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Credit cards

Archives for February 2008

Student Accounts & Credit Searches
I have recently been knocked back by Abbey National for a student account stating I had a bad credit history. I do have a poor credit history, but it isn't terrible. Are there any banks that don't perform credit searches for student accounts? According to this:…
Which cards to keep.
Hello all. As per my sig, I've got a fair bit of debt and I'm trying to get this credit card thing under control. Having just read all the stuff I can find, I'm wondering which card(s) to keep. At the moment, I've got three: Halifax: balance - £7600-ish, bl - £8050, APR - 20.9% but has 0% for 6 months. LloydsTSB: balance…
Credit Limit Drop?
Hi all Just a quick question if you will, I have a couple of CC's (Capital One and Virgin) both with 10grand limits on them, also have a Barclay card which they finally this week put the limit upto £4800 after a few knockbacks. I am nearly done paying off whats left on my Virgin Card and only a few hundred left on my…
Claiming credit card charges.cosolidated debt
I'm with a company that pays all the creditors that i owe for me and i pay that company a set monthly ammount. all the original debts have been passed onto debt collection agencys. how Does this affect me if i try to claim back any charges inccured. Who would i be claiming the money back from?
asking for extention to BT 0% rate
i know its cheeky but has anyone tried to increase there 0% rate for another 6-12 months? mine expired in feb, its a mbna platinum and i have 6k debt on it, what are my chances of pulling off another 6-12 months 0% (probablt low to none :p ) but is it worth trying??
Help needed with store card payment protection
Really sorry if this is in the wrong place:confused: I did look through the forums...honest maybe someone would be kind enough to move if it is in wrong place:o We have a problem with a store card:rolleyes: My husband took out a Burton's store card in about 2005 he didn't keep up the repayments and i found out about this…
Egg - phone phishing loophole
I just received an automated phone-call from Egg. The caller's telephone number was not displayed. The purpose of the call was to carry out security checks regarding recent transactions. First of all, I was requested to key in my date of birth as part of the identification procedure. As I had no means of identifying the id…
Over Credit Limit
Does Any Body Know If I Can Have Wiped Off From My Credit Card The £350 Which They Allowed Me To Go Over My Credit Limit While I Was On Holiday. I Was Relying On Them Declining My Card When I Was Up To My Limit, Any Info Would Be Great Thanks.gavin
which credit card is best for my balance transfer
please can someone help. I am new to this site and need some help quickly. I have debts of upto £4000 I think and need to do a balance transfer. I have an excellent credit score and do not know which would be the best deal for me. I need to keep payments to a minium so the 0% bt could be really good, but am happy to become…
Over limit question.
Through doing balance transfers I went over my credit card limit by £64, stupid I know but this was paid off before it ever actually appeared on a statement. I've been charged the £12 fee but what worries me is does this appear on my credit rating as considering my debt my rating is very good and i'm hoping this isn't…
advice needed--- please
Hi, iam unsure if i can make a claim here or not and so would like your advice I have had credit card for approx 20 years with my bank and only recently decided to cancel my ppi payments due to money cut backs, so i rang cc and cancelled only to be told that i would not have been covered had i had to make a claim within…
Help!
Easyjet have charged me twice on a flight I booked. There is no contact number or anything anywhere, how do I go about getting my money back?
interest on credit cards
Hi all has anyone got any ideas on this or advice A&L has just double my interest rate from 18% to 34% without first contacting me, also i have stop direct debit so they would talk to me but all they have done is contact a debt collector who rings every two days, i have written to the MG of A&L all he's has done is past…
Wait 4 weeks - what do I do next?
I've followed the guidelines set out to reclaim my credit card charges and all but one company have agreed to repay the difference plus some have offered interest :T . Only one (Halifax One Card) has told me that I have to wait 4 weeks for them to investigate and come back to me with an answer. Should I send the second…
Credit card in credit dilema
Hello all, first posting here. I wont go into detail of how and why but I'm in credit to the tune of £1800 on my Virgin/MBNA credit card following some balance transfer mix-up. I've already paid the transfer fees for two new cards and don't really fancy paying any more. Any ideas on how I can dump the credit from this…
Instant decisions credit card
I am sure this thread has been dealt with some many times . I have searched using the search facility but cannot find anything- please advice me on cards that will give instant decisions thanks
Mint - RBS
I have always paid slightly over the recommended monthly payment and i had an endowment matured in January so i decided to get rid of debt that i was paying at an increased amount each month I paid 145 per month off at 5533.00 debt each month but roughly 120 was getting added with interest each month. i paid the full…
Credit Card Loans
I've just read this page on using credit cards instead of loans. As an alternative to this, one method I've used before is to transfer the balance to the card I use as a regular purchasing card, so that this card now has a positive balance. I then asked the card company to send me a cheque so my account is no longer in…
Advise on purchase refund: Shen Yun
Hi all, I have a Sainsbury's Bank credit card (which I believe is run by the Royal Bank of Scotland). The credit card is fine - I've had it for years but I would like to know where I stand with a purchase I made and who I can claim from if at all. I went with a couple of people to watch Shen Yun at the Royal Festival Hall…
haggle credit cards
we have three credit cards all at the max, we have been payingthe minimum amount we have come into money and want to pay them off, i phoned lloyds tsb to get the full amount owe and asked if they would make a settlement figure but she said lloyds wont make settlements, i also have a tesco card, is it worth going into my…

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MSE News

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