-
MBNA - payment protection that we did not request?
Hmmm, I hope someone can advice me here :o We transfered a balance over to the MBNA platinum card, we also used it for purchases but we were making payments above the minimum payment so that was all fine. Now, I've been going through the statements whilst organising all our paperwork and have noticed that they have been…
-
whats the best things you've been offered on cancellation?
Hi, I just phoned MBNA to cancel my credit card, as I'm not using it anymore.. its had a nil balance for months. I get transferred to the membersave/cancellation department, and when I told him I was cancelling as I don't use it anymore and I've already got two other cards (MBNA was for clearing a balance from another…
-
turned down by capital one
I thought I had a very good credit score - have just looked at my experian report and everything is green so why have I been turned down? I have quite a few credit cards that are no longer used, but dont think I have ever been refused credit before. The only thing I can think of is when I applied I put down the address of…
-
Quick Question - storecard - topshop
Hi I have a top shop store card, does anyojne know if i can do a balance transfer on it or use it online at other shops? Thanks
-
Best 0% balance transfer deal???
Hi, Me and my fiancee want to put our credit card debts onto one card, which will accept a transfer from bother of us, we only need to transfer about 4,000, and ideally would like to do it on-line if possible. We need all of the ammount transferred, and not part.Does anyone have any reccomendations?Thanks,Gareth.
-
Credit card protection query please help Martin
Hi all, I hope Martin reads this!!! Here goes!.. Back in 2000 at the turn of the millenium I lost my mobility and hence my job and home which came with the job. I had to claim on the payment protection plan I had ticked on the box of my MBNA card. I must say now at the time they were great and dealt with the claim very…
-
Credit card protection query please help Martin
Hi all, I hope Martin reads this!!! Here goes!.. Back in 2000 at the turn of the millenium I lost my mobility and hence my job and home which came with the job. I had to claim on the payment protection plan I had ticked on the box of my MBNA card. I must say now at the time they were great and dealt with the claim very…
-
Marks and Spencer CC
Hi All, I am thinking about applying for this card and would like to shift my entire debt of £7k that I owe on my Virgin CC - I know that they will put a credit limit on but how do they calculate this does anyone know? I dont really want to go through the application, get accepted (hopefully) and then find that they puat…
-
Student Credit Card
I am considering applying for a credit card for University (mainly to improve my credit rating). Now, I have considered Egg's card but have found a Student Credit Card by Barclaycard. I like the idea of getting no mail from Egg, as I will be away and have the option to check my statement on-line. Egg's credit limit is £500…
-
Credit score not worth the paper its written on.
After checking my credit score, (with the credit ref agencies) and found to be POOR/AVERAGE. I was always reffered to lenders in my so called catogry. These being Capital One, Vanquis etc. I have in the past year been sucessfull in getting an A+L premier direct account, Eggcard, Egg money card, M&S &more credit card 0% A+L…
-
Morgan Stanley CC 3% cashback NOT BEING HONOURED
Following Martins advice for cash back credit card a month or so back I applied and received a Morgan Stanley CC. The initial cash back is 3% on purchases within the first 3 months and then 1% from month 4 onwards. All went well until I noticed that Goldfish (now running the Morgan Stanley Cards) are applying 1% only. No…
-
Cancelled Credit Cards on Credit Reports
Hi all I've been working flat-out on paying off my (too many:o )Credit Cards. I've paid off 3 altogether now, cancelling the last 2 of these a few days ago leaving me with just 4 cards now with smallish outstanding balances:j I haven't applied for a new card for yonks(for obvious reasons) but want to get a 0%…
-
Balance transfers - don't get caught out by the small print
Trying to save a few quid I took out the Barclays 0% deal, got accepted, received the card, set up a direct debit - or so I thought - and paid the first statement by cheque. Turns out it takes Barclaycard 8 weeks to set up the direct debt (not my experience from any other accounts) so I 'missed' a payment and Barclays have…
-
halifax vs hsbc 12 months on purchases
i am debating whether to get a halifax one card with 12 months on purchases or the hsbc ? Can anyone tell me what kind of credit limits they have got on these cards i need about 5000, i have a decent credit history?? can i achieve that or will they give me a card with a limit of £500??
-
cash advance abroad
Before going on holiday i topped my credit card up with cash.But i returned to find i had been hit with cash advance charges.Also used to withdraw as much as u wanted now limited to 300 quid another nice little earner for the nationwide as u get hit eveytime you take money out
-
Halifax late fees - is this fair?
I took out a halifax 0% for 9 months card, as I'm getting married in Feb, and thought it would be handy for putting my dress etc on. I had about £500 on it, and made a payment towards that at the end of May, of £150 ish. A few days later, I went onto digital banking, and saw my statement, dated 30th May, with minimum…
-
Egg Card
Hi I have just recieved my new Egg Card. I do not have any major debt, so I do not need to use the O% on offer. Has anybody any suggestions how best to use the card? As I said, it has 0% until August 1st 08, with a 3% balance transfer cost and 0% on purchases but only until November, this year. It only has a small limit of…
-
Halifax Credit Card Charges
Does anybody know if there's a charge to get a credit balance refunded from a Halifax Credit Card? Cheers, Dave
-
Credit Card Rejection - Advice Needed Please!
Hi All, I recently applied for a Capital One card to transfer my balances. I was rejected for this card. I found out it was becuase my Dad had "mistakenly" wiped me off the electoral role! (I have 2 other credit cards) I am now registered again (Electoraal Role), so should I appeal against the decision on the card or apply…
-
Halfords Edge Card
:rolleyes: Has anybody had a halfords edge card my son has just taken one out and I have noticed on his statement something of a 10 months payment plan. Is this just the minimum payment he has to pay or is this an insurance cover on payments. Theres not much information on the statements. Any help greatly…
