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Nationwide CC blocked
Tried to use Nationwide CC yesterday evening and it was declined. Phoned the help line who said there had been a security block put on the card but security had gone home so nothing could be done until today. Rang helpline again today and they had no record of any security block. Tried an online purchase while helpdesk…
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Capital one
My OH used the wrong card and drew out £140 with my capital one credit card:mad: ive only had the card a week so have no bills to go and pay the money back.Can i just take my card into the bank and pay or do i have to have a bill? Thanks.
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English call centres
Can anyone recommend a cc company who have only english call centres? I'm fed up of dealing with poor unfortunate south-east asians who are trying to do a difficult job in their second language, working from a script, from which any deviation results in confusion and reverting back to the beginning. I don't need anything…
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Is 6 years too harsh?
Just thinking out loud really,any reason why it's the last 6 years potential creditors look at when deciding to lend? My credit record is less than perfect if you go back over the full 6 years,but is perfect over the last 4 years and could now easily manage any credit I now have or need. Wondering why an odd late or missed…
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Fraud on Morgan Stanley card
Hiya, I've just subscribed to get some advise on my next step with Morgan Stanley and their complete lack of interest regarding £1000 of fraud on my credit card. Since reporting it to them two weeks ago I've heard absolutely nothing from their Disputes/Charge back department. Is this normal? My replacement card arrived…
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Is there a card?
I have also posted this in loans cos its a bit of both really. I need £13000 which can be paid back within a year. I know there are cards that do 0% intrest but im not to sure how this works as ive never had a credit card before and am only 19. My income is sufficient enough to pay it off within a year but i need the money…
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Cash back - Wrong way round
I have a MS cash back card, it offers cash-back of 1% up to £2000 per year and 0.5% over £2000. I often thought that this was the wrong way round to encourage you to spend more. Surely they should be offering you/me a higher % the more we spend.
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Credit card for students?!
Helloooo, i currently have a virgin credit card, which i got about 2 years ago as an 'emergency card'. Which i was very good at keeping paid off, the odd £25 here and there from online purchases.... Now after a mad summer in Manchester i have £1000 on the card, the interest is about £26 a month which i hate paying. Due to…
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Balance Transfers
Hi all, I was just wondering, is it possible for a balance transfer to goto a bank account rather than another credit card? I was reading earlier and it seems that most places charge 3% for balance transfers but offer 0% for some period interest wise... so if I withdraw the monies from an ATM machine, they will still…
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Can i get a credit card?
:confused: hi, :o i have a bad credit rating due to non-payment on some bills due to health problems and lack of funds. :confused: i order things off ebay and have to send postal orders (hassle in this weather) and also need to loan friends cards to renew car/home insurance as the cheaper deals are always online.…
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decreasing CC limit is it worth it??
Hi people, i am going to move house soon, and apply for a mortgage, i have 2 credit cards (1 with my balance trasfer and 1 just used for emergency etc) i was thinking about reducing my credit limit on both so i be more attractive to lenders, my question is reducing my credit limit will that have any effect? and do they do…
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how to get cash out of new egg money card?
Hi there Me & hubby have both recently got egg money cards - his limit is £3k and mine is £1k. We applied for them after reading here about being able to transfer money into a current account through BT from another card, and would now like to do that as we need the cash if poss! was a bit confused about it all, but i…
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Applying 0% Card
Hi I would like to apply Egg, MBNA, Virgin or Postoffice. How straiten they are in their lending criteria. Please advice me a card which is easy to get for a person who do not have credit history from a long time. I have got barclays and asda credit card since last year july and have never miss my payment. Thanks.
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AMEX abroad?
I have taken out an Amex card on Martin's advice, so that I can buy Christmas pressies for everyone and get 5% cashback. BUT! I'm going to New York in 3 weeks and want to shop there. This site does scare me a bit when you all get all technical -but I just want to know whether I get the same benefits spending on Amex in the…
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Reversed Direct Debit
I recently opened a RBS student credit card and set up a direct debit to pay it off in full each month. This is the first month that a payment has been due (due today) and the full direct decite amount left my current accoun on the 15th. Today i logged on to find that this has been reversed "payment reversed" is on…
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Cashback V Purchases
New to this game so be gentle. Assuming I wanted to upgrade my car with £10K I had in a 5% net savings account. What would be the best option using a CC to make the purchase. i have read many posts regarding cashback cards but fail to see the benefit as opposed to a purchases card. The figures I am playing with are:…
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Interest rate on the card
What is the maximum interest rate that you have ever paid on a credit card borrowing?
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Help Needs - Balance Transfer Halifax
Hi I wondered whether anyone could help me. I currently have a balance on my Halifax credit card. I have just paid off another credit card and therefore have a zero balance on this. I have just received a letter from Halifax stating that all balance transfers I make before 15.12.2007 will have an interest rate of 5.94% for…
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warning bread prepaid card
not sure if this was the right place to post this...sorry if it isn't I finally received my prepaid bread card in the post today ( i have waited over a month!!!) I went on line to activate it when i noticed that the load fee at paypoint has changed from £1 per load to 3% of money loaded!!:angry: the only reason i went for…
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Calculating APR on 0% fee deal
I have just taken out a £10000 BT at 0% for 9 months with a £300 fee , can anyone help me with the APR that this equates too ?? £300 for 9 months = £400 for 12 months £400 / £10000 = 0.04 or 4% APR...is this right?? Thanks in advance,
