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HELP! Credit card score
Hi im new to this website and forum, Im really glad I found it it’s a great reource that everyone should use. In fact they should teach this in schools lol Well my problem is that I cant get a card with Hsbc anymore due to a low credit score of 65. I use to have one before 6 months ago along with a student account I still…
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chargeback help.
bought a car off ebay, described as a good car etc. car is not roadworthy, cant see out windows, not that it would do any good in the dark as headlights dont work. clutch is ruined also as well as many other niggly bits, them main three i have had a garage feruse to do the work and another quote £1100!. bought it through…
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Cap One no fee BT offer to April 1st 08
Could I ask if anyone applied for the cap 1 no fee 0% BT to April 1st card as I did recently. It's still mentioned on Martin's suggestions but to me it looks like the deal has been taken away. I checked with the 3 main agencies just before applying and confirmed high scores with all (top 80% - I've never missed any…
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Revealing credit card details through e-mail
Hi, Sometimes we have to make bookings through e-mail, for example rental cars/hotel bookings. For all the bookings that I have made so far, they normally require two things, the 1st of which is the 15/16 digit card number at front, and 2ndly usually the expiry date of the card. One that I have dealt with does not require…
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Please help - probably a silly question
Hi, Can someone tell me if you can pay a credit card balance off with another credit card and whether this is treated as a 'cash' transaction (ie expensive) or just a purchase? I'm thinking of doing this to avoid paying extra balance transfer fees. Any advice gratefully received Buggins
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Excessive credit card interest - advice
Hello, My partner has a lot of credit cards (nearly £40,000 worth) and is currently paying for e.g. around £200 per month per card but only clearing around £20 in total off all his card balances because the interest rates are so high (he also has missed payments on them and so gets charged for letters etc). We've tried to…
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Paying off credit cards
Can anyone help - I have some spare cash to pay off my credit cards in single payments. However, I don't want to pay off the full amount because I want to save to cash from my debts. If I call up and negotiate to pay off say 75% there and then will they write off the remaining 25%. Does anyone know if this is worth a try?
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MBNA Credit Card
Hi, I took out an MBNA credit Card 7 years ago and all was well until 3 years ago when i had trouble with repayments. After receiving loads of calls from MBNA, i caught up with the repayments. Once i agreed with MBNA to catch up, i noticed on my monthly statements that my account facilities had been withdrawn. The question…
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OK - So I did a stupid thing but....
I paid my credit card balance off another family members account with the same card provider in error :o :o As a result I incurred interest - however the account was in credit for almost 5 weeks. Both accounts have always been paid in full and on time since the year dot and have never incurred any interest. Am I be…
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Vanquis - beware interest charge
I have been a good lad and have been paying off my statement balances, mainly because I am terrified of the near 50% interest that applies on this card. To my astonishment, I was charged 75 pence!!! last month when it was obvious I had paid off my current and previous statement balances. I telephoned Vanquis (at a cost of…
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Beware - Late Payment on 0% card - interest charged
We currently have a 0% interest MBNA card. Last month partly due to the postal strike and the fact we were away for a week our payment was two days late. For this they charged us a £12 fee. However, they also charged us interest, which was a lot more than £12!! They were also going to remove the 0% completely but we rang…
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Barclays 0% - Poor credit limit?
Hi, I applied for 2 credit cards with 0% deals on them over the last few weeks. The Barclay card 0% for 14 months (2.5% BT fee) and the Capital One 0% until April 2008 (no fee). Received both of my cards the other day. Capital One has a whopping £8300 limit on it, the Barclays a p*ss poor £1050. I rang barclays who said…
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Credit Card Repayment structure bad for Consumer
Martin, I am wondering if you could write an article to help clarify the way that the money you repay to a credit card goes to clear off your debt you have on it. I have a couple of cards, (RBS Platinum and Halifax One), and Halifax One are up front about the way you get charged interest, and the way that your repayments…
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Transfer Bank Acc & Balance Transfer
We need to transfer our credit card balance to a new card within the next 3 months but also need to change our bank account (bank changed conditions of account which will cost more in fees). We have had the bank account for 6 years and this was our first credit card. I guess we would be best changing the card first but…
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New Abbey Credit Cards Not Sent Out !
Hello, My first post on here. Well over 2 months ago I applied for one of the new Abbey credit cards, the one with the extra cash back for shopping at supermarkets until the End of Jan 08. I was made aware of this card by emails from this site, I immeadiately applied online to save time. I was accepted, but I have been…
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anyone got their gift form barclycard yet??
hi all i opened an account with barclycard a while back when it was advertised on martins homepage for i think £50 vouchers, i spent the money within the time i needed to but have not got any thing yet. done a search and cant find the old thread any ideas anyone??:confused: cheers all xx
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WRONG REF: very stupid any advice PLEASE
having recently taken up an 0% offer of a balance transfer to barclay card on the 1st repayment i accidently (i know this is the stupid part) entered the wrong refrence number on a bacs payment from my bank and this was returned to me as soon as i realised i chaps a payment with the right refrence but this was a day late…
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Capital One must think I'm a mug
I recently applied for a 0% card from Capital One. I have a resonable credit scoring, but the application was rejected. Since then I've been getting letters saying I've been pre-approved (I feel so privileged!) for one of their cards - with a 34% interest rate :eek: ! I'm going to be sending the one I had yesterday back…
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3v cash cards
they are a secure way to pay online and only the limit you purchase can be deducted from the card which is great because it cannot be abused by others and it is not a credit card but in conjunction with irish life and visa.. a prepaid visa.. which helps people pay their bills using the visa facility over the phone or…
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£10 per statement
My bank First Trust in northen ireland just tryed to charge me £10 per statement, i was asking for aug and sept as iv not been receiving them, what should i do thanks
