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Capital One terms & conditions
I've just applied for a Capital One cashback card and amongst the terms re interest rates etc is this --- Total charge for credit: At the time the agreement is made, is £123.63 Comprising interest in the sum of: £123.63 --- I'm a bit confused - what does that refer to ? I'm not doing any balance transfers, no cash advances…
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Credit Cards and Bank Loans
Quick Question to all? Can you pay off a bank loan with a credit card? Is it classed as : 1. Balance transfer? 2. Purchase? 3. cash purchace? Or classed as aything else? Any tips on pitfalls to look out for? many thanks :-)
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Balance Transfer Questions
I downloaded the Credit Card Re-shuffle worksheet. I have three Credit Cards; Capital One £1200 (debt) £3890 (credit limit) Morgan Stanley £1200 (debt) £5900 (credit limit) Tesco £4100 (debt) £4000 (credit limit) I can't get accepted for another card. So I was wondering because I haven't reactivated the Morgan Stanley and…
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Help - Uknown payment in to my Credit Card
Hi, i wonder if anyone can offer me any advise re a recent transaction on my credit card. I had a credit card and paid off the balance, however, a £5500 credit was put onto my account, therefore, my balance was £5500 in credit. Don't knoiw where this payment came from so left it for a month or two, then thought, will buy a…
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Help - How to apply for credit card when you don't have a landline?
Help - I'm off to New Zealand shortly and wanted to apply for a virgin credit card. However when I tried on their website I found that the home telephone number was a mandatory field. I'm a home owner/buyer but do not have a telephone line - just use my mobile! Has anybody got any ideas how I can get around this? :confused:
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Question about cancelling cards and forgotten cards
Hello everyone. I'm debt-free! Hooray! Mind you, I still live in a rented accommodation, and I wouldn't mind buying my own place some day, and getting a mortgage for it, preferably a competitive one. So I thought I'd improve my credit status, and cancel all the credit cards I don't need. So far, I've cancelled two of them.…
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Well done Egg
Hi Just thought I should post a thread congratulating Egg on identifying my Egg Money card had been cloned. It was used on iTunes at 10:45 for 51p and blocked as Egg realised it was not part of my normal spend profile. I wonder how many other credit card companies would have blocked such a small value transaction. Yes, it…
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Half or whole mortgage repayment?
I have a joint mortgage with my partner. When a CC application asks for the amount of my monthly mortgage repayment should I give the whole amount or "my half"?
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cashed in my airmiles
Well after 3 years or so of using my virgin credit card (to get airmiles), I have decided to use the airmiles I have racked up. Over the last 3 years I used the card to pay my bills (phone, internet, shopping, petrol, trains (virgin of course) and flights) and paid the card off each month - this month being the exception…
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Citi Shell Credit Card nice surprise!
Well what do you know I've had the card since beginning of November, bought Shell petrol at a 'proper' Shell garage each month and each month the 'cashback' has just been rolled over to the next month. Tonight I got out each statement to work out the cashback as I knew what was being quoted was wrong, I had queried it and…
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Halifax Credit Card Charges
Through a series of errors I've gone £200 over my agreed limit on my Halifax Credit Card, does someone know how much I'll have to pay in charges? I'm dreading that it's going to be something stupid! Simon.
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Credit card fradulent transaction - police?
I got a call about my card having been used for something suspect looking, no idea how my card details got out there, can only assume something dodgy on work PC which I often shop online with . They asked if I would deal with the police on it, what exactly does that entail? Just signing something to say it wasn't me guv,…
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probably a stupid question
Hey all, I don't really use credit cards but as I will be buying a home in approximately two years I have decided that its time to strengthen my credit file. I have a capital one credit card and have spent about £60 on it. The statement has come through requesting the minimum repayment, which I sent immediately. A week…
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capital one cc
hiya all this is my first time of posting i had a capital 1 credit card a few yrs back and im still paying it but to lowell finance now as citizens advice sorted me a payment scheme out does anyone know if id be entitled to get my ppi back (cant remember if i took ppi out) i have no paper work about my original agreement…
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creation store card - catch 22
Hi guys help/ideas needed to get this paid- I now owe 356 quid on this store card, the credit limit is 260. I am paying monthly payment on this but only around 20-30 as thats all i can pay, however they keep charging me overlimit charge 20 quid and everynow and then late payment charge 20quids. they keep ringing me for…
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CC Debt
Not sure if this is the correct board so I am just going to be cheeky and post it on another board as well. Firstly, Thanks a lot to all you good people on MSE I was foolish enough to ignore a credit card debit of £3,000 back in 2006. This was then taken to court and a ccj followed by an interim charge on my share…
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claiming credit card charges back
Read in Martins weekly update about claiming back unfair credit card charges. I have been charged 'just' interest (£54) but had no fixed fee imposed as Martin mentions (he talks of these normally being £12). Does reclaiming mean I can claim back interest? Thank you
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Transferring cash to bank account
Sorry if this is covered elsewhere. I have a 0% credit card and want to do a balance transfer to pay off a loan, but the company have said they can only do a transfer to another credit card. I've read on here about EGG money manager, I have an egg credit card with no balance at the mo. Can any-one tell me if I am able to…
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Refused PO card
A few weeks ago I applied for a PO card and I was very surprised to be turned down, I have 4 credit cards already but I wanted the PO one as I travel frequently and they don't charge for w/ds so I thought I'd save some money on my travels. I have had 3 of the cards for over 10 years and the other one for around 10 months…
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CapitalOne lost payment of £1000
Hi All I'm writing this on behalf of my best mate who is about to tear her hair out regarding CapitalOne! She owes approx £3k on her credit card and is now a single parent A while ago her gran gave her a wad of money to help her out and she decided to pay £1000 off her CapitalOne. She sent the cheque, the cheque was cashed…
