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trailing interest payment? legal?
I paid off my AMEX Nectar card in full last month only to see an interest change of 2.88 on this months bill. Having called AMEX, they inform me this is trailing interest as I didn't pay off in full the previous month. Surely this should have been included in the Total Balance, otherwise it's not a total balance? Is this…
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Interest Rates?!
Hiya, just a quick question as Im a little bit confused of what the interest rate is on OH's credit card: On the statment it says; Interest on Cash Balance - 2.207% - £4.50* Interest on Standard Balance - 2.207% - £79.50* *these are the exact figures (£'s) as I cannot remember off the top of my head But but does this make…
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I need debt help!
Hello everyone, Ive just been reading the credit card shuffle article on the site and the balance transfer info which i understand up until a point but i am terrible as soon as any numbers are mentioned :rolleyes: I left uni in June and have been looking for a job ever since, not a particular job just something that i can…
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what should i tell egg now?
hi, i've recently lost my job and have fallen into arrears with egg.With charges, etc, i now owe around 80 pounds, and my payment date is today! i probably owe more now! they keep calling me, but i darent answer the phone. i dont know what to tell them! i'm awaiting JSA, and had assumed that it would have arrived by now,…
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Creation financial services - help!
Years ago i had an Allders account store card, Allders closed down and my account was taken over by Creation financial services. I have not used my card since Allders closed down four years ago, yet i still owe the same amount i did four years ago. I spoke to them years ago and i arranged a payment plan to pay it off as i…
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Credit Card with No Paper Statements.
I'm looking for a Credit Card which allows me not to receive any paper statements. I'm currently with HSBC (15.9%, 56Days) which doesn't allow me to do so. Can some one suggest me a card with similar set and paperless statements. Many Thanx.
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credit card compromised
I received a letter today informing me that my card has been used at a merchant where account details may have been compromised.I have not lost any money and the bank will issue me with new cards. The bank won't tell me which merchant it is.Does anyone know who it might be ?My last transaction was with famous retailer and…
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How long do businesses get to charge a service to a CC?
I had some work done on my car on the 12th July and the payment has yet to be charged to my CC. Payment was taken by one of those old fashioned carbon swipe machines.. Out of interest does this method usually take a lot longer to process than a pin entry method and how long do companies get to charge your card before they…
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A 0% for 6 months question!
OK, this might sound like a really stupid question, but I've never done this before. I've opened a M&S &More CC which has 0% interest on new purchases for first 6 months, so I intend to do the logical thing and put the money in a savings account then pay it all off after 6 months - I usually pay my CCs off in full every…
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Defualt I need help with
can a DCA issuse a defualt on you or does it have to be the lender themself? Also is there a way of getting this removed as it was 3rd party issusing it
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Beware of Virgin BT and monthly interest rate rises only being displayed
I've got a Virgin card at a promotional rate of 5.9% for BTs. I had a bit to spare on the card so I decided to make a BT to another card and pay it off. I thought that by calculating 90% of what was available it would cover any fees and charges and all would be fine. Wrong. Upshot is a £21 charge for going overdrawn and…
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Can i do a Balance transfer from my husbands card to one in my name?
Hi, My OH has about 3000 on very high interest cards. i think i will be getting a 0% deal and was wondering if i can transfer his cc debt to my interest free card any replies would help thanks
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Cardholder protection plan
Hello, I have not used my credit card much in the past. I always assumed the 'Cardholder Protection Plan' on my statement was something everyone had to pay to guard against theft or loss. However this month i used my cardmore and consequetly, the amount charged to me under this protection rocketed up. When I asked about…
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Ripped off by Online Shop
Hi all I recently bought £1600 worth of computer components from Overclockers.co.uk. They sent out most of the order on the 7th and the final component was sent out on the 19th August (7days ago). Upon receipt of the major components I tested the components and discovered the motherboard was faulty. The same day I…
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A little bit of advice needed please
Hi all, Looking for some advice from those more knowledgeable than me. I basically have 8K of cc debt, which I am sick of being a mill stone around my neck. If I add up how much interest I've paid over last 5yrs or so I would cry. Now is the time to do something about it, for the last 12mths I have over paid on each card…
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Balance Transfer - Possible between people?
Hello folks, after a quick piece of advice please. I have a debt on a CC and I applied to Barclaycard for a 0% card to transfer the balance. I was successful in applying to Barclaycard but the limit is much lower than was needed to transfer the entire balance. My fiance also has a Barclaycard at 0% with a much higher limit…
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Paypal - item not delivered - where to claim
(Apologies if this thread appears twice, I typed it in once but it seems to have vanished into cyberspace). I recently bought an item from a UK online shop. (The seller also had an Ebay shop with 100% positive feeback for several hundred items). I paid with Paypal. I got an immediate acknowledgement that my item was being…
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Paypal payment who is liable for non receipt of goods
I recently purchased an item on a UK commercial website and paid using Paypal. (At the time the seller also had a shop on Ebay which had 100% positive feedback. ) I got an immediate automated acknowledgement that the item was on its way. After 10 days nothing had arrived. I emailed three times but although it did not…
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credit card use info on file???
hi, this is just a query not sure if its posted in the right section so appologies if its not. i was wondering why the information on our credit files regarding credit cards and running accounts now has more info in them, like what the spending has been in that month, how much has been paid ect, surly this has no effect on…
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Loss of an item paid for by credit card
I bought a camcorder in September 2007 from Curry's and paid with my credit card. I have just discovered that my camcorder was left in a taxi when I returned from holiday and has now long gone. Am I covered by my credit card to claim insurance?
