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Maths Guru???
Hi All, Anyone a bit clever with arithmetic? See the attached scan, from that can any body tell me what amount is from cash and what amount is from purchases? is it possible to reverse calculate? If so I'd love it if you could also show your workings, so I could learn a little too :) Thanks in advance Jamie
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BARCLAYCARD and VANQUIS - LIMITS
2 questions re card limits: BARCLAYCARD - I know they will take applications for increase after 6 months but does anyone know what increases tend to be - my limit currently is £260. VANQUIS - I know they automatically decide when to increase but I understand it is after around 6 months. Does anyone know what their…
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Pay as you go credit card
Hi all due to past credit problems me and my partner only have a joint nationwide Flexi Account with this account you only get a cash card the problem is when we see products on the net at cheaper prices than the local shops we miss out because we dont have a debit/credit card, I have heard about credit cards that you top…
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waiting on citi cards
Hi Martin Last year I started a claim against citi cards for my bank charges through the financial ombusman after a few weeks i received a standard letter from citi cards laying out there proceedure for handling complaints, i sent them the ten pound fee to obtain my statments 3 further letters later i finally received the…
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waiting on citi cards
Hi I have removed this thread because it has been duplicated. paybackrus
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Have just got a virgin cred card - but have spent on it!
have transfered a balance of £830-ish to my v.credit card. Have spent £10 in the past week on purchases. Ive read somewhere on here 'NOT TO SPEND' on balance transfer cards. So, what will happen now? shall i just pay off the £10 purchase? I have a 3 month free interest on purchases. My credit limit on the card is 4k, i was…
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Add a name to my credit card
Hi, since my other half and I are now married can I add his name to my credit cards making us both responsible for the debt? Also will the credit card company reduce my credit limit if he has a bad credit score? Thanks
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getting a purchase refund on a credit card for faulty goods
Can anyone please give me some advice....I recently purchased a bridesmaids dress from a wedding dress shop for my brothers wedding and paid for it using my credit card (tesco mastercard). The shop required payment upfront before they would order the dress and then you go for fittings. Once the dress was ready my…
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Applying for new credit cards
Could anyone help with a few general questions about applying for new credit cards please? My partner and I both have credit card balances of around £15k. Our credit ratings should be good (aside from the level of debt) although from previous applications and offers we think my rating is better. We've both had a 0% card…
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Possible to pay off a £3.5k loan with a 0% cc?
Hi guys I had a brief look through post but couldn't find my answer I have a £3k loan with a early repayment penalty of £500 with 5 years left at 10%ish with GE It was originally £5k over 10 years Is it possible to get a 0% life of balance or as near to 0% as possible and get a cc to pay it off and repay the credit card?…
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Credit Card Application
I applied for an HSBC credit card, I bank with HSBC and I was told my application had been accepted and my card would be sent in 10 days, I have now got a letter says they need to discuss my application. Does this mean I not going get the card? And would this have an impact on my credit file?
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Consumer Alert from OFT Website
CONSUMER ALERT [FONT="] [/FONT] CLAIMS REGULATOR AND OFT WARN CONSUMERS ABOUT RISKS OF BEING MISLED OVER THE ENFORCEABILITY OF CONSUMER CREDIT AGREEMEMTS [FONT="] [/FONT] The Claims Management Regulator at the Ministry of Justice and the Office or Fair Trading (OFT) are warning consumers to think carefully before…
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Chip & SIGNATURE vs CHIP & PIN.
If someone uses your PIN for a fraudulent transaction your card issuer has to PROVE you acted withouth due care. APACS. Several subscribers to these forums have found these empty words. More people than ever are considering Chip & Signature Cards vice Chip & PIN but card issuers are not forthcoming with information about…
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Virgin credit card
Hi there I am just getting back into stoozing after a 2 year break and have applied for a Virgin card and been accepted with a limit of £9k, I read in the conditions.... Promotional offer 1 For balance transfers, cheque transactions and money transfers we will charge interest at the rate of 0% p.a. (a year) in the first 15…
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Best Time Of Month To Make CC Regular Payment
Ive BT'd a loan through my Egg Money CC and the balance is now sitting in a long term low interest Barclaycard CC. What time of month is the interest calculated by Barclaycard? Is there a "best time" to make my regular payment, so perhaps I can save something on applied interest?
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Black mark on credit file - Banks fault
I took out a Barclay card in 2006 and they gave me an utterly useless initial credit limit of £320, so I called and cancelled the card and never activated it. I then moved abroad for 5 months during which they sent me 3 letters at £25 a pop telling me I'd defaulted on my repayments. It turned out that they added a £16…
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Credit Card, Clearing Balance...
Hi All, I recently got a smallish credit card from ASDA to help keep the cost of fuel down by saving 2p per litre. The plan is to use the card to pay for things to get the ASDA points too but then clear it before the end of the month so that I don't get charged any interest. However I'm a little confused how this works.…
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Egg Card Payment Protector charge
I've noticed that Egg Card have been charging me Payment Protection sometimes as much as £60 a month. I always make a point of not taking out Payment Protection and so I wrote to them and asked when I had agreed to take out this insurance. They said it was agreed "over the phone". I asked for a copy of a policy/…
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Credit search on own account
Is it still the case that obtaining your own credit file from any of the CRAs ie Experian / Equifax will result in the search being recorded on one's own credit file but that these searches cannot be seen by any other credit lender(s) (searches) ie these types of personal searches can only be seen by the account holder and…
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Which credit card companies own what?
I have one of the 15mth 0% MBNA cards, and the 15mth period will expire Nov/Dec. I vaguely remember seeing a list online of which company owns which brand, does anyone know where it is? Basically I want to ensure that my next balance transfer card is not owned by MBNA so that I can transfer from my current one to it..... I…
