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Egg
Wanted to say a hugh "thank you" to Martins Money tips and my mum (for prompting me to write the initial letter). I closed an EGG credit Card down over a year ago having felt frustrated at contant charges because I had reached the limit on my card. Having wrote to EGG several time previously I got nowhere until the new…
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Abbey 0% 3 month deal coming to an end
I opened my Abbey c/c account towards the middle of October, however on this months statement it says there will be 0% interest on next months statement, that is misleading because there will be interest if I don't pay the whole balance off this month. I have a balance of £2000 and the £50 cashback offer could be wiped out…
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Credit limit increase advice
Hello I recently asked barclaycard to increase my credit limit from £2000 to £4000 but they refused. It was £3500 when they issued it to me but I asked them to reduce it about a year ago. I have never missed a payment in 2.5 years and always pay in full. My other 2 credit cards are around £4000 limit. Any idea what rules…
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Quickest way to pay Barclaycard
I've forgotten about paying, due date is Tomorrow, 21st Jan, Monday. Would it be best to go into Barclays and pay cash in over the counter, I already have a payment scheduled from my Lloydstsb account online but that leaves 21st Jan. Looks like they may change the interest rate from 0%, due to late payment, or don't they…
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foreign transactions question
hi, I want to make a purchase online, which is in the states. Does anybody know if theyre are any charges that get applied when using a Credit Card to make this purchase. I have a post office credit card if that helps. Cheers Jade
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Barclaycard Cashback if you threaten to leave
I acted on the Barclaycard voucher tip last November, where they gave you a £50 high street voucher when you get the card and use it once. Got the vouchers, lovely jubbely I rang up yesterday to cancel the card as I hadn't used it since last year. They went through the usual stuff when I said I wanted to cancel it (why are…
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Say NO To Debt Harrassment
:A Be aware that you have the statutary right NOT to be phoned at all hours. Tell the debt collection agency, verbally, that you only wish to be telephoned at a certain time of day, and demand that they adhere to this rule. Confirm this in writing sent via recorded delivery (trust me - it's worth it!). If they continue to…
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PPI Reclaim Tesco Credit Card
Is this letter OK to send to Tescos Tesco Credit Card PO Box 5747 Southend on Sea Essex SSI 9AJ Dear Sir or Madam, Re: Account number: ************ I purchased the above policy from you but now believe that I was mis-sold this policy for the following reasons: This is due to the fact that I was not given the correct…
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New Claim
I am about to start claiming back the late and overlimit charges on some credit cards and also want to claim back the PPI, should I make two claims or claim all as one
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Virtual Visa/Mastercard topup card?
Hi all New to forums so not sure if this is in the right place! Can anyone advise me! I do not have credit cards-never have and never will! Personal choice but I KNOW Im a comfort shopper and would not be a god financial decision for me. I have a very tight budget and not much room for getting into debt! I have heard of a…
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Extortionate increasing interest rates on credit card
I have an old Halifax Platinum credit card account. I have been paying the balance of for a few years. The original interest rate was normal - approx 16%. It has now increased to 25% for purchases and 28% for balance transfers. I could not understand why the balance was not going down. I have not had a card since 2003! I…
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Halifax Credit card/ credit agreement confusion.
I recently applied online for a Halifax cc (the one with 0% on balance transfers and purchases for 12 months). Then in the post today i got a letter that started with; "You'll be pleased to know that we have assessed the information you sent us, and we've approved your application for the HALIFAX ONE CARD. We are able to…
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What if you can't get on the electoral roll
Because I am an American, I can't get on it, and it does help for credit. I can't get work because I am a full time carer. It does affect my rating that I can't get on the roll, but there is nothing I can do about it.
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MBNA credit card hell
Hi everyone, I have a major problem with my MBNA credit card. I have been with them for a few years and have always made my payments on time. Before them, I was Royal Bank of Scotland but for some reason my account was transferred to MBNA ..still not really sure why. Anyway, my APR is about 17.5% and I pay monthly minimum…
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Help! I need to cancel an old index credit card
Please help...My sister has an old Index credit card with no balance but a £3500 credit limit. She seriously needs to improve her credit rating to be able to clear debt on other cards so this card must be cancelled. She has called the number on card (which is answered as Littlewoods Personal Finance) but it is impossible…
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Should I pay for credit score from Experian ?
hi, I'm looking into maxing out my ISA at the start of the next Tax year. I'm looking into getting a 0% credit card (which I can then pay off when my A&L regular saver account matures) However, from previous experience, I never seem to get accepted for credit card applications(last time i applied was 3 yrs ago). I feel its…
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Has CC changed its practice on charges?
Is interest for payments received late, the charge now, instead of a late payment fee? Hello, I always pay by statement date the balance in full, using debit card and the CC telephone banking service. Prior to this December i would occasionally get a charge automatically reversed if it was posted to my account a couple of…
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Got my new MBNA reward card....
I just got my new MBNA Visa rewards card that they send me to replace my Abbey/Mbna card. I thought I would get the introductory offer of 3 months 0% APR on purchases and 15.9% afterwards, instead of 18.9% that I had on my Abbey/Mbna. I wasn't so sure about that and I couldn't find anything about it on the leaflets which…
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Continuing Authority - DANGER!
I have just been advised by a letter from Lloyds TSB that if a retailer buries in their Conditions one that says providing a CC number means that you are giving the retailer a "Continuing Authority" which is an indefinite right to use that card to take payments, there is nothing they will do about it if the retailer uses…
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Lloyds TSB card and minimum payment hassle
This is more of an observation than a request for help but I'd be interested to know other people's experiences::mad: I have had a Lloyds TSB card for something like 6 years. I use it regularly and always pay off the full amount every month. Over Xmas I was very busy like everyone else, we were all poorly, like everyone…
