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Interest Free Period
Hi Everybody, My Skycard statement was made up on the 21st of July, and I have to pay only purchase interest of £8.28 by 15th August. I haven’t bought anything for months on this card, and made one big payment before the 15th of July which was the due by date, and the last couple of hundred pounds on the the 17th July…
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Morgan Stanley (goldfish)
I urgently need a telephone no. to speak to someone in Goldfish. I am looking for a number who deal with complaints. I have tried the usual 0800 number but the advisor was less than useless. With thanks
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why can't i transfer money off my MBNA platinum card!?
I am a bit confused, i have tried to transfer money off my MBNA platinum card (due to them increasing my interest rate to 34% after a late payment!) I have tried to transfer it to my Barclaycard and been told they don't accept transfers from this lender, had the same problem with my Tesco credit card and my Halifax One…
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Hubby & Cap One Visa Q
Hi Just posting on behalf of hubby. Hubby has had a poor credit rating in the past, and has this Cap One card that charged 30% interest. He has a £500 limit, has run it since Jan. He has a balance of £280. He wants to purchase something that is £605, as he doesn't have a debit card, he can on pay on his Cap One card,…
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CitiBank Nightmare
Hi people, Need a little advice if you please... I applied for a credit card with CitiBank around January (one of the 5.8% life-of-balance cards). I waited about a month before they asked me for some additional ID - which I sent to them. I then waited yet another month before I decided to phone them and ask them what was…
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Denied a balance transfer from Barclaycard
hi i spoke to barclaycard to transfer my balance onto their card and they had told me that i cant do this. Is there any reason for this? ive not missed any payments or anything.
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Can't see a credit card in my Equifax report
Hi all, As explained here http://forums.moneysavingexpert.com/showthread.html?t=1032499, I got a text from Barclays saying I had late payments and they have now affected my credit rating. To cut a long story short, they were in the wrong, I don't have to pay them a penny and they said my rating won't be affected :) Thought…
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virgin credit card worth keeping?
I have not used mine in ages and am just trying to find out if it has any benefits. I have one because they had a good 0% offer and I got quite a big credit limit. My everyday card is Egg Money for the 1% cashback plus various instant cashback offers on the web. Worth keeping the Virgin card or shall I have it cancelled?
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Equifax and Experian
I understand that different companies report to equifax and/or experian, however im a little confused.. I was a silly boy just under 6 years ago, and missed alot of payments on a mobile phone account. so i have a nasty little mark on my equifax report giving me a score off 349, pretty poor. (thankfully it will disapear…
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How Can I possibly BT?
Just got declined for a virgin 0% on the grounds that they feel I already have enough existing credit available to me. Well yes I do but none of it is at 0% that was the whole point of applying for it !!! How can I BT to a 0% if I cant get a 0% Card???
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Pay my minimum payment, overall debt INCREASES?!?
Hi. I have a Barclaycard Initial Visa, on which I have approximately £442 debt. I have a DD set up to pay off the minimum payment each month (since I am terrible at remembering these things!). Last couple of months, I've been noticing something that has to be illegal. I'll put down some figures to help explain things a…
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Credit Company Letters
Hi, I have been randomly getting letters from a credit company chasing up an outstanding balance on an account that was opened 11 years ago (which I do not recall opening or ever owning). They claim I made a £3 payment against the outstanding balance (£800) 2 years ago, which I know I havent done. Anyway, I called them up…
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Best Credit Card?
I know this is a difficult question but here goes........... Whats the best credit card for me? Currently i have Standard Natwest one and am due to get an Asda one (purely for the 2p per litre it save on petrol!) Could i be doing better though, my credit profile so to speak is as follows:* Infrequent use couple of times a…
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Barclaycard reduced limit - legislation?
Hello to you all, Well, I have been reading about people on the boards here getting their Barclaycard limits reduced without warning and they have finally got round to me. I had a limit of £4,500 with them and they reduced it to £4,000. I asked them why because I have never missed a payment and got the usual answer "the…
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Credit Cards fraud by family?
Bit of along story for my first post, but one of my friends has recently found out that they have 5 credit card debts amounting to over £6000, none of which she opened! She had a falling out with her mother a while back and found out that she had been taken money from her bank account as her mother had put herself on her…
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Alliance-Leicester Moneyback CC - which vouchers can you get?
Hi, I'm thinking of opening a Moneyback Rewards CC with Alliance and Leicester, and it says that you can redeem your points for vouchers for popular high street retailers. Does anybody know which high street retailers exactly? They are very vague on their website:…
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Lloyds TSB card for IG
Hi all, I have got the guaranteed offer to have a Lloyds TSB Classic credit card. If I accept this offer, I will intend using for IG accounts. I have read the T&C and they don't mention that there is a charge for that. Does anyone use this card for IG, etc. ? Can anyone confirm that there is no charge or not? Thanks.
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Natwest Credit Card
I recently applied for a Natwest credit card and have been accepted. Does anyone know what the starting credit limit is for this card?
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Chances of having a high limit
Just wondering. As I made a thread earlier regarding balance transfers, I have another loan of about £19k in total. I was just wondering what the chances of getting 2 (with 0% BT) cards with a total limit of £20k? Because I read a few posts here and a few people seems to have been accepted immediately and have limits of…
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What income declare without an annual income as such?
Hello, Since I'd like to increase my credit card credit limit, the credit card company asks for my "gross annual income". The trick is I have no fixed gross annual income, but I am on hourly-paid contracts which give me variable monthly income. Then, what annual figure should I refer to to answer the credit card company? I…
