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Cash AND credit Balance transfers
Hi, Probably an obvious question, but i have both cash & credit debt on my barclaycard. If i should transfer this to another card, does the whole amount become interest free for the period the new card is offering or just the credit bit? Thanks in advance
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Daughter's partner used card
Our daughter has recently split up with her partner (not married) and the father of their two year old. She gave up work to look after the baby and he works in the City and is on a salary that most of us can only dream of. However, his lifestyle means that he spends far in excess of what he earns. Part of his job involves…
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Barclaycard interest
Barclaycard have charged me £1.00 interest on a balance of £22.00. The APR is 12.9% although on the statement they show a rate of 1.019%, presumably per month. However, I make the amount to be 0.22p - can someone please let me know if my calculation is correct as I don't quite understand how they make it £1.00.
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conflicting answers
Hi I have a nationwide gold credit card, which I have put £2000 on balance transfer. I am going to be using this card abroad. I have phoned nationwide, who have given me 2 different answer to my question. If I spent £1000 abroad, come home and repaid that £1000, what would that £1000 pay off,and would my £2000 balance…
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Capital 1 charging £5 cash interest on £0?!
Hi guys, Wonder if anyone can help. On the 14th november I rang up Cap1 to close off the card because the balance had been transferred to another card. I have now received a statement which shows that on the 14th the balance was paid off and then on the 20th Nov they have added £5.00 cash interest! Can they do this even…
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M&S or Halifax - who is more generous?
Hi, I want to apply for a card with 0% on purchases. I see that Marks and Spencer and Halifax have decent deals (10 months). Just wondering who is more generous with the credit limit? I have a good credit score and I am using only Tesco credit card at the moment. Any other good ideas for long term 0% purchases cards?…
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Egg - blocking credit card with no explanation
After years with Egg, I now find myself the victim of some of the worst Customer Services I have ever experienced. Approx 10 days ago I tried to purchase an item on the Net with my Egg credit card, to have it refused. Upon contacting Egg I was told a temporary block had been placed on my card 2 days beforehand. Well thanks…
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Claiming money back
Hi. I have bought 6 tickets (£150) to goto the lapland in the newforest, but it has just opened and has has over 300 complaints and people asking for there money back. I am due to go on 21st December but looking at the pictures on the website that people have been to see (this ripoff as people are saying), i was wondering…
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Credit card fraud-how did someone get my details?
I shop online lots and am concerned about the safety of using credit cards online.I was very surprised however this morning to get a letter regarding suspect transactions on a credit card I have NEVER used except for the initial balance transfer.The fraud dept guy I spoke to told me to just be carefull in future when using…
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loan 11K onto credit cards?
Hello Folkes - gissa hand! I've got an 11k loan at 11% with barclays. I want to squash it ASAP. I had assumed you could make overpayments but nope. I earn 27k per annum. My credit score (experian) is 999/1000 Can I tackle a swift payment of this loan using credit cards over several months? Balance transfers imply credit…
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Card payment protection
Hi, Looking for some valuable advice from you clever people. Last month (OCt 08) I made one purchase on my credit card (Lombard Direct Mastercard). The statement arrived showing this purchase and added to this was payment protection on this purchase. The total amount due was paid off in full and well in advance of the…
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Caught by Barclarycard change in payment terms?
Hi all, We've recently been caught out by a 'hush hush' change in the payment terms by Barclaycard. They apparently notified customers somewhere in the small print of the Sep/Oct recent statements. Payment terms changed from 28days to 20days. We were caught out by this and have been charged intersted on the 'late payment'.…
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Nationwide - Chargebacks
Recently ordered item with amazon. it didnt come , apparantly they had a signature, so they said not willing to do anything today i am going to approach nationwide credit cards to report this and get a refund via a charge back. Does anyone know how nationwide act on this?, are they quite quick and easy to deal with?. I…
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Credit Card Debt
Hi, Im just looking for a bit of advice for a friend. What can you do about credit card debt if you have been sent to prison? There is a largeish amount outstanding and they are being hit with the high interest rates and struggling to make the payments. What can be done to help. I thought of moving it to a low interest…
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Had card stolen, returning items bought with said card?
Hi All, My Barclaycard was stolen on saturday (reported to barclaycard promptly), however we have a few items that need returning to a couple of stores that were purchased using the card. I would assume if I took the stuff back they'll want to refund to the same card... which of course I don't have anymore, and the new…
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Should I cancel this Credit Card?
Hi I have 5 credit cards which I owe money on (I owe £17,300) I have a Lloyds Duo credit card with a £12,000 limit with zero balance on it, the only offer they have at the moment is 4.9% for 6 months with a 3% fee. I'm wondering if I should just cancel the card or if I should wait to see if they have any better offers in…
