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Purchase made *on* statement date - Nationwide
Hi there, If I make a purchase on the statement date of my credit card, will it be on the old statement or the new one? I.e. if my statement date is today but the transaction shows up after the statement is produced I don't have to pay it off until October but if I time it wrong and the transaction shows up on the 12th Aug…
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Credit Card Purchases
Hi everyone...can someone help me please. Im looking into getting a Credit Card which is 0% on purchases for 11 months. If i wanted to pay for my Boob Job by Credit Card....would this be classed as a purchase??? :confused:
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when to apply for new credit card ?
Hi , I am buying a lot of items on my halifax credit card from now until 5th september (about £3000) to refurb a property .I have good credit rating and want to transfer the debt to 0% deal for as long as possible . When do I apply for a new card? My next halifax statement date on my cc is 11th september. Finally is HBOS…
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Please Help Need Advice
hi im receiving income support and disability benefits . my bank tsb knows my situation , i took out aloan in april for a car 7,000 , then decided to do my home up, using overdrafts and credit cards , i called into bank and asked if i could top up loan instead of paying interest on overdraft and cards , my overdraft limit…
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Is it legal for AMEX to ...
Hi my daughter has an AMEX card and on several occasions she has missed payment dates by the odd day or two. As a consequence they have increased the interest rate that she is paying back - apparently something in the t's & c's. She owes about £1700. Is this common or legal practice ?? Any responses would be appreciated.…
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barclaycard
I have a credit limit of £4000 with barclaycard which I never use, but they keep increasing it month on month. I wanted to know is it possible to decrease the credit limit to a more sensible one and apply for another card. I wanted to know is it possible to increase the limit on the barclaycard later or will they refuse.…
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applying to transfer CC balance
Hi everyone I have finally decided to get a grip on my finances. I have about 1300 on an overdraft (not approved!) and then I have 800 on a credit card which i pay the minimum on each month. I hope that the extra work i have done this summer will pay off the overdraft - and then I need to deal with the credit card. Because…
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Old Credit cards - worth keeping them going?
Ok so I have a few cards on the go at the moment. Not because I needed to juggle money around but because each had something I was interested in at the time: HSBC - My std bank issue one. Had ages. Barclaycard - when they did price promise. Again had for years. Halifax 0% interest one - got to spread the payments on a big…
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Barclaycard offer of another Card- Barclaycard Charity
Hello Moneysavers! I am a Barclaycard Platinum Credit Card holder and got a letter offering me another card with them... Barclaycard Charity, It look like it is Pre-Approved as I only had to confirm income and phone numbers then sign. Has anyone else had any experience of this in the past ???
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Capital One 0% on purchases 15 mths
Hi can anyone please just clarify for me that if I was accepted for this card (first card) I would have 15 months to pay off my purchases with no interest payable. Also what does the Interst Free Period "Maximum of 56 days for purchases where the balance is paid in full every month. 0 days for balance transfers and cash"…
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Claiming On Credit Cards
hi everyone, i hope somebody can help?? i have bought a laptop off ebay and paid via my capital one c/card through paypal £160. when it arrived today the screen was broken, i dont think it was done in transit, i have put in a dipute with ebay and a claim with paypal under their free ins. but you only get 80% of your money…
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claims on c/cards
hi everyone, i hope somebody can help?? i have bought a laptop off ebay and paid via my capital one c/card through paypal £160. when it arrived today the screen was broken, i dont think it was done in transit, i have put in a dipute with ebay and a claim with paypal under their free ins. but you only get 80% of your money…
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Egg - wishing they would have a humpty dumpty moment
Any advice Grr grr grr - sorry just off phone to the very charming but incredibly unhelpful girl at Egg. CC is over limit - and only so cos I was/am struggling with it - so tried to contact them by email, twice and no joys - so rang today. Asked what options there were to help me pay it off - told them was considering an…
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Purchase charges
This may be called something else and I may be repeating another thread, but here goes. I would like to buy a car using new credit cards. The dealer is OK with that but tells me he would be charged 1.5% (ie. £300 in this case) which he would have to pass on to me. I have no reason to doubt him. Is there any way around this…
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interest
How is interest calculated on credit cards? is it daily or monthly? The reason im asking is because im wondering if to pay £5 a week of my credit cards plus the monthly payment, or just pay more than the usual monthly payment when my statement come? does it make any difference?
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CC 18 yr old suggestions/tips
Hi, im turning 18 on thurs, so trying to be grown up and getting evrything sorted! (maybe best now, as i doubt i will have a clear head on fri!!) :beer: i am looking at the a+l premier 21 current account, looking at ISAs and lookign at a cc to build my credit score. I am planning to use this c card for online purchases,…
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Credit card application (urgent help if possible!)
Hi, I'll just make this short! I've made an application for a credit card. They ask if you've got other credit cards- credit limit balance etc. I put down that i've got one other and wrote down the balance, credit limit for it. After submitting the application it occured to me that the credit card was actually taken out in…
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NAT WEST CC, 0% deals for existing customers?
I was just wondering if anybody had any experience of paying off their Nat West card and subsequently being offered a BT. I see new customers are getting 0& for 13 months. Thanks
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MNBA - BMI and nice free Ride
One fine day I read about MBNA and thought thats good I give that a go, yes earn some airmiles, so I applied and got a card, after several months of spending and paying back and spending £5000+ I thought I would see if this really works so I tried to book a flight and behold, NO was the answer now I begin to see how a…
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How to control the risks of the company?
Hello friends, I am working for a private loan company and want a helpful suggestion from you people. I want to know that while giving loans to so many people there are many risks of retrieving the loan amount along with the interest so how can we control the risks towards the company or how can we minimize the risks?…
