Credit cards

Archives for November 2008

Credit card cheques
I recently recieved some PURCHASE RATE credit card cheques. (Note, not the EVIL cash rate balance transfer ones). They were for Captial One with whom i recieve 1% cashback. I decided to give them a ring to check whether i would recieve cashback on the cheques. Obviously a good deal for me as i can get a months worth of…
Barclaycard 2% cash back for supermarket/fuel spend
At the end of October 08 I received a leaflet from Barclaycard saying I would get a 2% cashback for any supermarket spend or fuel spend in November 2008 (I think) up to £1000, Anyway, I checked my November statement today and it's only got the standard 1% cashback up to £200. Did anyone also get this leaflet and did I miss…
Balance transfer help
I have recently become a university student a few years late having been working various temp jobs for the last few years and have a debt of 2500 on my mint credit card. I'm unemployed and right now, am finding it incredibly hard to find a job near me that fits in with my university schedule, and as I don't drive this…
Need a 0% balance transfer offer for Feb 09....
but needs to be different companies to BT credit card (which I think is MBNA), Abbey National Credit Card (Santander), Citi Bank and I might still have a capital one card Im under the impression that I cant balance transfer to a new card which is with a company that I aready have a card with? Is that right? Thanks
NEW to Credit cards & need advice PLEEEASE!!!!
OK, so I'm new to this!! I've never had a credit card before and am not entirely sure I understand it all..... I have just got a new job, which I am due to start in January, but obviously that doesn't help with Christmas. If I were to get a credit card to pay for Christmas, can I hold off paying my first credit card bill…
Capital One - Overlimit and can't pay..
Hi, I have a Capital One 'Classic' (ie - 30% APR) Visa card, and due to my not thinking straight, during the last few months, going through a messy break-up, I'm now very stressed about this. I only got the card back in May of this year, in order to improve my credit rating, yet I stupidly started using it.. My limit is…
Which Credit card companies still have call centres in the UK?
I'm just about to give up on Barclaycard having had many satisfactory years as a Goldfish customer. Barclaycard Goldfish is not working for me and I would like to know which Credit Card companies still have call centres in the UK. I cannot take any more frustration and exasperation I have so far experienced.
Some free knowledge
Just to make people aware that they have some cover even if they dont get the protection that the £100 spend on a credit card entitles you.Its the visa chargeback scheme and heres a link if you want to know more http://www.bbc.co.uk/northernireland/oyb/proginfo_29-11-08.shtml.Also check out moneysavingexpert and here at…
Xmas Joy at RBS
Now that RBS are state owned, they might conduct business better and in a civilised way. Two years ago, these cowboys, under the name of MINT charged me a late payment fee of £12. I owed them the huge amount of £3.19 ! I was 9 days late. Yes it was my mistake. However the decent , business like thing would have been to…
Can anyone help!!
I have a Capitalone card with £0 on it and a £4000 credit limit at 14.9% pa I also have a Virgin card which was 0% for 15 months. And 0% on balance transfers until Oct 2009. I have £1200 on this. Unfortunately I accidently spent on it last month which now means I am having to pay interest. I know STUPID!!:o Can I move the…
They've reduced my credit card limit!
Hi, can anyone advise me please? I've just had a letter from my credit card company (Skycard) saying that due to the credit crunch, they have reduced my credit limit from £9500 to £1300. This means that i am already at my limit this month, so i can't use the card until this month's payment goes through (12th Dec). Why have…
Ccca
What can anyone tell me about the CCCA prior to April 2007 when no agreements have been signed and the Card Companies cannot produce one?
barclays breathe
From a very newbie, can i ask for some advice, i have taken out this credit card, the only one i have, what i intend to do is buy a new bathroom suite and pay it over the 12months, but i will not be ordering it before january, so as i have card from november i will only have 10 months to pay it up, so as i am not used to…
virgin driving me nuts!
I recently cleared my virgin cc with a balance transfer and OH MY GOD they seem to have gone crazy. In the past few weeks I've had three identical letters telling me they've increased my credit limit (to a ridiculously high amount that I don't need nor did I ask for it), and now they've started texting and emailing me…
Natwest Black Card
There was a !!!!!!!! standing in front of me in the queue at LK Bennett today. When it was his turn to pay for his purchases he began to act really quite strangely. Instead of just putting his card into the chip and pin machine, he started waving the card around and then gave me a sort of sidelong look. Then his female…
Nectar Amex Credit Card
I have just noticed from my Nectar page, I have the following offer if I take the Nectar Amex credit card : 5,000 bonus points when you spend £200 on your Card within 3 months of your Card membership. Apply at nectar.com/P24. I have two thoughts: 1) Do you think I can go via a cashback site (Cashbackkings or Quidco) and…
Is AMEX's Online Banking down?
Just logged in and found that all of my cards details are "Unavailable". This includes my Green charge card and Red credit card. Is anyone experiencing the same problem as I am? Will give ring them in a minute to find out what is happening. Maybe they've cleared my balances for free :p
Equifax
Hello MSEs, After my application was declined by HSBC for a CC, I decided I want to see whats on my file.TBH, I have not checked it before cos I know its pretty bad but I have got a contract phone since 2004 and never defaulted with T-mobile recently opened an acount with Natwest and was given £500 O/D. So, I just made up…
Credit Card Debt advice please...
Hi All For the first time ever, my CC debt is up to 2K. My current 0 per cent deal is coming to an end but I have a few savings in a mini cash isa - should I try find another card with 0% balance transfer and keep paying off at a rate of a hundred quid a month as I have been doing, or just pay the thing off from savings…
Credit Cards
I am told that the under the consumer credit card act prior to 2007 that if a card company cannot provide within 14 days a signed copy of the original CC agreement that the accounts may not be inforceable. All of a sudden as seen on Panorama companies are springing up saying without signed agreements these card where never…

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more than car insurance swinton
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
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