-
Barclaycard - Just received card need help?
Hi all, Just received my Barclaycard after a succesful on line application. They have given me a £6400 limit, however after calling today to activate my card it has already been closed by the collections dept? What - I only received it yesterday. There is apparantly a note that the applications department want to ask me a…
-
Will I lose 0%
I have just made a late payment to my Virgin credit card. They have charged me £12 which I accept but are there any hidden penaltys? I have recently done a balance transfer to this card which charges 0% over x amount of months. Could I lose the 0% Thanks Ste
-
Capital One - 1st Credit Increase
Hi In September I got a Capital One Classic CC to help build up a credit rating after years of not having any credit accounts. I was aware that they increased your credit limit on your 4th statement however I've just logged on to view my account and my 3rd statement has just been produced with a £200 increase in my limit.…
-
Barclard's Alleged £25 deal
I took out a Barclaycard when recommended on this site as Barclaycard said they would give me £25 withing 28 days of my first purchase, they confirmed this in an email to me that I had qualified. However over 30 days have passed since my first purchase and Barclaycard haven't credited me with my £25, and more worryingly…
-
Bank of Scotland One Credit Card
I am quite new with Credit cards so any help asap would be greatly appreciated. I have this credit card for one year. The introductory rate of 0% for purchases ended 3 weeks ago. Now, it is about 20% APR. I only use them for purchases. When i checked my recent statement, there is a value on the next month's estimated…
-
Barclaycard Don't Keep Promise
I took out a Barclaycard when recommended on this site as Barclaycard said they would give me £25 withing 28 days of my first purchase, they confirmed this in an email to me that I had qualified for the £25. However over 30 days have passed since my first purchase and Barclaycard haven't credited me with my £25, and more…
-
Advice for newbie please
Can someone please confirm the following for me please? If I transfer the balance of my credit card to Citibank taking up their Life of Balance Offer I pay a fee for the tranfer and thereafter no interest, never? I can then make regular payments on the balance until its finally paid off? I can put the Citibank card away…
-
Is this sensible: better to borrow for 6 months than withdraw my ISA savings...
I owe Alistair Darling £7500 by the 31st Jan next month :eek: Now, I have 2 years worth of mini cash ISA savings (~ £6200 increasing by about £30 per month), and I have around £1500 surplus each month so actually paying my tax bill isn't a problem. However, as you probably know, once you withdraw from an ISA that's it -…
-
transfering a balance from a current account
Is there a way I can transfer a balance from my debit card account to my credit card account. I have done it before with Abbey, but im with HSBC now and they don't transfer from current accounts.
-
Nationwide verified by Visa problems
Hi Have had major problems with Nationwide credit card "Verified by Visa" registration. Each time tried to register it said my DOB was wrong and go into a branch, so went in today, all my details are correct but they said ring card help line to check. So ring card line, have to get OH to do it as he's the primary card…
-
credit card recommendation
hi, i am hoping that someone can advise me as to what my best credit card option is. I am currently a student, working part time and earning around £3500 a year. I have a good balance in my current account and an ISA. I am looking for a credit card to be able to purchase things online. I will always be able to pay off…
-
"Price Protection" Cards
Does anyone know of any credit cards that offer price protection (where you get the difference back if the price is reduced in the future) please? I know there are still some store cards that offer it, but I can't find any general credit (or debit) cards? x
-
Balance Transfer Advice Please
Hello, I would be grateful for some balance transfer advice. My DH has been offered a good 0% deal which he would like to use to pay the car loan. They originally issued CC cheques but subsequently wrote saying a longer term would be available soon so we held out for that. Now the cheques are invalid and they say we can…
-
Abbey credit card 5% cashback period extended?
Just received letter from Abbey credit card - extending 5% cashback rebate (on £1000 supermarket spending) until 31st March (previously 31st Jan). Give me the opportunity to get the max £50 cashback.
-
Just a quickie.
I would like your expert opinion, I have two credit cards with zero balances on them (I got them to take advantage of Martins e-mail tips), do I close the accounts or do I leave them dormant for the time being, I ask because of the "credit crunch", I don't know if the media is hyping this up a wee bit, but at this moment I…
-
I want to buy something on credit card but on payment plan
I got into a bit of trouble with Mint, am paying off £1 per month. Current balance £3104 credit limit £3200. I need to get my daughter a new car seat which costs £80 - I'll have to order it online, I have £40 cash, and my sis is putting £40 towards seat, so will be able to pay card back tomorrow. I don't5 have a debit card…
-
Reclaiming charges question
Hi all, I wrote to Nat West in October requesting a list of credit card charges I'd paid in the past six years, using the template letter. They replied promptly, but rather than tell me how much I had paid they offered me around 120 quid, and said that I should consider this their final response. I phoned up their charges…
-
how do you close account ?
I am paying off my credit cards in a week or so.(big balance)with the card being at maximum i have not been too worried about cc fraud. Is it possible to suspend the account straight away to ensure it is not used. I am worried that they may ask for written confirmation and the card may be used in the meantime,we are having…
-
to bt or not
nat west have offered me alife time BT at 6.9% plus a 3% fee. the BT i want to do is quiet large would it be better to take a loan at 6.9%. because the actual interest charged will be higher as the retail balance is 18.9% and the 3% will be at that rate. any advice
-
credit card management gone wrong - please help!
Hi All I'm new to this, although am an avid reader of the website and often get advice from here and act on it, although this time I've got it wrong. I have massive debts and mortgage, and basically have supported my family for years by just re-mortgaging my house, or moving and making money etc. (I'm a single mum).…
