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Credit Card Help
Hi Am looking for some advice re my credit card. I have had a payment plan with Barclaycard for about a year paying £20 per month which was supposed to be until June 2008. A few days ago I recieved a letter from them informing me that as I had been such a good customer and always payed on time they were kindly reissuing me…
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Surely this isn't right - interest charges
Hi all, I've got a credit card that I pay off in full and on time each month. Last month I stupidly didn't turn over the statement page so didn't pay off the full balance. I paid £20 less (rounded up for ease). I've just got this months statement and been charged over £4 interest, which seemed excessive considering that I…
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Unused Credit Limit
I have a credit limit of £2000 on one of my cards & i rarely spend more than £250-£300 a month & every month i pay it off in full. Will my credit limit be reduced in future if i don't use more of it each month than i currently use?
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Credit card co.s making £55 million a year by fiddling the figures on APR?
While I was drawing up a spreadsheet at work looking at the impact of APR on credit card spending at Christmas, I inadvertently stumbled across a sharp practice by banks and credit card companies that could be making them as much as £55 million a year by manipulating their stated APRs in a very devious way. In fact, so…
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credit card result
Hi just to let everyone know so pleased sent for statement for credit card charges one week ago go letter back they have calculated all my charges for seven years and sent a settlement letter without any hassle at all delighted with result thank to martin and his wonderful letter. I also got my bank charges back with a bit…
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Morgan Stanley Cashback Card (now Goldfish)
My anniversary date is up next month and I haven't heard anything from them about whether or not they will be charging me the £20 annual fee. I understood they had to give some notice in order that I would have the option to cancel the card before having to pay the fee. Does anyone know anything about this, or have you…
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Capital One Cancel Card Address
Does anyone know what address I should send my cut-up Capital One credit card to in order to immediately Cancel it / Close my account?
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Bad credit rating
I got refused an egg money card today on an online application. I can only assume that this is because I was referred to a debt collecters by ebay a couple of years ago for a fee that I did not owe. The debt was eventually cancelled but it must have left a black mark on my credit rating. I have never used a credit card so…
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MBNA New Rate 34.9%
Hi, I'm new to the board but have been reading it for some time. Anyway I've just had a letter from MBNA re new terms and conditions. The new rate is 34.9% from 24.9%. This is a very heavy jump. I did miss a couple of payments during the year but have managed to get up to date. Owe then about £15K. I think next year is…
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Co=operative Bank
My husband called to make a payment, he was told sorry we can't take payments over the phone until you are in arrears :mad: . So at 5 to 9 the morning he goes into arrears we receive a call, we were in bed so didn't answer but did call them back at half 9, made the payment and since then were called 4 other times…
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Prepaid debit cards
Has anyone used these before or can anyone recommend one ?
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Virgin Interest rate...and minimum payment issues!
Hi, I've got a Virgin Credit card, now I've had it for a good couple of yrs but only really used it for balance transfers when special offers come up. In the last 12 months or so the interest rate has gone for about 12.9% to 29.9%!! Now that doesn't concern me at the moment as I have 0% again untill June or July next…
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Grabbit, Abbey extending 5% supermarket cashback
Just had letters today from Abbey saying the 5% cashback on supermarket spending has been extended a couple of months 'till 31st March 2008. :cool2: :xmassign:
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monthly bills
Can someone tell me if debiting a credit card for monthly payments is the same as taking money out on it i.e.strictly no-no? I'm thinking of taking up the carphone warehouse talkmobile & getting cashback or tesco points-I've always used my current account to fund monthly payments by direct debit-would be grateful to be…
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Money Claim
i am in the process of claiming $276 from cap1 should i use a letter first of go straight to money claim or is Money claim for when they dont pay am confused!:confused:
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What is MoneyClaim and when should i use?
i am in the process of making a claim from capital one - i was going to write to them using Martins letter(s) my claim is for £276 for overlimit fees (can i claim these?) and late payments. should i continue to claim via letter and use moneyclaim if they dont pay up. am confused please helP!:confused:
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How far back can I claim on charges and PPI?
Hi I have had some charges over the years. Realisticly how far back can you claim? I also remember having a PPI scehem with barclaycard when I was in my early 20's (now 35), how far back can I go? Thanks for you help. Russell
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Credit Card Help Please
hi all need some advice for my boyfriend please he has 3 credit cards up to their max so unable to shuffle anything lloyds tsb balance 10500mint 6000nat west 4000 he earns good money not in arrears but finding minimum payments expensive and interest far too high he has tried to convert cards into loans (his bank etc) but…
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Paying bills with credit cards
Really old thread.
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The legalities of applying for a Cashback card.
Afternoon all, I am wanting to apply for a cashback which will be my first credit card. Obviously, I've read the article and noticed that the Amex 5% card is currently the best available. Now then, I've also read that your application can be hampered by recently moving house, so here is my question: I have recently bought…
