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First credit card.
I'm looking to get my first credit card, mainly for a long interest free period for purchases of £300 I need to make, secondly to have for emergencies. I'm currently on Incapacity Benefit and was wondering how much this will affect my chances? I don't want to make too many applications, i'm concerned if i'm turned down…
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Fees introduced on credit cards?
About 6 months ago (or was it longer) there was a lot of talk in the press about that Credit Card Companies would be "forced" to re-introduce annual fees. Has anyone's CC company actually done that? Mercifully, mine hasn't - it's GM Mastercard.
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Section 75 Credit, card Company refusing to help
I am in a dispute regarding a car we purchased via Bank of Scotland, Visa Card. The car, we can prove was misrepresented in Autotrader and that the purchase was from the garage and not a private sale as the garage owner claims. All the documentation has been sent to the Bank of Scotland. After 3 months of correspondance…
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does car insurance count as a "purchase"
Hey, I'm looking at applying for a 0% interest credit card for 10 months and wondered if purchasing car insurance counts as a "purchase" or would it be considered a cash advance. In other words will I be charged interest if I pay my car insurance with it? Any help would be much appreciated, Cheers
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Deposit paid by Card, cant get refund!!
Help I have paid a deposit on Barclaycard for a car and now a week later can't proceed with the transaction. I have asked the retailer to refund my money, but they refuse. I did sign an invoice that said that deposits were non-refundable, but was lead to believe that this was not legal to hold me to this. Barclaycard don't…
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Help i got a virgin credit card to transfer a balance and now it won't let me!
I got a virgin CC to transfer the balance of my Alliance and Leicester and i've just tried to do the balance transfer and its says i'm not allowed because they are both MBNA! what do i do now? can anyone see a way around it??
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Another Credit Agency to check
http://www.guardian.co.uk/money/2008/nov/15/national-hunter-credit-agency Another agency to check if you have been turned down for a credit card However you have to do Data Subject Access request under The Data Protection Act costing £10 not £2 like the other credit companies.
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Credit Card - can anyone explain my rate ?
I'm a bit confused about something. My c/c spending is about 1.5K p.m. but occasionally ( about once a year ) it'll go way over. My Goldfish card, which is my main card, has a 2.5K limit, so on the 'high' month, I'll also use the Mbna card which has a 5K limit. This is the 'high' month so both cards have balances. Both…
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bank correction credit from no where???
ok here is the story... about 2 months ago capital one took 2x £80 out of my account when it should have only be 1... after weeks of moaning crapitalone gave me £80 back off my card, so i closed it down.... at the same time i reported it to my bank... checking my online system they have given me £80 correction credit???…
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Please help - where do I go from here?
Hi there I have decided its time to sort out my finances and my credit cards. I have three cards at the moment and I am only paying the min on two which means I basically only barely pay the interest off. I thought I could open a new account with 0% and pay off the £150 that I pay off a month to three seperate cards to…
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Mbna
Please could anybody tell me if the Mark and Spencers card and Tesco card are part of the MBNA group. Thanks
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section 75 question??? Speed Ferries
I bought a multi trip ticket with Speed Ferries back in April valid for two years They are now in Administration! as from today I have not used any of tickets, can I still claim under section 75 of the credit card act or is there a time limit of 3 months from the time of purchase to claim?
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Goldfish credit card cancellation
Does anybody know if it is standard practice for a credit card company to refuse to cancel a credit card account by cheque if the account holder is due money back from the credit card company? (due to overpayment to them or refunds back to the card) Only the wonderful Barclaycard cutomer service people in Delhi say they…
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lloyds tsb duo statement - no november one?
ok maybe i am reading it wrong, however my lloyds statement is alway on 13th of the month, so i have signed on to my online account this morning to double check i know how much it will be (i pay each month in full) as ive got my payslip from work so working out my outgoing/incomings for the month (just wanted to check as i…
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Asda Credit card fees
I've just had my new statement and a nice letter telling me I didnt pay the bill last time and charging me £12 plus interest. Due date was 4/11/08. I paid online on the 31/10/08 bank reckons upto 3 days for the transaction to occur so the payment should have arrived by 2/11/08 at the latest. Back of the credit card…
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CAPITAL ONE!!! Payment Plan Problems
Ok, i have been on a payment plan with capital one for the past year. After a telephone call a few months ago they said they would get in touch with me this month, so i guessed that they would want to ask for an increase in the payment that i was sending them (curently £20 a month) But now....they want £540…
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Making my first PPI claim!
Hi, I am starting to put together all my MBNA statements which go back to 2004 to the present day. All this time I have been charged PPI and now I want to claim it all back. Can anybody give me some advice, if I have ticked the original box which says I want PPI insurance included, does this mean I won't be able to make a…
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Please delete this post
RESOLVED :-) Thanks Please delete this post - I dont know how to do it
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ulster bank problems
i opened a visa account on the 26 of april and did a balance transfer i paid it back in full it reached my account 23 of october i thought it would be within the free 0% for 6 months i got a bill 2day for 9.68 intrest i phoned them they said it goes by my statment date and intrest was charged from the 13th of october i…
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argos mastercard
offer from argos today via cheques to balance transfers, 3% handling fee, 0% interest for 6 months including super BT to bank account. I complained last week that cash back was not really true cash back if its given in Argos vouchers to spend in store its more a loyalty discount. They half agreed. Meth
