Credit cards

Archives for October 2007

Ineligible for Balance Transfer
I have a Bank of Scotland credit card which I haven't used for ages and actually has a small credit balance - about £5. I was thinking of taking advantage of a balance transfer to this card but each time I get a statement it says something to the effect that unfortunately I don't qualify for the balance transfer. Does…
Which card for security? Advice please
Hi, I don't have any credit cards as I just use my debit card for everything, I've never felt the need for a credit card, until now. What I want is the best card for security, which I don't see any other posts about... Best rates, best deals, best cashback etc. etc. but the reason I want a credit card is the added…
Reclaiming 'foreign transaction charges'
I have read some previous discussion on this topic in the forums with the general concensus seeming to be that there is little chance of reclaiming these as they are not penalty charges and are not that 'unfair'. My personal feeling is that they are unfair as the charges are concealed in loaded exchange rates and quite…
Card companies lose refund case
This might be of interest to all those who buy goods abroad on their credit card over the internet Card companies lose refund case Sorry if it's already been posted
Ditch Lv Now!
I've Just Got My Recent Lv Cc Statement; They Are Now Run By Goldfish. They Now Charge To Shop On The Card Whilst Abroad! So I'm Binning Mine As The Nationwide Is Still Free To Use.
M&s
I cant seem to find any threads re M & S credit card. Im claiming from several different card companies and they seem to be the most obstinate of all. How have others fared with them? Can anybody point me towards any threads that have had dealings/success with them? Thanks again.
wht if doing too many credit check
just got rejected by HSBC for student credit card, need some ideas on how to improve my scores i am not sure if it is the case that i've done too many credit checks in recent months, i hv done 7 checks in mobile shops and banks. 1) is that the bank will automatically decline ppl who have done a certain number of credit…
build a Credit rating (Cards)
Hello all. Wonder if you good people could give me advice on a few things. I am debt free at the moment and saving well, I am interested in building a better credit rating as I only had a loan for 3 years to buld a rating even tho the bank said I got a good rating. Secondly my other half has an overdraft of £1600 which is…
Cancelling CC - how long until it appears on credit report?
I have a Goldfish card with a 5k+ credit limit which I will be cancelling next month. How long will it take for that credit exposure to disappear off my credit report? I'm looking to apply for a new card in January and want/need as big a credit limit as I can get then....
Which provider to write to???
Hi all, I have two credit cards that I am attempting to reclaim charges for, one being Barclaycard and the other being a Sky Card. The Sky Card was issued by Sky TV, but the card provider is again Barclaycard. Therefore I have two questions:- 1) Do I write to Barclaycard for the charges pertaining to the Sky Card account…
What credit card traditionally gives the highest credit limit?
From personal experience Egg card gave me £7k, Nationwide £4k, Ulster Bank 3k, Goldfish 5k. Who gave you the best credit limit?
Longest period between statement date and payment date
My MBNA Platium Affinity card has, without specifically telling me, moved my statement date forward 8 days but kept my payment date the same. I object, and intend to change my card. How to I find out which cards have the longest interest free period between statement date and payment date? Keith
Using your Credit card abroad
If you intend to or have used a credit card abroad you may find the following decision of the Law Lords of Interest http://www.publications.parliament.uk/pa/ld200607/ldjudgmt/jd071031/lloyds.pdf In case you do not wish to read the whole judgment the short version is that if you buy something abroad using a credit card and…
Close credit card or not?
I am just checking through my credit reports having managed to go through a few years of good finance after being a poor student and not having a very good credit history. My first credit report looks reasonably good but there are 2 credit cards where I have "1 month" late payments back in 2001/2002. Since then,…
CC Co. wont reduce payments
Hi - i've gotten into difficulty with both my CC's with the cost of repayment. Nobody's fault but mone of course, but i contacted them both, and asked for an absolute minimum payment. Both declined. The reason for this was explained, and its because i used the cards when i was unemployed. I was made redundant, and the only…
Credit card dispute
It's a long story so I'll give you the shortened relevant bits. I recently had a dipsute with my credit card company. I noticed an unauthorised transaction for £700 from a company that I had previously made a payment to. They had retained my card details without my knowledge and took this money several months after I had…
Credit Searches
Two months ago I applied for a Capital One Card, and it was declined. Capital One did a search on my Credit File as is usual, no problem there, but after they decined my application they did another seach, which has resulted in two of my other cards having my limit's reduced. I have asked them and Experian to remove the…
Barclaycard. Advice needed please!!
Hopefully sbdy can advice me on what to do. Barclaycard have increased my cc card from 13.9% to 18.9% few months back.. i only noticed this month..(i know i know should i look at my statement more closely.. i've already called myself all names...!!). When i called they said it's their right to change when they want... I'm…
Amex - if the 4 digits at the front are the CCV, how about the last 3 at the back?
Hi, I was just looking at my Airmiles Duo American Express card. Was wondering, if the 4 digits at the upper right hand corner are the CCV, what is the last 3 digits of the 18 digits at the signature strip for? Thanks.
Overlimit charge
Back in July I was charged an overlimit fee on my credit card. Fair cop. Because of a transaction I'd forgotten about after my July statement was run, plus the interest, it was the same in August. In September, I was narked to notice that I'd been charged again, despite the fact that I was only over by a couple of quid;…

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MSE News

Barclaycard's cutting minimum repayments – you could be in debt YEARS longer paying DOUBLE the interest
If you've got debt on a Barclaycard, it's likely the minimum you have to repay each month will be cut from July. If you're unaware, and don't act, you could stay in debt for many years longer and pay possibly £1,000s more in interest.
NatWest, RBS and Ulster Bank to close at least 100 branches in 2024/25 – here's the full list, plus alternatives
NatWest, Royal Bank of Scotland (RBS) and Ulster Bank, which are all part of the NatWest Group, will shut at least 100 of their bank branches in 2024/25, after RBS announced a further 18 closures.
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New online state pension boosting tool promised to Martin Lewis hit by delays – here's what you need to know
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Spotify to hike prices by up to £24 a year – here's what's happening
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Subway customer? You've got until 14 May to use your loyalty scheme points before shake-up – here's what's happening
If you're a Subway Rewards member, you have until the end of Tuesday 14 May to spend any points you've built up – or lose them entirely.

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