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Nationwide - Direct Debit Issue
Recently I have had two problems occur with my direct debit to my Nationwide CC. Firstly I reduced my direct debit amount on-line a few months ago. I must confess that a message came up stating that I would then need to make the next payment manually - which I forgot to do so I'm happy to wear the late charge. But last…
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Applying for a new credit card
I applied for a Virgin credit card last December (I think) as I was wanting to BT what I had on my existing card. I was rejected but didn't find out why. That was my first attempt and I've never tried since. I ordered my credit report a few months ago and my score was in the good category (around about 920). Haven't…
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M&S credit card - how long does it take?
I applied online last week for an M&S credit card (actually an HSBC card with the M&S brand, 10 months interest-free purchases). I received an e-mail the next day stating that "we endeavour to offer our Internet customers a speedy response, therefore you will be contacted with a decision by post shortly". It's been a week…
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Skycard - Credit Limit Changes!!!
Hi There...Just wondered if anyone else has been affected? Had sky card for about 3 years now, use it every month for all my purchases, and then pay it off in full every month by DD. Spend between 400 - 500. Sometimes more if i have a expensive month. Well we got a letter last week saying that they have lowered credit…
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Skycard "one payment per cycle"
My statement is due tomorrow and I wanted to pay off the balance now so I wouldn't forget. I tried to do so and the site said no, "one payment per cycle" - ie I have already made a payment since my last statement date! Do all credit card companies do this?!
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Barclaycard free credit days
I was one of the B/C customers who was moved over from MorganStanley on the takeover, shortly after they reduced my payment date by 12 days ( because I paid off the balance I thought). I wasn't too bothered although I could have missed the payment date if I had not noticed. Strangely they have now put the payment date back…
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Me V Creation Financial PPI
Hi all, I just thought I would write about a success (well I think its won but we will see) I sent them a letter about the PPI on my storecard account a week ago, spoke to them today - they confirmed they had looked into my allegation but were trying to fob me off with "its been on there for 4 years why have you only just…
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Credit Card not appearing on Credit Reports
Hi, Back in 2000 I started a student current account with HSBC along with a credit card. Since then it has been my main card and the limit is up to £8,000 (current balance at £4,000 with the aim to pay it off by April 1st of next year). Over the past 24 months I have only missed one payment and that was due to a payroll…
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Barclaycard the cheeky blighters
Just had my statement through and was expecting the due date to be 15th August (its been roughly 15th of each month since I took it out 5 months ago) so I was surprised to see due date was now 4th August. I phoned them to check it wasn't a misprint and when I asked why it had been moved the woman said "A business decision…
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MBNA Card Interest Rate Hike - best way to approach?
Hi I had a football club affinity card with MBNA. The club has recently ended the deal. I'm trying to keep this brief, but there is a bit of history. I have another credit card with them and a loan. All have a perfect payment record (even if it is the minimum). My guess is that MBNA appear in here quite a bit because their…
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accessories card
having applied for an accessories card on line, and signed online, i have just received two credit agreements , by post. one to be returned asap--is this normal , and does it signify acceptance? would be interested to know if anyone else has had this as routine--please.
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Advice Please New
Hi i think i have done a bobo. I have a capital one c/card which i owe £3600 with 0% till January 09. so i have applied for a new c/card with virgin with a 2.98% balance tranfer fee and 0% for 16months. But when i complete the online form bit it came back with only given me a £1500 Credit limit. O dear as i wanted to…
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Update?
I am 18 and just recently registered on the electoral roll and the register was updated as of yesterday by the council, however what I would like to know is how long is it until credit agencies such as experian and equifax get a hold of this as well as credit card companies and how long should I wait to start applying?
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Scam!
I don't know if I'm posting this in the right place but here goes! I've just realised that I have been tricked into paying £8 a month by credit card by <shopperdiscountsandrewards.co.uk> Some of you probably know about it already but in case there are a few who don't I thought I'd post it. I bought something last November…
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credit card company lies about bad credit reports to up interest
What can be done about this case please.My hubby has a big balance at a 0% deal on a cc which is due to expire at the end of this month.His rate before the 0% deal was about 8.9% and it was meant to revert to his standard rate at the end of the 12 month 0% period. He has been paying £150 to it each month to get the balance…
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Balance Transfer Question Asda Card
If you have 2 balance tansfers on your asda card, are your payments that you make going towards the BT thats about to expire? example: BT ends 13/12/08, balance as of novembers statement is showing as £735 outstanding on BT - my payment to clear that bt should be £735. also there is another 0% BT on the account that runs…
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Advice needed - CC Charges
I wonder if anyone can help before I go nuts at the bank when I get home I have a credit card which has a period of interest free on it - I have never missed a payment or been late before. In November the dates for payment changed and I forgot. I rang on the day it was due and tried to pay more than 1/2 of the balance off.…
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HSBC credit card fraud
Just had a phone call from HSBC, there's been 2 transaction on my account, 1 for £1200 and 1 for £600 that they thought were suspicious so have cancelled. Good work HSBC :beer:
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Does receiving a Council Tax summons affect your credit rating?
Having read the article on credit ratings. Would received a summons for late payment of Council Tax affect your rating?
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Do all current accounts with overdrafts allow you to....
pay off a credit card? We have £2874.50 on a barclaycard at 19.9% and I have just been accepted for a £3000 overdraft with my bank, Natwest. So would I be able to pay off the credit card and then pay off the overdraft (if the overdraft is at a lower interest rate of course) thanks x
