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Late charge of £12 Debenhams store card
I was 3 days late paying my Debenhams bill and have been charged 86p interest which I dont mind paying and a late charge of £12. I think this is really steep for 3 days over.Ive paid the complete sum anyway. Is this legal for them to charge this much? Thank you.
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Cashback, then balance transfer....
Hi, In the next 3 months, it's likely I'll be spending upwards of £20k on my wedding, rings and honeymoon. Are there any restrictions on cashback and balance transfer deals? It seems to me that I could apply for both, do the spending on the AmEx 5%, and immediately balance transfer it to a 0% card giving me a big cash…
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Does Anyone Make Good Money From Stoozing?
I would love to hear which card/cards you use?
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Card Insurance
My sons credit card providors say they sent him a letter (not registered) saying that unless they heard from him they would take £35 for insuring his credit card. He didn't read it properly or never received it. As he has a £250 credit limit on his card he didn't want or need insurance. It took him over his credit limit…
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Visa/electron Card Needed-sporadic Income
Can anyone suggest how I might acquire a Visa or Visa Electron card, please? I changed to banking with NatWest(Maestro and Solo cards)just on a year ago and have not wanted Credit Cards until now, when I find formerly used operations blocked without them e.g. I cannot pay for Speedferries, Hostelling International, sell on…
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does goldfish search experian or equifax, who owns them now
Has anybody recently applied for a goldfish card, I would like to know which credit agency they used for the search as my record with experian is better than equifax ( thought someone might have noticed on their reports which agency the search went through). does anybody know who owns them now ? Thanks
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financial help
Please can someone help me. Last June I bought some furniture from a store on an interest free option providing it was paid back by this June. The interest rate is very high if not paid back by then. I am now in the position where I know I am not going to be able to repay this on time. It wasn't bought with a store or…
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Amex Gold Card?
Hi Everyone, I have just been looking at the American Express website and the Gold Card looks interesting. You get free travel insurance with it and other useful services like free upgrades whilst traveling! There is an annual fee of £95 though, what do you all think? Cheers Ross
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CC with rewards when unemployed?
I'm on benefits, and am trying to get a cc that will actually give me some rewards/cashback - Been refused by Amazon (Bank of Scotland), and also MBNA - can only assume because I'm not in employment. LloydsTSB - my current a/c bank for over 10 yrs or so keep offering me a "guaranteed"/just fill the basic form in £3,500…
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AmEx Card
On the last couple of programs this card has been given as one to have,however I applied for a nectar card which was giving bonus points and was AmEx. When I tried to make purchases or pay for car and house insurance I found that it was not acceptable because it was A.E. I have now cancelled it.
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Citi 5.8% LOB.accepted!credit score 683,741,829
I wasn't going to apply for Citi 5.8% life of balance transfer card as Martins weekly email advises that a good credit rating is needed and I was declined by Virgin a few months ago. My credit scores are Equifax 683,Experian 741,callcredit 829. Was confused as to which agency Citi would go to so posted question on forum,…
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Halifax unfair charge?
Hi, I recently paid off £300 off my credit card and made me feel great, but then Halifax sent me a letter saying they were reducing my limit, which immeditaly took me overdrawn and they stuck a £12 charge on me for being over limit, even though they reduced my limit? Can they really charge me £12, when they sent me…
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Help Confused
HELLO I NEED HELP I HAVE AN OUTSTANDING LOAN OF £8000 BUT AM GETTING STUNG WITH A VERY HIGH INTEREST RATE, I WAS TOLD TO SPLIT THE DEBT OVER TWO CREDIT CARDS AS IT WOULD LOWER MY PAYMENTS AND INTEREST CAN YOU PLEASE ADVISE ME ON WHAT TO DO AS I AM STUCK... THANKYOU:confused:
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Reducing a credit card limit with a debt
Would it be wise to lower my debt on my Morgan Stanley card from £5900 to a lower limit? I currently have £2135 on the card and i'm hoping to apply to an MBNA Platinium Card for a 0% balance transfer. Is it wise though? I've read the forum quite a bit (posts from 2005) saying they had reductions that then went below there…
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Citi Card payment date..?
Hi all, I applied for a got a Citi 5.8% LOB card last month and have just transferred a £3k balance last week onto it. My question is...do I have to start making payments from April or do I have to pay the min amount after the interest free period ends (not sure if thats a month or so?) Thanks
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Goldfish CC ... credit rating?
Hi folks, Have done a search on the forum for any other threads but couldn't find anything ... so apologies if tis is covering old ground, but have tried! :p I was going to try and sign up through Quidco, as it's £50 cashback, but was wondering how 'good' your credit rating has to be to get this card? I know there's meant…
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Wrong name on CC, Company says its fine
Hi, my wife today received her new Sky card and they had two letters of the surname around the wrong way (both on the card and the letters address details). She phoned them up, they said they had corrected it on all her details and said that if if they weren't using chip and pin, they would put a block on the card and send…
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Barclaycard took my Maestro payment twice
Can anyone help with my legal rights??? I made a payment using my Maestro card and Barclaycard took the payment twice.
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I want to make a complaint about MBNA...
Okay so I had a credit card with Abbey through MBNA and just recently they've transferred all their customers over to MBNA completely (so Abbey have nothing to do with them any more). I received my card this morning and so I rang up to activate it... The operator answered and asked for my name, date of birth and place of…
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balance transfer partners balance
hey everyone Both my partner and I have the usual loans, credit cards etc. We are not married. We tried to get a new 0% interest b/t card for her, but they rejected the application. This was a surprise, as I thought our credit should be okay. We do both hold debt, but haven't made late payments, haven't done too many…
