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Marks and Spencer credit card - 500 bonus points
Dear all I took out a Marks and Spencer credit card 2 years ago following the article from Martin regarding 0% interest for a year I cleared the entire balance at the end of the term and am doing the same with another card now This means my Marks and Spencer card is in my drawer, not being used However, twice in the last…
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Barclaycard Credit builder cannot apply online....
Hi all, Have decided to apply for the Barclaycard Credit Builder card for two reasons 1) New to credit 2) Hammered searches on Experian about 6 now I believe in the last few months. Is it correct that you can only apply in branch? If so this is a little pointless. Anyone know of any other credit cars that use EQUIFAX or…
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Missed Credit Card Payment :-(
A few years back, I went on arrangements with all my creditors to pay them a small amount each month, however, two months ago I decided to lift the arrangement with Virgin as I was paying more than my minimum payment would be even with the 14.9% ARP in place, so this I did. On 10th October, I sent Virgin a letter asking…
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not much time to pay Virgin credit card
I recently opened a credit card account with Virgin with 0% interest and transferred an outstanding balance of £3000 from Lloyds. I have been away for a week during which time my first statement arrived. The statement is dated 12 November (and arrived while I was away) and the first payment has to be made by 28 november! I…
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Equifax
Hi, I am a little concerned and am hoping that someone can shed some light. About 5 weeks ago, i applied for a Flybe card and was declined, a couple of weeks later i applied for a JJB card, and havent heard anything, but to be honest just gave up. Today i have looked at my Equifax file, and there is a "New Search" on my…
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Claiming charges on Corporate Cards
I had a british airways diners club card through my company for nearly a year and i always paid off the balance on time. On one occasion i forgot to pay (Yes i should have done direct debit) but i only missed the deadline by a few days. I was charged £80.00 for submitting the payment 4 days late. I don't know if i can…
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The M&S Card. The John Lewis Card.
I'm interested in both of these cards. I've read they're run by HSBC. What does that mean exactly? Will your account conduct at HSBC be taken into account during the application? Or are they actually completely separate from HSBC? And, how hard are they to get and what sort of limits and APR do they offer? Thank you kindly.
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Virgin Credit Card: missed 1st payment allegedly
Hi Money Savers I need some help/advice if anyone has any experience of the following (sorry for essay)? I recently took out a Virgin Credit Card to try and sort out some debt by doing a Balance Transfer in mid October. Everything was fine and I registered for online banking etc and made a first payment for £275 a few…
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Credit File
Hi everyone, I am confused. Earlier this year, I logged into Experian to view my credit file and my personal loan, credit card x2 were showing on my file. I have a £2300 limit with Virgin Money (MBNA) and £1500 with HSBC plus a loan for £4000 outstanding. Only my file is showing as me having no available credit at all and…
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citibank and shopperdiscounts
Has anyone had a problem with being charged £8 a month for shoppingdiscount? I took out an easyjet credit card and I am being charged the above amount, however not aware of this I got charged £20 late payment so I had to pay £29.56 and now I have another bill for the same amount for this month. I don't use the card and…
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Which Credit Card?
Hi everyone My boyfriend and i are moving into a new house shortly (first time buyers). As we will be purchasing items online etc my boyfriend wants to get a credit card for payment protection purposes. At the moment we now only have a current account each and we have never had a credit card. Basically we just want it to…
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Should I use credit card to clear overdraft.
Hi there guys and gals. First tome poster here but I have used all your wonderful posts succesfully many times. Thankyou! I have a HSBC graduate account with an arranged overdraft of £2500. The first £2000 is interest free (until end of next year) and and the last £500 is not. I am employed full time but not on the…
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Data Protection And Data Sharing
Am I right to think that it is not a legal obligation to share data regarding an account but only a legal requirement to ensure that any data shared with third party (credit ref agency) is correct and accurate. If this is the case am I right in thinking that I can withdraw my consent for the sharing of any data by a…
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M and S Card bonus points
Anyone know if the bonus points vouchers that you receive in the post with the money off vouchers is linked to your card? My mother has different ones to me and wants me to buy stuff for her and use some of her vouchers. Trying to work out if I can do that using my card????? Also, can you use the money off vouchers with…
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Section 75
I booked a holiday with XL using my Tesco credit card, I sent Tesco CC all my tickets, receipts etc but have had no refund. What do I do now?
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Does Flybe have an online account page?
Strangely I can't seem to find a link for online account management for the Flybe credit card. I hope it's just me because I find it unfathomable that in this day of modern technology that they haven't got one.
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LTSB Credit Card
Hi, I been to LTSB today to check if I qualify for a Credit card. They said it should be fine because I am on no. 3 credit risk according to there system. They advised me to come back on Monday beacsue one of their system was down. Can anyone advise how this credit risk system works and will they do a credit check? At…
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Moved thread for help please.
Hello all, This is the first time I have used this forum and I'm hoping that I'll get some help. I recently changed a direct debit date on my bank account for my Egg Credit Card. In doing so the original DD was cancelled. After a trip away to Germany I returned home to find letters from Egg including one stating it was a…
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Balance transfer fee question
Im looking to stooze a balance onto a Barclaycard Platinum CC, I've built up a balance of £1000 on my Tesco CC with regular spending and put the cash I would have used into savings... now, when I balance transfer to Barclaycard, where does the fee come from? Do they add it to the Barclaycard total as part of the BT, or…
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Use 0.5% cashback or 0% card
I have both cards so it is better to use a 0% and put money in a saving or use a 0.5%. Many thanks for your help.
