score from Experian and it came out to be 867 (FAIR) out of a possible 1000. In the past one 1 year i only have 2 searches done and 1 was done recenlty i.e in march which has bring my score to 867 from 920. I currenlty hold a Natwest Classic card with 750 Limit but i wanted to have a…
-
Credit Search Question
hi there again how many searches over a given period start to affect my credit score as u know im trying to rebuild my credit i know that say i applied for 10 thing in a month that would be bad but would 1 application per month be ok i know that searches stay on file for 12 months the rumour ive heard is that every 3rd…
-
Citifinancial
Hello All The wife has had a letter from Citifinancial telling her that she has been pre-approved for a mastercard with 0% on balance transfers until Aug 08 (3% fee). She is unlikely to be approved for a credit card with other banks so this looks tempting. Has anyone had any experience with Citifinancial? Cheers
-
Credit Card debt after death
Hi all, I desperatley need some advice, my farther in law died suddenly last week and now my mother in law is really worried what is going to happen to the debts. He has a few credit cards, one of which he owes £4,000 on, the others are relativly small, they own the house together and have a few joint bank accounts, is she…
-
ASDA vs M&S credit card
Apologies if this is in the wrong place, but I really need some help. I'm currently debating between an ASDA credit card and a M&S &more credit card. The M&S card pays 1% cashback (or voucherback) for money spent on it in M&S, and 0.5% voucherback for money spent on it eleswhere. Does anyone know what % voucherback the…
-
CC or Loan?
Howdy First timer here. I'm pretty frugal (tight as my wife calls me) so I've never really had any debt/loans apart from the mortgage. I'm thinking of switching to a diesel car so could do with £5000 ish to make the purchase. I was wondering if anyone would recommend tarting from one card to the other at 0% or going for…
-
EGG Card
Can anyone help me with this query please. I got an Egg Card 4 years ago and the APR was 12.3%. I used it on and off and eventually ended up with £3000 on it. I started paying back at £100 per month but after 6 months Egg put the APR up to 16.9%. I called them to ask why but got a smugg person on the other end of the line…
-
any info?
i probably know the answer but will ask anyway. I am currently with pay plan and the largest debt being for a £11k loan but with interest the toatal outstanding at the moment is around 15k. as this has been passed to Blair Oliver & Scott (the banks debt collectors) should the interest be part of the amount owed? as i also…
-
Bankruptcy and Pre-Paid
Greetings people. I am an undischarged bankrupt with a 7 year restriction in place. (I was a bad mutha) The cash only scenario is beginning to get on my nerves. I have a very basic deposit account with Halifax. Firstly, I want to get a Pre-Paid card. I will be using it abroad, as well as purchasing things off the net…
-
0% on purchases - longest credit card deal
Hi there, I use my credit card for everything in our house and generally put £1000 a month on one. I cannot seem to find the 0% purchase deals for credit cards on Martin's tips? cheers Wel
-
Credit card interest question...
Hi guys I just need a quick question answered if possible. I have a HSBC credit card with a debt of £2000 on it. I currently pay a £55.00minimum repayment. On the bottom of my monthly statement there is a section which reads - Interest on Standard Balance (purchases) at 1.240% per month - £25.35. Can anyone explain what…
-
Tranfering load to card
Anyone know of a 0% 12 month balance Transfer card which I can transfer my loan onto? I owe about £8000 and it would be great if I somehow could pay off loan company with a card then pay card back over 12 months. Thanx for any advise. Sky
-
debit & credit card use abroad: can anyone fill me in on the missing details?
I'm going away for a few months and have been doing a bit of research on which debit and credit cards would be best to take with me. Almost everything I have read (including this site) says that Nationwide are by far the best as the only fee they charge is 2% on credit card withdrawels. I don't envisage needing to withdraw…
-
which is easier to get?
a loan or a card? I think a card, after looking at loan sites!
-
Please help re:credit card, really worried!
Hi all, Ive never posted before (although ive been lucking on the site for nearly a year), i hope im posting in correctly. My husband has recieved a formal demand for a barclaycard debt which thinks is from around 8/9 years ago for the sum of £716.56. He thinks that some of that is from charges, but doesn't have a clue of…
-
easy get credit cards?
are some cards easier to get than others? r.e, credit checks? I have one with my bank, recently applied for Tesco card, got it, then got turned down by Virgin!! I know there is a link on main board to which credit agencies they use, couldn;t see tesco though!!
-
Credit card with additional benefits?
I currently hold a couple of cards I don't really want anymore (amazon halifax card and natwest) that I'm going to cancel, and I was thinking of getting one that had included benefits. I have an MBNA Platinum Plus card which supposedly gives purchase protection, and some insurance benefits, but I can't use that as its…
-
Highest Credit Limit
Hi All, Have been doing some pondering of late, (word never thought i would see in print ha ha) i have amassed quite a significant number of cards and my highest limit is £16,000 with Cap One. Average limit £9,500 All my cards are standard and was wondering were i was in relation to everybody else. On another note i do…
