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Why is my credit score so low?
Hi, Having Looked @ my Credit report for the first time It's a shocking 116 :mad: but how can this be? I applied for an American Express card last month, got approved & unfortuanetly made a late payment, I understand that can have an Effect on your credit report but surely not that much.....From 1000 - 116? I would of had…
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Experian - how accurate?
Hi there, I have recently done a credit check on Experian, and it seems to have a missed a lot of things out about me. It claims I only have one credit card with £140 outstanding, but I actually have three cards with about £2k outstanding. I've had these cards for years. On the summary it says I am not on the electoral…
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Paying mortgage arrangement fee by CC?
Hi all, We have a £540 mortgage arrangement fee to pay, and was wondering whether to put it through on my AMEX card to get 5% cashback. Was just worried they might treat it as a cash advance. Any thoughts?
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Balance Transfer
I have £9500.00 on a virgin credit card with 0% interest but it is about to expire the end of next month, Halifax have offered me 7.92% for the life of the balance if i transfer to my card with them also 3% handling fee, can anyone tell me roughly how much the monthly repayments would be on this amount. thanks
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Balance Transfer
Can anyone help. I have got £9500.00 on a virgin credit card with 0% interest which is about to expire the end of next month. One of my other credit card companies the Halifax have offered me a balance transfer rate of 7.92% for the life of the balance with a 3% handling fee. Can anyone tell me roughly how much the montly…
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Credit Card Sponsorship via Just Giving ?
I would like to sponsor somebody who is using the registered charity Just Giving to collect sponsorship for a challenge and by using them a tax break is given which effectively increases the sponsorship monies. Sponsorship funds are collected by credit/debit card and by sponsoring this way will I be liable for additional…
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Accept Credit Cards
With the latest economic status we are facing now more and more business tend to accept credit cards with regards with their business transaction. You just need to be sure with the account that you’re accepting, and you really need a good merchant advise. http://www.servicesmerhcants.com comes up with different ways a…
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Halifax Credit Card
Are people aware that Halifax Credit Card sometimes reduce peoples credit limit on their credit card. Do it prior to a statement, don't tell the customer and then charge them for being over the limit?
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How to pay Natwest Mastercard
Hi, I put some flights on my credit card for a few friends. I'm just trying to find the easiest way for them to pay me - I don't want the money in cash as I would probably spend it. Can they walk into a Natwest branch and quote the credit card number and be able to pay their share? Some of them don't use online banking is…
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Abbey - Zero out of Ten !!!
Got an Abbey Zero card just before Christmas. Has anyone managed to register for managing this on line? Having started with the first 0845 number as indicated on the website I have just been transferred into an infinite loop of different help desks, none of which can register my card :mad: What a shower,…
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PAYG Credit Cards
Hi can anyone recommend the best payg Credit Card. I saw the one advertised in the Sun newspaper at the weekend and was wondering if it was any good.
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Credit Card
I'm new to credit cards (Being 18) and have recently been accepted for a CapitalOne classic. I have a low limit (£200) and very high APR (About 35%). I do plan on paying any small payment I make, off when the monthly bill comes in (by direct debit), however I'd just like to know, does it effect my credit rating if I pay…
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Unknown charges on Egg Card
Hi, Ive just checked my Egg statement, I tend not to check it every month, but this time I did. I noticed that there were three charges on there that I dont think should be: 22 Dec 2008 CHARGE FOR CASH ADVANCE £9.32 DR 06 Jan 2009 CHARGE FOR CASH ADVANCE £12.04 DR 13 Jan 2009 CASH INTEREST AT 1.736 PER MONTH £5.69 DR From…
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Paypal and Mastercard
Hi, maybe someone can make me see a little light at the end of the tunnel?? I recently (more poigniantly stupidly too) bought an item online using paypal (not ebay) to buy a mobile phone. The company selling the phone has since stopped answering any emails, and obviously the phone hast arrived. I appreciate the rule 75…
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value of accrued Natwest Your points
Hi, I'm trying to find out the value of accrued Natwest Your points. I have looked at the loyalty checker and rewards checker but can't seem to find them to calculate the value. Now I am fully aware of the charges involved with this card so please assume for arguments sake that all requirements have been met, the minimum…
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charging interest on a 'closed' account?
Hi all, My barclaycard account has been closed due to a few missed payments (a little extreme in my opinion as I didn't miss many at all) but they are still charging almost 40 pounds interest per month. They have confirmed that the card will never be reactivated and the account will remain in this current state. Is it…
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Newbie: Using a Credit Card for deposit on a flat??
Hi there, Newbie here, so go easy on me :D Im looking at Obtaining a credit Card for instance 0% interest for 9 months. As i have an excellent credit rating etc, Would it be possible if i took out a credit card, deposit say £5k in to an account at a bookmakers, then withdraw the £5k into my bank account after registering…
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Credit card purchase via Google Checkout
I am looking to purchase a new PC. I want to pay by credit card so that I get the legal protection if it all goes wrong! As usual the company will add a couple of percent to the purchase price if I use a CC. However they also offer the option of paying by CC via Google Checkout which will not incur a fee. Having read the…
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0% for ever?
Hi I have a lloyds advance mastercard which i have had for 2 years. I have noticed I have never paid any intrest since taking it out? I have used over 5K and cleared it all with no charges? I have looked at my statements and they say my 0% ends in March 2007! It just keeps getting prolonged. My question is because they…
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capital one additional card question
Hey All, I want to have an additional card on my capital one account, Reason being so i can use one for my expenses and one for my personal use, Do you know if on the statements it shows which card made which purchase, Also will capital one let me have 2 ?
