-
Stick with Abbey???
Hi I'm in two minds as to what to do about my credit cards. I currently have 2 - Abbey £1,400 and Barclays £3,500. The Abbey card is charging interest so I decided to open another cc account with a 0% interest. I got a card with Virgin and then realised that I can't transfer the balance because they are both owned by the…
-
Credit card charges
Hi, I recently undertook a cleaning up exercise and decided to clear all my credit cards and loans and got the outstanding balances of these accounts. On one of my credit cards I was due them £2000 of which I paid in full; (£1,600 on card purchases and £400 in cash withdrawals from a ATM). Since clearing the card they are…
-
Barclaycard - declined and retained...?
Hello, I went to purchase some items thursday night using my barclaycard in a shop in town, and was a bit shocked to have my card declined - even more so when i was told they would have to retain it. The transaction gave a message on the cashier's computer that he needed to call for verification, so he did and all I heard…
-
How long do searches remain on credit file?
I heard it's 6 months, is this true?
-
Credit cards abroad
Hi, We're off to America for 3 weeks soon and were wondering what the best way to spend money is! We've got a nationwide account for the holiday, is it best to use that credit card or stick with the one we have which is Abbey? And is it better to spend on the card or use debit cards and cash? We'd pay off the card as soon…
-
Gone /Going Bust
Hi, Have committed to a new bathroon with a company and have paid £2350 pound cash, it appears that they are in financial difficulties have been advised by Consumer Direct that as I have paid cash I have no comeback if they insolvent unless I have paid part of the cost on a credit card then the cc company would reimburse…
-
Which company will give me a credit card?
Hi A few years ago when I was young and foolish I got myself two credit cards from Halifax and Capitalone. I maxed them out missed payments and ended up owing a fortune on them on. One day when I came back from a 3 month job at sea I used my wages to clear and then cancel both cards. This was a great relief at the time but…
-
When does the Cap 1 Cashback actually start?
Hello everyone My husband was accepted by Capital 1 for their Cashback card , 4% for the first three months. This might seem a silly question, but does anyone know when the 3 months starts and ends please?. Is it from the date he was accepted or the date he began using it?? :confused: Many thanks for your help :A booklover
-
Debit Card Theft
Has anyone else had the misfortune of having their debit card hacked into by Aqua Pay and Fast Engine (We have never heard of these before), until reading other peoples experiences, but it appears that no one has written about "Fast Engine" :confused: . We have in 5 days had approx £3K removed from our account, £1K in one…
-
Best time to do a balance transfer
Dear people, my mbna sony card 0% expires middle of july i want to do a balance transfer to brittannia for 6 months@ 0% when is the best time to do this? thanks in advance.
-
Barclay card oyster card
Dear people i got one of these cards with 6 months purchase intrest free, but i only got it for the free £25 that martin mentioned, if i cancel it now will it improve my credit rating or no? thanks for any replies.
-
Cleared my Credit Card. Or have I?
When I opened my student account with Halifax I also received a credit card. I used it a couple of times then totally forgot all about it (selective memory). Soon I ended up owing £700 pound due to the interest. After a call to Halifax they froze it and stopped adding interest. I agreed to pay £20 a month and this I did…
-
balance transfer money into a current bank account?
Can anyone help me with which credit card (giving 0%)will transfer a lump sum to a bank current account in the same name? My daughter has just tried to do this with Barclaycard and found that they won' t let her. Thank you
-
Asda Mastercard
Another c.c, but you get 2p off every liter of fuel at ASDA petrol stations. Their fuel prices are less than Tesco in the first place and with the 2p off makes it worth while to get the card for the petrol itself.
-
Chip and Pin and transaction security
Last month I tried to pay an overseas hotel using my C&P First Direct VISA card, entering the PIN, but was told by the merchant "your bank declined the authorisation" and received the DECLINED slip. I phoned FD, who assured me they'd not declined or even received any authorisation request that day, and I asked them to note…
-
Cancelling PPI on EGG cc - 30 days notice
I sent a registered letter to EGG on 24th February to cancel PPI -which they received on the 25th February. They have written to say they will still be charging me for "one final premium" with my statement of 27th March (this is more than 30 days :confused: ) I think I know the answer really ( :o -no doubt it's the same…
-
Stoozing?
Good morning, having read a few articles on stoozing and still a bit unclear on this subject, how would I go about starting this scheme? I currently have a Capital One classic Visa with a £500 limit, I cant get a better card at the moment but hopefully as my credit rating improves over time I may well qualify for something…
-
is there any reason to have a credit card?
i'm trying to streamline my finances, now i am living in my own place and have a regular income. so i basically have one bank account where my mortgage is taken from as well as all bills set up on DD's. i've set them all to come out on the 1st of the month and i get paid weekly. it seems that the main reason for a CC is…
-
Capital One advance warning of last payment date (post, bank & internet).
Hello Just to let all those people using Capital One Credit Cards, that the clear 'to be paid by' information, on their statement, has now been replaced with a tiny little written box outlining the same information & dates. Previously, it was very easy to see when you needed to make a payment by, at either of the above…
-
New To Credit Cards
Hi, I have a CapitalOne card and have just made my 3rd payment. Now - how come the 'Payment received' and 'Purchase interest' are different amounts? They accepted my payment and now 2 days later a purchase interest amount shows up. The purchase interest is about half the amount of the payment!!! Thanks in advance guys!…
