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Barclaycard Dispute - help needed!!!!
Hi. I bought an item from a company via my credit card over the phone. The item sent was not as described by the company, and did not arrive with the paperwork to validate its authenticity. I contacted the company and despite numerous requests, over a period of 14 days i still have not received the documentation requested.…
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Write to creditors myself or contact CCCS?
Hi there, I have significant credit card debt which, until now, has been paid relatively regularly, subject to payments from my customers being late from time to time. But now my business hasn't been doing so well and it's going to take time (three month target) to get things back up to par again income-wise. I have to all…
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Will my application for a credit card be affected by my partners credit card debt?
I just applied for a MBNA Platinum card and was wondering if my husbands debt on two of his credit cards will hinder my application from being accepted? Especially with one of them being issued by MBNA (Virgin Money) Im going to strangle him if i were to get rejected! Thanks for any help.
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balance transfers
hi, this is my first time posting here and i dont know if i have the right place. I am looking into changing my credit card balance and store cards to a 0% credit card. The debt would be around the 1200 pound mark. The only thing is that i work part time 16hrs and only earn around 4600 a year. Which card is the best one to…
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Credit Card Question???
hello all!... just a couple of questions if anyone could help.. firstly I was wondering if you could transfer cash off of a credit card into your normal bank acct?...if so is it just a normal money transfer?? also which is the best 0% over 12months to do this with??? many thanks jade
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Does Natwest do retentions?
Hi, was wondering if Natwest will do retentions on their credit cards? I got their Credit Card 2 months ago when asked by the counter staff if I'm interested since I'm eligible for one. I accepted then, as I thought they have a 0% purchase rate. (At the time of application I have a 2-yr old Natwest Student Credit Card with…
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RBS mint card - Settlement Figure
Hey guys new here and my this is my first post :) I have a student loan coming in and I'm planning to use this to pay off my credit card of around £3000 and free myself from the crazy interest that's getting added on and the high monthly payments. However my college finance department have advised me to call up and ask…
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Credit card cheques - time to clear?
If I want to use one of the credit card cheques they keep sending me and pay it into my current account, how long do they take to clear? As I understand it they take longer than a typical bank cheque, right? Thanks, Jon
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Credit report issue
Hi all, Sorry if this is in wrong section, i have looked for suitable alternative. In 2004 a company called Euphony telecoms basically placed a BAD payer report on my credit report, which did adversly affect my report. They used a company to pursue the debt, however they stopped just before the report was placed. I am now…
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Quick question please
Hi all I am really starting get somewhere with my debt am currently doing two jobs and working 14 hours a day but getting there so well done me :beer: I know have only one CC left with £7000 on it and have applied to Virgin for a balance transfer for 0% but they turned me down :mad: Has anyone got any suggestions please?…
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Barclaycard Loyalty? Worth Appealing?
Hello to you all, Apologies if this has been posted before but could not find an answer to it on the forums. I currently have a Barclaycard Platinum card with a credit limit of £2,600 and a balance of £2,000. I have been a customer of theirs for years with no payments missed etc but a few months ago Barclaycard increased…
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Halifax ONE - £0 Balance!?
Hi, i need any really quick advice. I do understand the legal ways of credit cards etc. But i had checked my credit card statement over the telephone this morning as i do every 2 or 3 days. I was told that my balance was on £0 I have recieved a letter today with my new credit card as the old one expired. All the balance…
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Mint closed my credit card account!
I've had a Mint credit card for several years, but have not used it at all (with a zero balance) for some time. In late December I received a letter (dated 17 Dec) from them saying that my account would be closed in 30 days. Immediately, I called them and asked to continue my account. The member of staff I spoke to said a…
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CiTibank to be split into two.....
Citibank is to be split into two companies... citibank which will run the banking section and citibank holdings which will hold the toxic type of debt and riskier investments.... So which one of the companies takes the credit cards... I would call credit cards a risky investment in the current climate :-)
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Balance transfers, is it ok to spend on them when the debt is paid off then!
I will be transfering my balance to a new credit card to get a better interest rate. I understand that you do not spend on the new card, but when the balance has been paid off, do you spend on it as normal?
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capital one travel insurance
i booked my holiday with capital one it says you get free travel insurance does anybody know if you need a certificate if you need to claim i have just got the insurance booklet i have tried phoning up but they don't seem to know either thanks
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Problems paying off loan with CC direct?
Hi there, I've got about a year left on my one outstanding loan, but for the last year I've been saving on top of my repayments and now have enough to pay about 50% in cash, the only 50% I want to put on a new Halifax 0% credit card. Ideally I don't want to do a transfer or super-transfer, so I called A&L (the loan…
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advice needed please
I tried putting this in the BT sticky thread but to no avail....hopefully someone will be able to give me some pointers....sorry if you're weary of these kind of post :) I have a Virgin Money card with £9000 owing and the 0% runs out in May and Barclaycard with just under £4000 owing at that runs out in April I have an…
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Help! Settled with capquest but capital one still chasing me
I paid an agreed amount (60%) of my outstanding credit card debt to capquest after they wrote offering me it partial settlement. They confirmed on the phone to me that if I paid this, Capital One or any other debt collection agency would not chase me for the remaining amount. They told me that my credit file would show…
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Has Egg Money Credit Card been scrapped?
Hello, today I tried to purchase online and when going through the Mastercard Securecode I got NOTAUTHED and was told I was not charged. Tried again, making sure I used correct code, and same thing happened. Although the store said I was not charged I got 2 order emails and both transactions show on my securecode receipt.…
