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Halifax and experian
Hi people... I just had a weird experience. Perhaps somebody can shed some light on it. I applied for the Halifax 12 month spending card today, and within a few hours had a call asking for some details from my application... Ok, it's not too personal, and no passwords being asked for, so I'm not too worried. Next this guy…
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Credit Card debt - help please?
Hi I am new to the forum so there may well be the post somewher else. I currently have £15,000 - £16,000 on my cards with most of it at 0%. Feeling a little bit out of control - have missed a couple of payments not due to lack of funds but dates etc etc so have set up direct debits now to solve that problem. But am…
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Citibank - what a joke!!
We applied online for a low interest cc to Citibank with a balance transfer. Their home page advertised "why wait, get a decision immediately". The immediate reply was... we will contact you within 7 days! 12 days later - an email arrived asking us to phone for a decision, which we did. We were told that a decision hadn't…
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partner used the barclaycard 0% purchase card to take out
cash by mistake. it looks like i am being charged interest now. could anyone enlighten me? thanks
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Tesco Credit card intrest
Three months ago I paid off the credit card, the total amount on the statement was two days late. A bank transfer took longer than I thought. Next statement I paid interest, fine my fault, but we use this card all the time for gathering points and so on. The last two statements have been paid in full and on time, but we…
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0% ending 9th March but statement says est. interest on next state £0
My Sky card 0% is due to run out on 9th March. I have to make my minimum payment by 5th March. But the little summary box says estimated interest on your next statement £0. Does that mean I won't have to pay off the balance till my next statement?
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Tesco Clubcard Credit card
Hiya does anyone know if the clubcard credit card gives you clubcard points for balance transfers or is it just on purchases? Thanx
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Credit card advice
Hiya all iam after some credit crd advice from all you mse's out there lol! Firstly iam after a good card to switch my £850 (Barclaycard) balance to which i will pay off by end of the year 10 months 0 % at £90 a month? Secondly we need a card for my fiance who has a balance of £4500 (MBNA)that needs switching soon so wee…
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Electronic Statements
Hi This may seem like an odd enquiry. I would like to find a card that ONLY issues electronic statements rather than paper ones. I know a few companies used to do this or offer this a few years ago (and drove me demented by doing it!) However now I want one!: Its my 25th wedding anniversary and I want to make a large and…
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Debt life time limits
I am going to try long story as short as possible. 1) Took an credit card with the sick/out work insurance was is all same page document you use to sign for under credit act legal bits. 2) Became sick an had to stop work and now on Highest Rate Disability benefit etc... 3) The credit card didn't process my application…
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Visa not contesting an unconfirmed Ticketmaster purchase-any advice?
Hoping for a bit of advice please on getting VISA to contest a purchase that was unconfirmed, yet has appeared on my bill. Apologies if this is in the wrong forum, but I think I've more chance in getting VISA to contest than getting a refund from Ticketmaster.... Bought 2 tickets for "Pinkpop" (Dutch festival) on…
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Question re 0% cards
Hello, I was wondering if you could give your opinion on something - I have £5,500 on an MBNA deal which runs out in April (it was much more but I've been paying off £200 pcm). As I know that I wasn't going to pay of the remainder in a year I decided to opt for the Citibank 5.8% life of balance card (as recommended by this…
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what is mbna's minimum payment?
Hi I have had a really good look but can't fid anywhere what mbnas min payment is, I can't find an old statement. I am going to transfer a holiday balance onto their at o%. Thanks
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Really poor settlement offer!
I asked RBS card to give me details of all my charges etc and they added up to about £350 :-) However, they've offered me a rubbish (no fault on their part, we're all still friends) settlement of £65! Apparently this is the difference between the £12 'fair charge' and the previous higher charges :-( The card balance is…
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Amex sent me someone elses bank statement
I recently applied for a credit card with American Express and they accepted it but wanted a copy of a bill or bank statement. I sent them my bank statement, and got it back today. However, with my bank statement was someone elses. What should i do? Just post it out to who's it is (because their address is on it) or call…
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Advice needed on Credit Card!!!
I need to pay for a professional course and I would like to do that by paying for it with a credit card. The amount I need is £1000 and I do not want to pay interest on it (at least not 20%). If anyone could give me any advice which Credit Card would suit my needs out there it would be highly appreciated. Thanks!
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Credit Card Interest Rate Hike
I just discovered my credit card interest rate was hiked up from 18% to 28% and again to 34% (!!!) for no apparent reason. When I queried it, they could not explain why this was done and offered to immediately reduce the rate back down to 23%. However, when I asked for a refund for overpaid interest they started quoting…
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Goldfish
Hey guys I'm looking for some info I applied for a Goldfish card at the end of last week. I've not had anything through to say either yes or no and was wondering how long it usually take. My credit rating is not the best but mainly due to late payments etc from about 4 years ago. I haven't missed any payments etc for at…
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worth using balance transfer?
Hi all, my first post so go easy! I have two credit cards at the moment, a capital one cashback card which I use for most of my monthly spending. Balance rarely goes above 1000 and it is always paid off in full every month. I also have an MBNA platinum card, balance zero, which I rarely use and if I do its also payed off…
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APR and PA
I have 2 cards with M&S one at 3.9% PA and the other at 4.9% PA and I was looking to consolidate them with a loan from moneybackbank.The loan is 6.7% APR but i just dont know the difference between PA and APR and if i am just better paying for 2 cards than 1 loan.
