-
Time lag before interest can be levied?
Can anybody out there confirm how long a credit card company has to wait before they can bill you for the monthly interest assessed? I've notice on numerous recent occasions, that I've been billed for the monthly interest before I even receive my monthly statement. The interest is automatically calculated & levied on the…
-
Virgin - pay balance off by debit card and takes 4 days to clear?
Hello, I paid my credit card balance off on the 19th as it was due on the 22nd and it has not cleared despite being an online transaction from my debit card. They say payments paid on a Thursday after 5pm will not be credited until the Tuesday in this case 25th. :mad: Is this right? I thought payments from a debit card we…
-
LOB Transfers
My wife has just received some cheques for LOB transfers at 6.9%. Am I right in thinking that she can use these cheques to clear some of my cards, which I can then close. I am sure I have read this before but am unable to find it, I also believe that the debt(s) would then become her's. Thanks in advance for any input......
-
Existing Barclaycard customer - another 12 months 0%
As the title says, have got a Barclaycard Platinum card which when first opened I did a balance transfer, 2 years ago maybe. Went to close account as wanted to do another BT in Feb and they transferred me through to their Customer Loyalty Unit (CLU) who immediately offered me 12-months 0% on BTs - from whenever I wanted!…
-
Is this covered under Section 75?
I bought a car on the 4th November on my Flybe credit card and its developed a fault. I'm struggling to find the telephone number for the dealer i bought the car off its not coming up in any listings and i've trawled right through autotrader (where i found the advert) but am having no luck. Can i claim the cost of this…
-
Any point in lowering the credit limit?!
Hi, We have a Barclaycard which is 19.90% APR and has a balance of £2974.50. The limit on the card is £3950 - would there be any advantages of lowering this to say £3000? The reason I ask is because we do not spend on the card anymore, nor will we once the card is clear - the interest is just too high to even think about…
-
5,000 Free Air Miles?
Is the card on the left at the link below worth it? Has anyone appied for the card? Has anyone had any trouble getting the air miles credited to their AM account? http://www.americanexpress.com/uk/britishair/britishairways.cgi?PID=826&BUID=CCG&PSKU=DFLT&CRTV=BAdisplay67&AFFID=tbgbaacq&sourcecode=Xscdfltba0
-
Advice needed pls :-)
Hey Guys... I was wandering if I can have a bit of advice from you. I currently have 3 credit cards, one with Egg (£1600 owed), Virgin (£1800) and MBNA (£1800). All 3 of them are 2 months behind, as I recently became unemployed and physically did not have the money to pay them. Ive had the credit cards for the past 5 years…
-
No longer UK Resident...credit card payments
I have been gone from the UK for nearly 10 yrs. I have held a number of credit cards in the UK from before I moved country...and until recently have been a perfect customer always paying far more than minimum and always on time. I have also become self-employed about 6 yrs back. The current crisis in the economy has hit me…
-
How do I stop these calls?
Hi I have missed a payment of £9.74 on my Halifax credit card and told them I can pay it next week. However they are still calling me 5-6 times a day including the weekend from 08.00am until 9.00pm harrassing me for payment. They have also sent me four letters regarding this in 10 days. Are they allowed to continually…
-
can i reclaim credit card interest
Hi, Wondered if anyone can help me. I have recently paid off my outstanding credit card bill, thankfully!! When i paid it off over the phone i just happened to ask what interest i was being charged and to my amazement the reply was 27.9% APR. I was shocked! So straight away i asked if that could be reduced. The chap who i…
-
MBNA Interest Rate
Hi all I saw in the newsletter a few weeks ago about MBNA raising their interest to 35% and sure enough that filtered through on the statements. My question is that MBNA are advertising on their site, 15.9% interest rate. I called them to ask for a reduction, but a lovely chap told me that he couldnt do anything as he…
-
Barclaycard - lost payment to account ?
Hi There, I recently made an online payment to my Barclaycard( which I have done many times before) The payment used Faster Payments so tha the payment would be on my account the same day. Now, several days later there is no sign of it on the account. I have called Barclaycard Customer services who are just hopeless and…
-
Credit card for exclusively for online purchases.
I'm looking to do more of my shopping online, specifically to begin using eBay. I would like to get a credit card so I have more protection online (I am currently using a debit card and I've just linked my bank account with my paypal account). I currently have a LloydsTSB current account and I would like to pay off all the…
-
Barclaycard (Goldfish) Statement Date change
Anyone had a problem with their statement day being changed my Barclaycard? I have had a Leeds BS card with Goldfish for years now and has always billed on 15th of the month (day either side if a non processing day). First few months with Barclaycard has had statement produced on 15th. However this month, the 15th went and…
-
Refused a new bank account - !!!!!!???
First of all, my apologies as I'm not sure if this is the correct forum or not. I'm posting here because the post concerns Equifax and Experian... Yesterday I tried to apply for a second current account from First Direct. No problem you'd think - except they did a credit check and saw 'something dodgy' in my equifax report…
-
MBNA : Minimum payment rise?
I have an MBNA Reward card, I haven't used it for a few months, but I have a promotion stating that anything bought in november and december will be at 0.0% p.a until the may 2009 statement date, so I've started using it again. I remember that the minimum payment in july was £10. Now it seems that they are asking for a…
-
Credit Card Insurance
Hi, Could you tell me if it is a waste of money to have the credit card insurance to protect against ID theft, theft of card, fraud protection - internet or otherwise etc. Am I not covered under the consumer credit act 1974. Ok, I know it is a good idea to have the insurance in case I lose my job as I need to keep up…
-
Fixed Payment Arrangements - Somethings To Be Aware Of
If you agree a fixed payment arrangement with your credit card lender, ie paying less than the minimum for an agreed period and having interest waived or reduced, you should be aware that they may consider your account as closed and may not re-open it when you clear the balance. You should also be aware that they may stop…
-
Credit card
In the last few years, the easily available credit cards and loans in the market have superbly enabled us to increase our purchasing power way beyond what our salaries ever could. I can now buy just about anything on EMI by availing of these loans and credit cards - be it a car, a house, expensive jewellery or a branded…
