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Anyone else finding it impossible to get through to Nationwide Card Services
For the last few days I've been trying to get through to someone in Nationwide Card Services but I am just left holding with a message "Sorry for the delay. Please stay on the line and we will be happy to help you". Has anyone else had this trouble?
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Nat West Business Credit Cards
Beware anyone setting up a Business Credit Card with Nat West. If you set this up with a minimum payment facility They will charge you interest each month even if you pay off the balance in full by the specified date !!!!!!! I had a recent situation whereby my BACS transfer failed. In order to avoid a late payment charge I…
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M&S Chargecard
Hello, Anyone else got an M&S chargecard? Do you receive any point offers in the post from them? I've had one for a few months now, but although my friend gets special offer codes for extra points like 'shop online get 500 points' etc with their M&S credit card, I never hear from them except for the simple chargecard…
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Warning for Credit Expert users
Myself and the missus took up Experians 'Credit Expert' Free Credit Report offer about 3 months ago (as recommened on this site). We both registered our details and filled out the on-line information forms and then cancelled our subscription about 3 weeks after signing up so we wouldn't have to pay anything. I have since…
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Help.balance Transfer Rate Confusion
I could scream.My partner has just transfered 2 credit card debts for me onto one of his cards(MBNA).It was meant to be 0% but I havn,t a clue what he has gone and done or what he has agreed to in the end.Neither has he:mad: ,he is adamant it is at 0% but thats not what the statement says. The deal was meant to be 0% on…
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Warning for Credit Expert users
Myself and the missus took up Experians 'Credit Expert' Free Credit Report offer about 3 months ago (as recommened on this site). We both registered our details and filled out the on-line information forms and then cancelled our subscription about 3 weeks after signing up so we wouldn't have to pay anything. I have since…
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re-applying for card after closing account
hi all hope someone can give me some advice on this: I recently transfered the whole balance of my halifax card to my husbands 0% card and closed my halifax credit card account so as to have less credit on my file. Now halifax have introduced a 0% on purchases with the credit card i had and i would like to take advantage…
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Tesco Club CreditCard - 2nd Class Service?
Received this months Tesco Clubcard Credit Card statement on Saturday 15th March - with notice for payment to reach them by the 23rd March! Is this 4 working days to get payment to them a record? I know its a 15 day period from summary to due date - but why do they use 2nd class post to deliver the statements? The…
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Some advice please
In the past I have applied for the Post Office CC and the Sony CC but got rejected for both. At that time I didn't have a CC at all. After that I applied for an Amazon CC which I only really use for purchases on Amazon and emergencies when I'm low on cash at the end of the month and then I pay a good chunk off when I get…
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US Shopping with UK Billing address - card problems
I want to be able to shop regularly on US sites for delivery to my mother in New York but with me paying the bills from the UK. Aside from big sites like Amazon.com, who'll now accept a UK billing addess, the sites i want to use won't. I've been recommended by one company to use www.USA2ME.com which is a mail redirection…
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Marriage-credit score
Hi I recently got married and changed my surname. I have one credit card under my maiden name still and need to transfer the balance to another card as the 0% is ending soon. I have just applied for a new one (under my married name) and have been refused. Could it be linked to the name change? What should I do? I am going…
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Halifax
When do Halifax send out their monthly statements? Is there a set day in the month?
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Having credit at different addresses?
Hello all, I'm usually a lurker here but hoping for some guidance. Please forgive the rambling length. I'm mid-20s, was at uni a few years ago. Since leaving I've stayed in 4 private-let flats (with the same friends) in less than 3 years. It's not that we get bored easily, but incompetent letting-agenices, rent hikes,…
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Nationwide Credit Card
I have just received my monthly statement from Nationwide Credit Card and I have been wrongly debited £16.19 for Merchandise Interest. It took me the best part of an hour to get through to them on Saturday afternoon when I was imediately told that they have a computer glitch which has caused this problem. However as I…
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Help working out annual apr%
I am trying to use the snowball calculator, but 2 of my cards give a monthly apr, how do I work out the annual apr. 1 is 1.805% and the other is 1.456%. Thanks in advance. SM x :T
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Transfer to low interest credit card
I have a bank loan which I would like to transfer, if possible, to a credit card with a low interest rate for the life of the balance as the rate I have for the loan is higher than I want to pay.
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Which card?
Hi guys, I am after some advice in terms of paying a debt off. I have a loan that currently if I carry on the monthly payments till the end that stands at £8500. It has an early repayment of around £5500 I forget the exact figure. I am paying about 16% on this, now what I am thinking of doing it getting a card that offers…
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problem with my maestro card
sorry if this is in the wrong section. i am with Northern Bank and have a maestro card.. when i try to use it to shop online (play.com and amazon uk) it keeps declining the card.. all the details are correct i thought i had lost my orginal card so i ordered a replacement and activated it, so that is the card i used first,…
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Credit Card/Scam Advice
Hi, yesterday found out that my mum has been conned out of £15,000 and am absolutely devastated and don’t know what to do. It was a lottery scam where a letter was sent to her which claimed that she had won a million pounds on a lottery in Spain and they need her to pay £15,000 for taxes and handling. It is an obvious scam…
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Advice on credit card with 0% on purchases
Hello , Im looking to borrow £3000 ( towards a car) ive looked at loans etc and the amount we pay back just seems silly. I've never had credit card and i wondered if anyone could help me answer few questions please ? the 0% for 12 months on the halifax card seems a good idea , but am i missing something .is it as straight…
