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Lloyds TSB Card Application
Has anybody applied for a Lloyds card and got acceptance straight away, just want to know what are the chances with the screen I got that said if accepted I should have my card in 5 days? cheers john
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Credit card for foreign spouse?
Hi all, Does anyone know a credit card company that allows you to add a second card holder who doesn't live in the UK? My wife is a Canadian citizen and due to study commitments won't be moving here for another year. I've asked Citi so far but they've said no due to her not being a resident of the UK :confused:
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mint credit card
what a pain in the !!!! was one day late payin my cc and the av charged me £12 late payment fee and told me my £3000 balance transfer no longer 0%. had great delight ringing em tonight and payin the balance off in full on my debit card and told em to close the account . you now what they said right the payment has gone…
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Withdrawing Cash from Egg CC??
I need to withdraw some money from my egg account as I have misplaced my bank debit card. How much will I be charged? According to the website: My account currently has £480 of spending. Payment is due on the 2nd July. So what will I be charged??
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Capital One Credit Card
Hi- I have capital one credit card - want to tarnsfer the balance to lower interest card - can anyone advise what other issuers are they same as Capital One - I dont want to open and then they say they wont do transfer as aprt of the same group. Thanks
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Abbey National increased interest rates
Has anyone else had a letter saying that abbey national is upping the interest rate on their credit card to over 24%?
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How to cancel a credit card
Hi, I have got a sony credit card which I used once to get a free MP3 player a few months ago, and now I don't want to use it any more.... What is the best/easiest way to cancel a credit card, because I believe if you have lots of cards but don't use them, it can affect your credit rating... Is this true? Thanks Jen :j
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clearing credit card debts
Hi, Luckily i have some money that i can use to pay off my credit card debt. However, I would like to ask if my credit card balance is £6,600.00. Can i tell the credit card company i only have £6,500, can you please show my credit card as being clear. ie a £100 discount. The reasoning i plan to give is that i have a…
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Natwest Credit Cards & Direct debit payment
Hi, just a quick question. I have a Natwest credit card set up for minimum payments by Direct Debit. Is it correct that if I were to make additional payments to my credit card, my Direct Debit will still be taken out as usual? For example, outstanding balance - £10.24. Direct debit payment - £5. Assuming that my manual…
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Unhappy with settlement after 1 year
Can someone plse advise me where I stand. I wrote to Cap 1 to request repayment of charges totalling £589.38 (£524.00 in chgs, £65.38 interest. Eventually received letter on 31/5/07 stating they had refunded £202.00 onto my card and that this was the end of the matter as far as they were concerned. I wasn't even given the…
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Balance Transfer Question
how long does it take to do a BT with Virgin- I rang up on sunday afternoon but the CSA man said the computers were down so he said he would take the details and do it when they where back up. Ive done a BT about 3 months ago and it only took a couple of days. has the CSA man forgotton to do it do you wreckon??. not just…
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Overtransferred credit
Hi all. Just a quick summary to start I owed approx £1700 at the end of my 0% barclays credit card on purchases, I can't afford to pay it off so have done a transfer. I applied for ulster bank and abbey zero balance transfers credit cards, both offered me £1700 but could only transfer £1200 to start with, and both…
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Best Credit Cards Used and Why?
I am doing some research on what people think are the best credit cards they have used and why? Please post some of your previous experiences with credit cards bad or good! Thanks
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Argos Card
Hi there all, In Argos, they have two options for cards. Their regular "Argos Card" and their "Argos MasterCard". I am asking about the regular card, but didnt know where to ask, so put it in here. Hope that is ok. To the point. The Argos Card says that if you spend xx amount you dont have to pay it off for xx amount of…
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Paying off balance in full each month
Hi, I have a couple of credit cards and I always pay the balance off in full each month - unless it was a 0% offer, in which case I'd make sure I made at least the minimum payment. I was thinking the other day that I always pay it quickly - for example my bill has just come in at 700. I could pay it immediately but should…
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Making CC Payments with late fees
I had recently misplaced a statement (or I have this ill feeling somebody else did) causing me to forget about it till today. Sure enough HSBC have charged their £12 plus £3.18 interest. Someone suggested I ask them to waive it and go for the first time excuse but I can't remember if this is a first timer as I have a vague…
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Just cancelled a store card: Can I shred the statements?
I have just cancelled a store card I haven't used in nearly a year, and on which the balance is zero, and just wanted some advice on whether or not I can shred all my statements and documents relating to it once the cancellation letter arrives? If it came to it, and the company suddenly decided my latest statement (dated a…
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credit rating-late payment
i know this is the stupid of me, but off i went on holiday and completely forgot about my credit card. i only have 1 and hardly ever use it but ihad this month, total of £32. was supposed to be payed on 10th of june, only got back this morning so paid it straight away. i don't mean to sound stupid but will that effect my…
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barclaycard BT
ouch, April 30th I paid off my balance on my Barclaycard and on 2nd May did a BT which almost max'd it out again but at the LOB low interest rate. Now i find Barclays took some of that huge payment and took it off the BT leaving me a standard balance of some 600 quid attracting monthly interest. Phone calls just tell me i…
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Interest on RBS Credit Card
Last month i paid off the remaining balance of £266 on my credit card and was left with a balance of £0.00. Previously, I always had outstanding balances on my card, but have now managed to clear it. Today when i checked my statement on-line, it said that i have a balance of £3.07 for interest. I thought that if a balance…
