-
Credit Card Help
Hi all, I currently have about 20k on 2 separate credit cards - 1 with 21% interest and the other with 19% interest. I am paying about £450 a month combined which is the mim payment on both and I can't really afford to pay any more! How can I get these down quicker? I don't seem to be getting anywhere with paying them off…
-
Best rewards/cash back Credit Card
After doing a load of overtime over Christmas, I've just about managed to pay off my 2 credit cards, my HSBC one is cleared and I owe just £150 on my MBNA card. Now i'm in the market for a new card that offers rewards or cash back, time to get something back from the credit card companies!! Any suggestions/recommendations…
-
LeisureTime through Barclaycard
Just wanted to find out if anyone signed up to the 30 day free trial with LeisureTime for which you were suppposed to recieve a free camera? If you did has it turned up? Basically I signed up and cancelled within the 30 days but never recieved the camera. I never thought it would turn up anyway but phoned them on a few…
-
Employment Details
Hi, I'm signing up for a credit card for the first time. I wanted to know what details the credit card company shares with other people, and who with? Do they share your employment details? Thanks
-
Abbey Zero Card - How long did you wait?
I have a small amount of debt outstanding which I have sitting in the form of a loan at the moment. The debt is now of small enough size (around £3.5k), and I have enough in savings, to move it entirely onto a 0% card - and pay the balance off within 3 or 4 months. So... initially I go to Halifax, I apply online, get the…
-
credit card debt company
Please can anyone advise ? My partner is sorting his divorce settlement and there is an outstanding joint liabiltiy he needs to deal with . About 10 years ago he went to a company to combine their depts ie credit card bills and were given a monthly payment to make ..these payments are still ongoing ! he has asked in…
-
Prepaid Card.. Credit Building option??
Hey, Signed up to mycashplus so I could take advantage of their credit building option (http://www.mycreditbuilder.co.uk/default.aspx) Are there any other Prepaid services like this or simular? Basically been out country for a while and come back so have NO credit rating, and looking to build up quickly. Thanks for any…
-
How much credit can I get?
Hi How do I find out how much credit I can get without it affecting my credit rating?? I have previoulsy had an egg CC and asda CC (both CC now paid off - always paid on time) and have currently got a loan for £6400. Limit on previous CC £2250. Where can I go to find out what my limit is?
-
Unfair fees for using credit cards
It really makes me mad... When buying things on line (especially flights etc.) there's usually a whopping fee added for opting to pay using a credit card. It's clear that the sensible and safest way to purchase things on line is to use a credit card. Why should there be a penalty for using a credit card to make the…
-
Equifax credit report has no data, despite loads of debt
Hi, I recently applied for my Equifax £2 credit report, as I'd been turned down for a loan application (Zopa). I applied for all 3 credit reports a year ago. Experian and CallCredit both returned loads of data on credit I had, but Equifax had none then again. I didn't think anything of it at the time, as I thought maybe…
-
Can balance transfer be used to pay off debt recovery company
Im thinking of applying for either virgin or tesco 0% balance transfer cards as i just want to get rid of myself of debt with various crooks like natwest , but my main question is can I pay off a debt recovery (Moorcroft debt recovery) company with it? I would be grateful for any advice. Thank in advance Ruben
-
Section 75 protection
I paid £1900 via my First Direct Visa credit card for a Pioneer Plasma TV from Empire Direct at their Doncaster store last Wednesday, they had none in stock and I was told they were expecting stock early February, but as we all now know, that ain't gonna happen and I won't get my TV but ED debited my card immediately. I've…
-
Egg Credit Card
have recently received a copy of my agreement with Egg Card, which was taken out in May 2003 and the agreement comes under the Consumer Credit Act 1974. I have once paid this egg card off through a remortgage but since used this again. Although it was paid off - egg did not give a new number to me or a new agreement, just…
-
Agreeing a settlement
Hi, Looks like my family is helping me out with loan interest free to get out of ALL my debt, yes i know a veyr lucky boy with a great family! But...... someone has told me that because me credit card and indeed loan debts have gone to credit collection agencies now as they are so old the original companies have "sold" the…
-
I've paid but they wont let me go!!
I paid my credit card off in full October 08. The card company sent me a statement with a balance still outstanding. They say it's the payment protection insurance that had just become due. I disputed it and asked for a copy of the letter asking me if I wanted it. No letter copy letter but a letter saying they confirm that…
-
vote here for capital one not to increase rates
vote here for capital one not to increase rates! *********************************** 1. Ripped off by woman for £30,000 credit.
-
Possible Largest Ever Data Breach.
Payment processor's security breach may affect up to 100 million transactions. Within this story is the following: The Royal Bank of Scotland Group, announced that its systems had been breached by unknown intruders, resulting in the compromise of personal information belonging to about 1.5 million card holders Full article…
-
capital one interest rate?
I thought the bank/base (or whatever it is called?) interest rate had gone DOWN to its lowest ever amount? Well today I get the letter from capital one saying that they are putting their interest rates UP!!! What is going on please? :mad:
-
Warning - Card Fraud at SHELL A45 Northants.
Used your cards at the Shell Service Station on the A45 eastbound at the Collingtree/East Hunsbury turn over the last few weeks? If so check your statements. Change your PIN's (as card issuers won't tell you your PIN's been compromised), or get yourself Chip & Signature Credit Cards. Article click here.
-
Credit Limit reduced but no missed payments
I've just had a letter from AMEX saying they've reduced my credit limit (to just about what the balance is) after reviewing my acct. Admittedly I am almost up to my limit and have only been paying off the minimum amt each month (Well always about 3 or 4 quid more but negilible.) But have got some of these fixed bonds…
