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Payments By Third Party.
Can anyone tell me if it is possible for a third party to make credit card payments with their cheque book for you? Since the names would be different? My mother's married name is different from mine and so I was wondering if during her illness I can just write a cheque and send it to the credit card company with an…
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FD Payment allocations
I have a FD Gold card with two BTs on there. One for £1850 and one for £500, to utilise the 5.9% 5 year deal. I'm trying to figure out my payment allocations. At the moment I pay the minimum which is 3% and it states that 'payments will be allocated to BTs, Purchases and Cash Advances in that order after any fees, interest…
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Failed Credit Check for BT to Virgin
Hi All, Having found this website and the forums I now have the confidence to face up to my debt problems and start tackling them. However, I have come across my first hurdle. I have £6500 outstanding on a Lloyds TSB credit card at 15.9%. I bank with Lloyds and told them I was thinking of doing a BT to another card and…
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Tesco clubcard credit card deal or no deal
Anyone any good at number crunching:confused: . I will get charged 2% of my total spend if I use my clubcard credit card to pay off a certain account. My total spend will be around £8000 over 4 months. Will I actually gain in clubcard deals by paying the 2% or would the extra charges actually cancel out the deal…
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Reclaiming credit cards charges passed to Debt Collector
Does anyone know if you can reclaim credit card charges if your account with the lender has defaulted and is with a Debt Collection Agency? It would be nice to claim it back and then use it to pay back the Debt collectors Thanks
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Capital One reduced monthly payment plans
I need somebody's advice, we have been on the above agreed plan for a while and have paid the agreed amount each month on time. The plan was set up as we were victims of fraud - but withdrew the cash ourselves, so this was their option in helping us. Not once did they say as a result of giving us a reduced monthly payment…
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meeting application criteria
i have a credit card with first direct at 16.9 apr and i want to transfer the balance to a lower or zero rate card. i have exellent credit history however i am currently a fulll time mother so not in paid employment. the applications i have so far tried all require an income. does anyone know if i can do this without…
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To cancel or not to cancel..that is the question.
I currently have 2 credit cards - 1 is used for my slow stoozing where the 0% on purchases runs out next March and the other is my ipoints credit card. I'm only using my "0%" card to build up interest on my savings so the other 1 just sits in my wallet. Is it possible for me to close my ipoints card and re-apply next year…
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Applying for credit card which one?
Very confused :confused: I want to apply for a credit card to buy my plane tickets to go on hol in April, but not sure which one to apply for. I have 3 other credit cards, but at the limit. Credit score good. Could anyone give some advice please. :)
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Using a credit card oversees
I plan to go to Australia next month. i want to use a credit card(s) to use for big buy's ie. Hiring a camper van for 2wks. and to use day to day to withdraw cash. i intend to settle the balances in February, when i get some money. any ideas?
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VIrgin: BT for existing customers to clear overdraft
Prompted by Martin's newsletter today I logged onto my virgin account to see that my card, which is empty, has an offer of 0% until July next year on it to transfer money into a current account. I have an overdraft of about £1700 and am very tempted to do this, Being a long-term tart I'll keep an eye on it when the offer…
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Citibank having a flap about....
Credit Card Payment Protection asking me if the product was suitable for me and requesting I contact them.... Didn't really pay much attention but this is now the 4th letter in 2 months so something must be a tad wrong. Question is, what wrong apart from them flogging me insurance I didn't want or need. They did offer it…
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Barclaycard Breathe CONS!
when i signed up for this card I was told i would get 12.9% apr and 0% purchases for 12 months now the offer has changed to no purchases offer and 14.9% apr i ordered this card before the offer changed and when i called there now telling me its 14.9% apr and no purchases this is such a con, what can i do??
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Egg statements STILL not working!!!
Is anyone else having this problem with the Egg credit card? For nearly 4 weeks now I have been unable to view any of my statements. It is very important as I noticed fraudulent use on that card and need to check that there has been no more fraud. I have been sent a new card which has been activated and the old one…
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Credit Agency Editing Credit Reports
I used CreditStatus.com to check my credit report and it says that you can enter some comments on your own credit file for other searchers to see, they explained this on the site http://www.creditstatus.com Is this right? What type of information can be added to your own credit report? If I was slow with some payments can…
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Closing and Reopening Credit Cards
So, I have a balance of £1000 on an egg card and I plan on paying this off in the next two months and cancelling. I was wondering, if I did this would it then make me ineligible for their 0% offers if I wished to reapply for an egg card when my 0% runs out on another of my credit cards? Thanks in advance
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Overseas, but UK credit card debt
Hi all, I'm new here as a poster, though I have lurked for a while. I've searched on my problem, I hope I'm not repeating an FAQ. I'm currently overseas, so I can't tick that UK resident box. I have Uk credit cards (and debts) from when I lived there. I'm wondering if anyone knows of a deal that could possibly help. My…
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Halifax Credit Card Help
Hi all, I received my statement from Halifax this morning to find another overlimit charge, I have been paying off the minimum each month but obviously this doesnt account for the interest which Im confident it used to! What I would like to know is in Martins thread about reducing your card it says something about making a…
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Barclaycard Breathe
I recently took out a Barclaycard Breathe card as it says on their website that it was offering 0% interest for 12 months for balance transfers. On receipt of the card on the 6th Nov. I had to ring to authenticate it and was told that it was not offering 0% int. for 12 months but 6.9% until the balance was paid, it did…
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anybody know what purchase protection barclays give
As title says I can't seem to find anything on their website if anybody knows I would be grateful Many thanks susanne
