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High Internal Score at Bank/Not on Electoral Register - cc options (if any)?
Hi, I am hoping somebody can advise me. I'm not on the Electoral Register but will be in 2 weeks. There's not a lot on my credit files just 2 bank accounts plus one mobile account. No adverse. I've been with HSBC for 11 weeks and they say my Behaviour Score is 70 and that I am a very good customer with a high amount of…
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missed credit card payments this month
Hi I am a bit of a lurker arounder on this site. I was just wanting some advise really - don't know if it is the right place to post the question. This month has been a bit of a tight month financially and I have missed paying my credit cards, this is very bad i know. I will be able to pay off all arrears next month aswell…
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barclaycard
barclaycard have reduced my credit limit with 24hrs notice i have had a card with them for many years never missed a payment and never been late with a payment and over the years they have made afew quid out of me in interest had a balance of over £2000 when i got the letter with the reduced limit i paid the balance off in…
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credit score/unused credit cards
i read recently that you credit score is affected by the number of credit cards in your name,even though they are not in use.ive always cut my credit cards/store cards up when 0% offer finishes but never rang up to close these accounts where can i find out all the cards in my name that maybe are still open so i can close…
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Advice wanted about the mess I am in!
This is the situation, I am a student and have 3 credit cards, 2 of which I pay the minimum amount each month, the third I have not made a payment for over 6months, I have since moved house and not updated the details with the credit card company, I get calls daily from Intrum Justicia (I assume this would be connected)…
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How long after closing can I get a new offer?
I am about to transfer a couple of balances and this will leave 2 of my cards with zero balances and then I will be transfering 2 more onto one of these if I get any B/T offers (I have always in the past when I cleared the balance) This should leave me with MINT Tesco and HSBC cards with no balance. Does anyone know how…
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Egg
Do Egg normally give instant decisions in relation to Egg Cards or is it the norm to tell you they will let you know within 48 hours?
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slight problem with the free $30 offer on the virtual prepaid card from icash
hi well i downloaded the virtual card (https://www.icash.com.au/card.exe) and the $30 aus dollar did show, but then i bought a pizza from dominos and now the balance is $0.00 even tho tho i spent £13.50 only on pizza is there some1 official i can complain to about this, its a mastercard card, does any1 have mastercard…
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Result on late payments and interest
I had a disorganised couple of weeks and managed to pay the minimum amount on my John Lewis Partnership card by mistake, and didn't pay my Amex bill until the due date so of course it went through the next working day. I noticed the John Lewis mistake when I realised I had more money in my bank account than I expected. So…
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Unauthorised Credit Search and credit card application.
Can anyone give me some information on a credit card company doing a search after I declined to let them do a credit search and asked them NOT to go ahead with the credit card application. Vanquis Bank contacted me one day on the phone to say that my application for a Virgin card had been declined BUT they could help me…
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Barlcaycard Osyter cards - starting credit limit?
Hi I have just been approved for a Barclaycard Oyster card - wondering what peoples recent starting credit limits where? Thanks
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Debit card question
I opened a basic cash card account with Lloyds TSB and received a Visa Debit card and I have used it twice yesterday on ebay to pay for two items via paypal but the money has not come out of my account yet. Is there some kind of delay when using a debit card or should it be an insant payment process like a credit card?…
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Need help with my debt!!!!
I have four creditcards, £1500 (£1650 limit), £8350 (£8500 limit) £5400 (£6200 limit) and £5100 (5750 limit), I have a loan of £5500 still to pay over the next 3 years. This all on top of my mortgage. No supplier will provide a consolidation loan for the full amount! How do I clear this debt???? I have taken on extra…
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Identity Theft
Hey guys.... I was looking around and didnt know where to put this..... My identity was stolen a few months ago and they have no slipped up and provided me with an address they are using. I think i have found where they live since they have kept doing it with a lot of credit agencies etc. Do you call the police? What's the…
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First Credit Card
Hi all i was hoping ud give me some advice. My other half is thinking about getting a credit card just to help out with xmas spends etc. Problem is he doesnt have any credit history whatsoever. He has never had a credit card. He works for himself and deals mostly in cash. He has recently moved home and is now in process of…
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virgin card
i got a virgin card in june 0% for 16 months, can i now transfer another balance on to it and will it still be 0%?
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Refunds
Please can anyone tell me in their experience how long a Credit Card refund takes to appear on an account from the time the retailer process the refund ? Many Thanks in advance.
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Clearing debt: Re-mortgagae / 0% Balance transfers / Personal Loans. Please recommend
Hi, As per my previous thread regarding balance transfers, which were gracefully received. I have another. After some deliberation with my partner it has been unveiled that Me & my partner have managed to get into a debt of £18,000 pounds. The debt comprises of Student overdraft, controlled overdraft's and Personal Loans.…
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Capital One
Hi I have just been accepted for my first Capital One credit card, which is great for me as I have been trying to repair my credit and it shows that I am slowly getting there. I sent the agreement off last Saturday and received my pin on Friday when do you think it is likely that I will get my card. Thanks
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Barclaycard perfomring credit checks.
I recently moved banks and obviously had to update direct debit details - this was not a problem anywhere but Barclaycard who failed to take the money from my new account (even though the instruction was visible on the online bank interface) so they have charged me for a missed payment and over limit fee etc etc. :mad: Not…
