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help me please, default
first id like to say thank you in advance for any replies i get, right where to start im in the process of getting a mortgage when i get rejected due to barclay card having put a default on my credit for 3 missed payments, but i had rang and explained why i work away and could not log on to my onternet banking and that my…
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poor credit scoring
I have a problem with poor credit scoring. I have four creditcards, three of which i have balances which i transfer regularly onto other cards when the 0% interest rate expires. Thinking this is a great idea to pay off the balances without paying interest rather than going for a consolidation loan. I have a good credit…
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You're in debt mistake by credit card company
My credit card company mistakenly told me I had missed two minimum payments when my account was actually in credit and I always paid in full by direct debit every month. They said the letter was a mistake and my account was fine. Will my credit rating be affected?
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Credit Bulider, Gold Master card Pre-paid CC
Hi, ive done a search but couldnt find any info anywhere. Does anyone have one of these, has it helped improve your credit file or have i just signed up for a £60 tacky paperweight! Is having a prepaid credit card actually benefit to anyone? Thanks
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Cifas!!!
Hello everyone, I have just got a copy of my credit report from Equifax, after a knock back for a card. The rejection letter states: "We, like many other financial organisations, have our own unique scoring system which is used to assess the details contained within the customers application. If one or more of these…
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Getting debit card style cashback on a credit card
Hi, Does anyone know if there are any outlets that will let you get cashback as you spend on a credit card, just like when u get £20 cashback while you buy a fiver's worth of graceries at Spar to save a trip to the cashpoint. There is a good reason why this is more beneficial to me than using my credit card at an atm just…
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Help Required
Hello There I thought i would write you a quick message this evening to see how you are and to see if you have anything planned for the weekend. My partner and myself currently have two main bank accounts which we have an overdraft on. At the moment we are using our overdraft on both of the bank accounts as we don't seem…
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Nationwide - easier to get Credit Card or Debit Card?
Hi there, I think I read before in MSE forums about Nationwide Credit Card being easier to get than the Debit Card, is that true? I already have a Cashcard with Nationwide - now for convenience I just wanted to either have a Debit Card or Credit Card with them - easier for me to make foreign purchases an so on. (I settle…
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Egg credit card charged twice
Hello everyone i noticed that our credit card (Egg) was charged twice for the hire car we had on holiday, once in the uk and then again in france, each time just over £200, have only just noticed as the egg statements are online and i don't check them very often. I have filled out the form on hertz website, can't find a…
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Virgin Not Changed To Minimum
Hi All, I have an account with which i keep just enough to cover payments etc, (to stop the fraudsters getting at my money!) I got the usual letter from Virgin the other month stating that they would be changing my usual £200 a month payment to the minimum and this would come into effect on the 1st December 2008. Alas, on…
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CREDIT CARD CHARGE v DEBIT CARD
Hi I am shortly due to pay for my holiday at a cost of £4k, however i am reluctant to pay the charge if i use my credit card(mastercard), which would be 2%. I do appreciate that there are "insurance/peace of mind" benefits using a credit card especially in this financial climate. I have a debit card endorsed bwith the…
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Trying to pay off and close a credit card
:mad: :mad: :mad: :mad: I know I've been here before - but I am absolutely fuming. I intend paying off my full outstanding balance on my Natwest credit card on 16th December and closing it. I was told the amount will be £7338.50 (ouch). Fine, I said, I will deal with that on 16th and close the account completely. Natwest…
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My cap 1 and MBNA card
morning guys I have credit limits on both these cards at £500 but balance on them are both zero. What will happen if i dont use them at all will they reduce my credit limit? I know ppl will say make a small purchase on them each month and pay them off but am trying to stop spending on them so rather not use them, give them…
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Obtaining Your Credit Check Through The Post
If I send a £2 cheque to both credit check company's, would I obtain my actual credit check? The websites only indicate that I would obtain my credit report.
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Credit cards and ATMs
Hi, first post. I'll give some info before I ask my question, I'm a student and I have a Debenhams store card that I got for a good chunk off a lot of clothes I was buying about 5 months ago and I paid it off within two weeks, since then I havent used the card and swore I wouldnt use it again as I only wanted that initial…
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MBNA use these Agencies
Experian Ltd Consumer Help Service P.O. Box 8000 Nottingham NG1 5GX 08702 416 212 Equifax Credit Information Credit File Advice P.O. Box 1140 Bradford B21 50S 08700 100 583
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i need payment help
hi friends,i will pay my cc bill monday who do i make cheque payable to? (abbey mbna card?) do i write mbna or abbey on cheque,nothing on statement?do you write card number on cheque? paying in bank branch:money:
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Card Fraud Edinburgh.
Used your plastic in Edinburgh? It is believed that hand-held chip and pin card machines are being targeted by the criminals. Hundreds of people could have been affected by the scam in the area. (APACS) Article from the BBC click here. Tips: Check your statements . Consider getting yourself Chip & Signature Credit cards.
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American Express - Minimum Payments
I have an Amejust set up a DD on my new account but I think this will only pay off the minimum payment, how do I update my account so it pays off the full balance?
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HSBC card experiences
Who else has this card? How do they treat you? I've got 3 months of 0% APR and then I'm on 16.9% Do they give automatic CL increases, or do you have to apply? Do they have a reputation of suddenly upping your APR or slashing your CL?
