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Visa Debit , charge back query
I went on a gambling site and deposited some money , i lost half of it and so i went to withdraw the rest of my money , i had not won a penny. Well 3 days later i get an email saying i need to send documents to get my own money : • Signed copy of the Declaration of consent of purchases. (see below) • A copy of the Front of…
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What card to choose?
Hey there, I am about to make a large purchase (plane ticket) and to do this I need to open a new Credit Card. Now I know what you're thinking... silly idea considering I've only just paid off my old one, however, I will have the 80% of the money to cover the flight by the end of the year, so it's not too bad... and I…
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Tesco being generous?
I use this to get Tesco points and whenever I spend on it, I generally stick money on it via internet banking. This can be up to 10 times a month. Last week, or the week before, I put over £300 on it. Whilst this has come out of my bank once, it appears on my online Tesco statement twice! Which is great, but I was just…
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Credit Card Shuffle, again! and again and again ...
Driving home tonight I had a kind of eureka moment. Could someone tell me if the following is possible, and if so, for how long it might work. Would it adversly effect my credit card rating? I have two credit cards, both at a standard rate, no more intro offers and no amounts sitting on them with special rates attached. My…
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What should I do about my Egg card payment?
I've just put though a BT request with another card company to transfer the full balance onto my Egg card. I now realise I didn't think this though clearly as a direct debt of about £70 is due to come out on the 30th of this month putting my account into credit. Will I get charged for this? Also as an option, if I cancel…
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Card Fraud - how long until it is sorted
Hope someone can help me and that I have posted this on the correct board. I had a fraudulent transaction on my Tesco Matercard on the 30th Oct for £911 to LINK NETWORK LTD NEONO INTERNET , GBR EH11 4GA0 I spoke to Tesco/RBS and they were really nice and helpful. I did the forms and they have credited me the money while…
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Best Cash Back Card at the moment?
Anyone know which card gives the best cash back at present. Looking to buy a couple of Plasma Tv's after christmas so would like some money back. Currently have the morgan stanley (egg) card from last year (3%) sadly the percent from them now is not much at all. Thanks in advance.
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Applying for 0% Credit Card and Credit Score
Hi! I'm new to this so I am sorry if this has been discussed before. I currently have a Barclaycard with £800 on it and a Virgin card with almost £5000! Virgin have just upped the interest to 17% and I don't think I am ever going to pay it off at this rate. Following a couple of years of very poor money management, the…
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Black mark on credit rating if declined a credit card?
I’m a 2nd cardholder on my husband’s Capital One 4% cashback card at present. I was going to apply for one in my name now that the first 3 months have passed, so we can get another 4%. However, as I have not held a credit card in my name before, Capital One don’t rate me as having “good” credit. I rang to ask about it, and…
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Which credit cards offer
bank transfers? So you can transfer money from your credit card to your bank account. Thanks
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Credit Ratings - Please help
Hi everyone. I am hoping somebody can shed some light on how these credit reports work. I am a bit of "card tart" and have been doing so for several years. I have a good credit history, always pay bills on time and I always get accepted when I apply for credit cards. This was until I moved house in April and so it's the…
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Credit Rating Question
Hi guys, The equifax credit rating says mine is a score of 432 which means good. It also says creditors like to see atleast 12 months, but 38 months of history or more is best. I have 2 years and 11 months, so is it waiting one more month before applying for a credit card to do a 0% balance transfer, or will it make no…
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Balance Transfer or not?
I hope someone can help: My November balance on a Capital One credit card is £1037.20 At the moment I pay the minimum payment of £31.64 – on which I pay £9.70 Purchase Interest @ 1.240% £4.16 Cash Withdrawal Interest @ 1.667% My balance on my Barclaycard is £769.03 which is charged at 0.242% (it was a lifetime balance…
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Airmiles vs Virgin AMEX Black - which is best?
i've been comparing both cards over and over and am stumped as to which to go for virgin has the benefit of a companion upgrade, but when i checked it out, it's only for a full/flexible fare (but it's cheaper to get a normal fare for 2 people, so this is unfair). i'd appreciate any recommendations thanks
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Marbles Credit Card
Hi folks Please can you advise me, I'm new here, so I hope I've posted in the right area. I have just received a letter from Marbles, informing me that they have sold their Credit Card accounts to a company called, Aviemore Funding Limited, I tried an internet site to check them out, but can find no information on them.…
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Beware having a good credit history.
Hi all. Although the heading is slightly tongue in cheek there is an element of truth in it. To set the scene I have a good credit history, i have never missed a payment, and have an experian score of 984/1000 and an equifax score of 457. I had a loan (£13,500) which I have now finished paying (3 years early) and a c/c…
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Consumer Credit Act 1974 s75 (1) & (2) - Use Abroad
I'm not sure if this has already been posted, but a House of Lords decision now confirms that consumers are covered by their UK Credit Card issuer when purchasing abroad and there is some breach of contract/supply by the foreign merchant/supplier. see: House of Lords Published November 12, 2007 Office of Fair Trading v…
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Can anyone answer this about the asda card?
Hi all, I'm considering applying for an asda credit card and liked the sound of this bit on their website:* Earn points and get money-off vouchers Everywhere you use your ASDA Credit Card, you earn points (on the first £6,000 of spend each year). These are then converted into money-off vouchers to spend at ASDA. Each year,…
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URGENT! Help needed please....
...I took out car insurance with Norwich Union, and chose to pay monthly, so got put on their finance plan, with Premium Credit while I applied for an interest free credit card. I've got the card now, so I rang them up this morning to pay it before the first payment because it states in the terms and conditions that you…
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Lloyds Airmiles Duo - Anyway hove it.
Hia, Oh dear iv typo'd the heading!!! Iv been offered the above card and want to collect the airmiles. Does anyone have this card?... I want to ask two questions.... Do you get two cards eg: A mastercard and an AMEX If two cards do you get to bills and two limits:confused: Hope you guys can help..... I asked the question…
