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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…
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buying vouchers with a credit card
thought i'd heard somewhere that if you buy vouchers e.g. for argos or tescso, hmv etc.. these are classed as cash advances and therefore you are charged cash advance fee ? is this true ? thanks
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making the most of cashback credit cards
Hi was wondering if anyone has any tips on how to maximise cashback rewards from cash back credit cards. I understand anything you spend on the credit card will earn you 1% cashback but as my monthly spend will prob be £1000 max per month i'm only going to earn £10 a month or £120 a year. I once heard of a guy who bought…
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New to Credit
Hi there - was wondering if anyone could tell me where a good place is to get your first credit card? I just turned 19 and want to start building my history.
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Aqua card statement
Hi all, I've got a credit card with 'Aqua' and am going through my statements to check for charges. I've never gone through my statements before(I know I'm a naughty girl:rolleyes: ) and I'm looking at this statement and have no idea if I am 'reading' it right. Does anyone else have one of these cards and could they please…
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Abbey credit card, dodgy looking photocopies
Hi, I've recently applied for an Abbey credit card and have been sent a letter telling me I have been conditionally accepted. The odd thing is the whole aggrement seems to be really poor quality photocopies with the text and particularly the letterheads looking fuzzy and, well, just a bit off. Has anyone else had anything…
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can i claim?
Last January I had serious financial problems, and came to payment agreements with my credit card companies. the problems were caused by a build up of charges when i was off work sick. can i still make a claim even with these argreements in place? if anyone has had this problem can you let me know where i stand. thanks
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o% interest balance transfers
Sorry if this a very elementary question.Im not that savvy when it comes to Credit cards etc I have an Egg card with about £800 on it. I need to buy some air tickets asap and want to know if I transfer the whole amount to a 0% card what happens to the guarantee? If something goes wrong with the tickets does the new company…
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Beware - Balance transfer ripoff
Beware - we transferred a balance to a credit card, at the time paid the 2% fee (£45) and were informed that we had free interest on the balance for one year and would incur no interest on purchases provided the purchases were paid off. Three months later, we get a statement with interest charged on purchases. On…
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Credit Balance on Creditcard
I'm in credit on my SKY mastercard but SKY have said that this is against Mastercards terms and conditions and so suspended the card. Because i have used matched betting to put the money in there they wont give this back and said when they reactivate i either have to spend it or use a credit card cheque (for which there is…
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tesco cc complaint
I paid my cc over the phone on Monday allowing two full days for payment to clear so as not to incur late payment fee or interest charges. However when I logged on to my online account it had not been processed and I had been charged £12 late payment fee. I rang them up to complain and they refunded £12 and said they would…
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tesco cc complaint
Paid my cc over the phone on Monday 14th to allow two working days to clear so don`t get late payment charge or interest charge.
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ABBEY CC 0% 9 Month and NO BT Fee and £100
As the post say's I got a flier from Abbey, just have to BT min £1,000 from another card. I have requested BT £10,000 from EGG :beer:
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Ryanair Credit Card ripoff?
I have recently bought several tickets with Ryanair from Spain to the UK using my Mastercard (based at a UK address). The bill from Ryanair was in Euros but I notice that on my statement they have charged me in Sterling at a very poor exchange rate!. Is this legal and is there anything I can do about it?
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Egg limit increase!...Sorry another egg mastercard thread!
After reading the many many... many threads about benefits of the egg card I applied and got accepted however a with a miseley £500 limit after a lengthy argument they gave me the old line leave it 3-6 months etc Had the card 6 months ran perfectly, rang and was given an increase straight away to £1,000 I would of thaught…
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Requested a Lower Interest Rate
Having read Martins article re: Credit Card Shuffle I thought I'd approach Egg and Capital One to see if they can offer me any improvment on the rate I'm currently paying, suggesting that I may switch my balance to another lower rate card. The rates I'm getting currently are: Capital One:16.4% for Balance Transfers and…
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Why Cant I Transfer My Balance To Another Card??? :-(
Hi. I have a capital one credit card which I have had for 5 months (They increased my credit limit after 2 months) so I was pretty happy with the card but I have noticed that their interest rate is pretty steep (34.9 %) and thought about transfering my balance to another card. The trouble is every card I apply for turns me…
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Newbie seeking advice
Hello everyone, Just came across your forum today and started losing hours reading through the threads!. I guess I've had my lightbulb moment earlier this week when I put together a budget sheet of my in\out goings. While I can meet all my minimum payments on my cards I see trouble ahead and like everyone else I'm fed up…
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Warning! Balance transfers to Barclaycard.
Whilst the 0% for 14 months balance transfer to Barclaycard is a good deal, be aware! Barclaycard will not transfer any balances from Santander bank credit cards (mine was Abbey). Stating that because Santander is a spanish bank they have had too many communication ?? problems. Sounds a little fishy to me, have Barclaycard…
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Lost credit card payment - Advice needed please.
On the 19th December, I paid £300 cash toward my Halifax credit card bill via my local Lloyds TSB bank which apparently has been lost in transit. :eek: Lloyds TSB are doing a trace for the missing money, but more than two weeks has gone by with no news from them. How long does it take to do a missing payment trace? They…
