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Halifax Mastercard One Credit Card
Hi, just a quick query regarding my Halifax Mastercard One Credit Card. My interest is Typical 23.5% APR (variable). I was wondering if I can renegotiate my interest rate? I currently have around £500 in debt. My credit limit is just over £8k. I've never missed a monthly payment since I've had the card in years. Just…
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Repayment of accidental overpayment
Ok, so I made a mistake - when making a payment from my on-line bank account, I accidentally made it to my Amex card rather than another one and didnt realise until a week later when the Amex SMS arrived showing the receipt. The net effect is a £2000 credit balance on my Amex whilst I need that amount back to cover my…
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Faster Payment Service
I made a payment to my barclaycard on 26th dec from my halifax current account using faster payment service. The payment left instantly and I got an e-mail from halifax confirming it was sent. It is now 29th and still not showing on my barclaycard Does anyone know if there is delay during bank holidays ???
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can i claim under section 75
I went on holiday to America last march. Booked through tour operator. Paid money in full before departure. Flew to America, stayed in hotel where they ask for a swipe of credit card in case of unpaid extras. Came home thought i had a good holiday. 3 months later i find my credit card has been charged £1800. Apparantly…
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mbna offers?
Hi and Happy New Year to all subscribers. Has anyone had a LOB BT offer from MBNA lately ? Thanks in advance Meth
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Flight Refund
Hi there, I am pretty ignorant when it comes to credit cards and what my rights are. I've read about the section 75 stuff etc. But I want to just refund my flight despite nothing going wrong , I booked it with Virgin Atlantic on a credit card and wondered if it is possible to refund due to the fact it was booked with a…
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Can refunds be made to a closed credit card?
Hi I recently received a refund from Dixons after months of wrangling - however they refunded a MINT credit card that we closed not long after the purchase was made. We have contacted MINT, who are not being particularly communicative to say the least! Am I right in thinking that the money will be being held in some kind…
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Sainsburys credit card help
Hello, i am interested in a new credit card and i have been impressed by the sainsbury's one (link below) and i was just wondering your opinion of this card http://www.sainsburysbank.co.uk/credit_cards/cca_productdetail_std_skip.shtml?source=NETSSLGNCCRD03580010&affiliateid=358 Thanks rachaelj
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late fee charge for credit card...but amount was in their "holding account" in time
Hello, I paid off my mbna mastercard bill in full by online switch card payment via the mbna website on morning of 18th December 08, amount left my account on 19th December, due by the 20th (a Saturday) but payment never registered with mbna until 23rd. I have now been charged £12 late payment fee. According to my bank,…
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Credit card reclaim charges
Hi -I cant find details of my old barclaycard -ie account number to reclaim charges.Barclaycard say they cant find it.Only 3 -4 years since closed-any advice??...i can hardly believe they have no record!!
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Stupid girl needs help
Hi all, Hoping that some experts on here have some advice for me. Store cards came into my life 5 years ago..! I first got a Topshop and Dorothy Perkins store card (GE Capital) when my (then) boyfriend made me an account holder on his credit card. I was 18, penniless, but at first I didn't do a bad job of paying the…
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any one else getting lots of emails from cap 1 ref the estatment being ready?
any one know if there is a problem with cap 1 or is it my internet account? as my statement is produced on the 27th and since yesterday i have had 7 emails stating the "estatement" is ready for veiwing, the estatement is a duplicate as i still get the postal one issued, so i usually dont go to the online site, logged in…
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Issued Credit Cards whilst on benefiti
Hi Friends of ours who are on benefits were issued a credit card 2 years ago, also they were granted a bank loan from whom they bank with. Surely this is not right, giving people money that they cannot afford to pay back, since then they are in financial crisis and feel suicidal as this is a major conflict witin their…
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Off the rails a little
Hi Guys, I was hoping for some advice on my current situation. I've always been very careful to keep my spending limited to my income. If I didn't have it in cash then I didn't buy it. This always served me well until recently when I realised I couldn't get credit for anything. To cut a long story short we decided to get a…
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Freezing interest
AT the moment I am paying back over £1300 per month on loans and cards. Each payment is making only a couple of pounds difference to my balances and I need to try and pay more into each account to reduce those balances but can not afford to. If I ask lenders to freeze my interest for a few months does this have an adverse…
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chargeback?
can anyone help? have paid for a holiday in uk and due to illness am unable to go. Can I claim any of the money back - paid depoisit and balance on mastercard
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Credit card for new car!
I want to get a credit card (my first one) as i have an existing loan with Lloyds TSB and have another 18 months left of paying nearly £200 a month :embarasse. Soooooo i was chatting one day with my friend and she suggested looking into getting a 0% intrest credit card seeing what the minimum repayments are and paying my…
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Debenhams credit card
I am hoping I have not walked into one here and also hope that this is an easy answer. I brought a suit at Debenhams today and whilst at the till was asked if I wanted to take out their store Credit Card which would save me the normal 10% on purchases plus an additional 10% promotion. Normally I dont touch these things…
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A&L Credit Card
Hi, My other half has applied for an A&L Premier Direct Account - during the application she also asked for a Moneyback Credit Card & Overdraft. She has received the following email:- Dear XXXXXXXXXXXX We are delighted to let you know that your application for an Alliance & Leicester Premier Direct Current Account has been…
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Lloyds TSB Airmiles Credit Card
I've just applied online for the Lloyds TSB Airmiles Duo credit card. I've just turned 18 so new to the world of credit. I want the card to make large purchases and pay the full amount off each month = improving credit rating, there for emergencies. I've just sent the application off. TSB said they'd write to me within a…
