-
1st Balance Transfer
My Bank of Scotland One credit card 0% deal ends in February so going to try a balance transfer. I am looking at a Tesco Clubcard Credit card. Both cards are Mastercard would that be a problem? Also am I applying to early?
-
Which Company/Business Credit/Charge Card?
Hi all, Please could someone point me in the right direction... At work we use BarclayCard credit cards to purchase stuff online, travel etc. - they are for business expenes only and paid off in full by DD at the end of each month. I'd like to find out if there is somewhere i can compare all business cards avaliable to…
-
Paying off my Loan with my 0% Credit Card
I have just been accepted for a Halifax 0% 12 month card and would ideally like to pay off the remaining £1000 of my Liverpool Victoria Loan (12.9% apr) Will paying this off appear as a cash advance and not a normal purchase, therefore not being subject to 0% interest Cheers
-
Credit card authorisation and CCA
I have a technical/legal question regarding the consumer credit act and credit cards. As i understand it, if you make a purchase using your credit card and the goods or services fail to arrive or are not fit for purpose you can pursue the matter with the merchant or the credit card issuer and get your money back. But what…
-
warning - phishing emails: halifax, amazon card holders
Just had my second phishing email in 3 weeks, purporting to be from an affiliate of amazon credit cards and rang them to report it. They said they've had quite a few customers affected. Don't reply to the mail, don't click on the link in it and report it to them by phone, where they will supply you with the correct email…
-
Sainsbury Credit Card and Direct Debit
I've set up a DD so that I can pay my Sainsburys Credit Card bill without thinking about it. However I've now received the first statement and they only intend to take the minimum payment rather than the full amount. Have I missed something or is this just a way to get interest on an outstanding bill? How do I get them to…
-
Theft & credit card protection
Posting on behalf of my poor boyfriend who has an additional card on my M&S account, who had a bag of Xmas shopping stolen whilst out today. Now I'm pretty sure M&S doesn't have any sort of insurance built in for this kind of thing, but for future reference does anyone know any card providers that do? Thanks very much!
-
What to do with MBNA?
I have just had to shuffle my debts around due to an Alliance and Leicester credit card 0% deal running out. I now have: £8,344 on a Halifax ONE card (repeat 0% deal until 31st May 2008), £785 on a Natwest Card (0% until October 2008). Plus a 0% overdraft of £950, another 0% overdraft of £1,900 and a Nationwide E-Loan of…
-
BA miles credit card - waste of space!
I was browsing the BA website for flights and saw the advert for take out their credit card and get 1000 BA miles introductory offer. Not bad I thought, go for it. Now I have the card I find BA miles and not the remotely the same as normal miles. On the airmiles scheme BA London to Paris is 150 miles, 300 miles round trip.…
-
HSBC Card not on any credit report
Hi, I'm trying to consolidate two credit cards in to a unsecured loan, I'm having some difficulity in obtaining a loan and I think the major problem is that one of the cards doesn't appear on my reports with any of the three credit reference companies. This is a HSBC mastercard which I opened ages and ages ago as part of…
-
my rubbish credit rating! what can i do?
hi im currently trying to improve my credit rating as me and my partner are looking to get a mortgage i've had a look at my credit report on experian and iv never made any late payments or anything but my score is still down as been very poor. i wondered if you have an overdraft and dip into it quite alot does this affect…
-
Rather annoyed
I popped into a halifax branch last week and whilst there I was asked if I was interested in taking out a 0% credit card which I am. They said there were 2 cards available to me, either 1) 0% on transfers for 15 months and 0% on purchases for 3 months or 2) 0% on transfers and transfers for 6 months. I asked them about a…
-
Bank that can't do percentage sums
My latest credit card statement shows an incorrect Minimum Payment value. It's obviously less than the x% which I should pay. This same incorrect Minimum Payment value is printed clearly, at two different places on the statement. Question: Can I get away with paying this incorrect Minimum Payment? Can the provider claim…
-
GE money cashback
Had my final statement from GE money last month. Because I hadn't used it recently, I now have a credit balance on my account due to its cashback scheme. Does anyone know how this gets refunded?
-
Can you give me reassurance with chargeback?
I ordered a computer with my M&S card £380, I`ve had alot from this company however they went bust so no computer. I started the chargeback, filled in forms etc and went on holiday (great thankyou!) I phoned M&S last week from holiday to make sure everything was OK and there was nothing we were required to do and they said…
-
Just turned 18 and failing credit checks!?
Hi I have just turned 18, and am wanting a cashback mobile contract. I was using my parents' coolnewmobile one (Which luckily finished in June!) and am now a bit more careful about where to go. So, tried e2saves 6month virgin sim-only deal (mit quidco) however was refused the deal as I failed virgins credit check! Now I…
-
Will cashback cards be phased out?
There seem to be so few around at the moment, do you think they will become a thing of the past?
-
Any thoughts on this?
Well I have now spent ages trying to decide which is best... anyone got any suggestions? :confused: :o I have a loan of just over 6k at 7.9% which I have been paying 333 a month At this rate it should be paid off by mid 2009. I have been sent Virgin money cheques for a BT at 0% interest until my sept statement (mid month)…
-
Capital One cashback card
I don't know if this card was around last year but does anyone know when in January they pay the cashback? My payment date is around the 26th and my cashback should clear next month's bill so I'm hoping that they pay it in and I can use it against my bill and have a slightly cheaper January. I assume it can be used to pay…
-
Here's my position.... opinions please
Hello I am just looking to canvass some opinion on what to do with regards to my financial position. I don't have masses of debt but would like to be able to balance transfer a few quid to 0% if possible. Below is an outline of my position and credit history which I hope some clever person can cast an eye over and give me…
