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Credit Score OR Credit History ?
What matters most ? Score or History ? If someone have less score but never miss his payment and got good credit record then how will lender asses him.
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New customer? and BT to my bank account
Hi I was a Vurgin CC customer. I cancelled my account (my online aco!!!! now says my aco!!!! has been cancelled) Can I rejoin them? If so how long shoudl I leave it before I try? I am looking for a long period of 0% on Balance Transfers only so I can move my current account overdraft amoutn over. I know you can do this on…
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Credit loading for large purchase?
Hi folks, I have a low limit on my credit card (£2000) with no balance. I am looking to purchase a new kitchen (£6000). Would I be able to load £4000 onto the card and pay using it? Will the original £2000 credit limit come into play even though there is a credit balance (£4000) on the card? Thank you
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Vanquis v cap one
Right then here is my rant! I have both of these (guess who has a bad credit history<<<<<) I read somewhere on another thread that someone rang in to vanquis and asked them to lower their APR which they wouldnt so he asked them to cancel the card which they did! I just rang them they said no to dropping my APR and no to…
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How will this affect my credit score?
I hope I've posted this on the right board.... I'm not strictly a newbie, I read more than I post! :D During my first marriage (which ended in divorce seven years ago now) I ended up in a hell of a lot of debt which led to 6 or 7 CCJ's. Once the marital home was sold all these debts were paid off. I knew my credit rating…
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Esources subscription charge to CC. Can I reclaim it?
Just this morning I checked my email and to my horror there was a notification that www.esources.co.uk had taken £39.99 from my Credit card, via Paypal, for another seven months subscription. I had forgotten about it and had not cancelled the subscription but is there any way I can now reclaim this charge back via Payal,…
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Unfair Over Limit Charge?
I have had an Amazon credit card (through Halifax) since the end of August, but havent received any statements so far. As a result, I got a call yesterday telling me my payment was overdue, and I was over my credit limit by £16. The late payment fee has been removed after protest, but the bank is still charging me £12 for…
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Is this correct?
I wonder if anybody can help me with this. At the moment I am going through a outgoings-cutting exercise. I have a personal unsecured loan with HSBC which includes the usual unemployment/ilness premium. I decide that I have no real need for this, so asked for it to be cancelled. I was told that the loan would have to…
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Same Credit Card Issuer
Lets say if i have got a Asda card which is issued by Ge capital what are the chances of acceptance if i do apply for PayPal or Ge money which is Also issued by same lender.
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Bt Mbna
I took advantage of the fee free day on Wednesday with MBNA cc and did a bt request on line. However I have just noticed you can only bt transfer 95% of credit limit. Does anyone know do they bt up to this percentage or will they sometimes allow you do 100% or reject your request. The deal I have is 0% until July 1st 2008…
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Good Credit Limit and Instant decision
Which Credit card gives Instant decision with good credit limit. what was you experience please share with us as i want to do some balance transfer.
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Credit Searches in a Month
Hello and this is my first post on this forum, i hope i will get lots of information by staying here . How many credit searches are fine in a month ? Is that ok if we make 1 or 2 searches in a month. Cheeers
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Am I liable for my mothers debt???
HELP! I've been trying to sort out my mother's credit card debt for about a year now. I finally got to the point of offering a percentage settlement to them all (17 of them!) which didn't amount to much each particularly the lesser ones. They are refusing the offer and suggesting she keeps up the £1 per month each that the…
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Avoiding charges for using a credit card
Does anyone know how to avoid being charged for using a credit or debit card when buying over the internet? I recently booked a holiday and was staggered when a £9.95 fee was added simply because I'd paid for it in full using my credit card. In my opinion we have no alternative to pay this but it would be so nice is Martin…
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Abbey 5% cashback card DDs
I've just received my conditional acceptance letter, etc. However, I noticed that the DD mandate didn't have anywhere to specify either the minimum payment or full amount. So I rang up. Evidently, as the card's interest rate is 0%, they don't have to give a choice and set up everyone on just the minimum payment. However,…
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What am I supposed to do? Great News They said sorry
I have had my First Direct bank account and credit card for 17 years. I have never strayed outside any agreed overdraft/credit limits. I have been ill with ME/CFS for about ten years and am living off savings. I tried to start part time tempwork which has not worked I am just too ill. I have had to make the decision to…
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Using Egg Money card to avoid CC Surcharge
Hi guys/gals. I am looking to pay off my Holiday using a Credit Card then do a BT to the RBS 0% for 13 months offer (Which I have just received in the post!). That would be great if the Holiday company didn't want to charge me 2.5% Surcharge for using a CC! Now, here is how I think it can work: Use RBS card to do a BT from…
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Advice for reducing balance
Hi. Haven't posted here for a while but could do with some advice now. I have a small-ish amount of debt, one being a car loan with £3750 left to pay and the other being a credit card with a balance of £1770. Despite being 0% on transfers for 13 months I've only managed to pay about £150 off in the last 6 months, this is…
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Unknown credit paid into my card account
Deleted Thanks
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paying back a debt after its been passed on
hi, i had a capital one card and it got passed on to debitas. the first women i spoke to made out i had to pay back the whole amount at once and was extremely rude i hung up on her. the second guy i spoke to was quite rude as wel but he said over three months. and i got him to do it over 6 months. im paying about 90 a…
