Credit cards

Discussion List

• American Website

  I would like to buy somethings online using my mastercard. The problem is the items are only shown as costing $10 not u.k. pounds. This is an Amercan site. if I were to order, how much would I actually pay and will the credit card company make a charge for converting the currency. I have an RBS and Tesco card which I can…

• Will Section 75 Apply?

  Hi All, I am about to buy a second-hand car from a dealership and want to know my rights before I buy. Essentially I am planning to buy the car on a credit card (for around £4000), and will pay this off straight away as I have the money in the bank. The reason I want to do this is in case anything goes wrong with the…

• Having trouble - BT for M&S CC

  I currently have an M&S mastercard, but this has now come to the end of the 0% deal in December. I owe £2900 at 15.9% APR. I tried before Christmas to switch and thought that the deal Virgin are offering seemed good (14 months @ 0%) but was put off because it said you are only eligible if you won't be transferring from an…

• Just checked my credit files using Equifax:

  And according to them there have been no previous searches on my file at my current address. I've been here since July and in that time applied for a Virgin credit card (which was rejected) and ordered Virgin internet. Does this mean that if a lender searched my file with Experian it wouldn't show up with Equifax?

• New tart :)

  I am a newbie to the tarting game and need some advice about timing - hope you can help! I got a Halifax 0% One card last August and the 0% deal is up at the end of May 2009. I have approx £3k outstanding balance being paid off at a rate of £250 per month. When would you advise applying for a new card e.g. the 14 month…

• Help On Paying Off Credit Cards

  Hi there new to this forum need some help from you experts out there - I currently have 2 Credit Cards an Egg card and a Bank Of Scotland One Card These are both maxed out £700 on the Egg card and £1200 on the One Card, for the past year ive just been paying the minimum amout off each month as ive been a student for the…

• Gimmick or Actually Useful? (Re: New Natwest CC Offer)

  http://www.natwest.com/personal/credit-cards/g1/classic.ashx There's no BT fee either. A good offer in the current climate? I myself am still undecided.

• Getting Natwest interest rate lowered

  Hey guys, I was just wondering if any of you have managed to get the interest rate lowered on your Natwest card. I rang up the other day and asked, but the lady said under no circumstance do they lower the interest rates. The day before, I rang Halifax and got my interest rate lowered from 21.9% to 17.9%. Not as much as I…

• Lloyds TSB Identity Fraud

  My husband has a Business Credit card which is registered to his office address (he's self employed) but was previously registered to our home address (i.e. before he got his office). He uses it to buy IT equipment from Dell, HP etc. for clients which can then be delivered to his office address. He can't use personal…

• Remove a wrong address on credit report

  Hi All, first time post! I am looking for help regarding an address on my credit report from Experian which states that i have lived at an address (which was infact the flat below) and own approx £180,000 on a mortgage which i dont and worry that it's affecting any credit decision. I am not sure who to contact or the best…

• PPI Marks & Spencer

  First time new member so very much a dip the toe in exercise!! Briefly, M&S incorrectly sold me PPI back in as part of a store card back in 1986. There was a fundamental change in 2003 when the "store card" changed to an M&S credit card in 2003. They did not ask if there had been a fundamental change in my…

• IDT Prepaid Card - card declined but money was charged

  I tried to book a ticket with IDT prepaid cc. Airline company couldnt get an authorisation but my money was gone...i deposit 140£ and 130£ for ticket was on minus...Airline co. is respectful and wouldnt lie to me..We investigated that Pegasus never got the money. It was authorised but then it wasnt for the second time…

• Which Credit Card?

  I'm after getting a credit card to pay for a holiday, as it has to be paid up front. And will be paying it off over 6months, but don't want to have to pay interest on it, but want the protection from the credit card due to having to pay in full for the holiday. Which Card would be best? Thanks in advance :beer:

• virgin interest charges

  I have a virgin credit card that was interest free for 14 months. In March last year I went approx £33 over the limit. Since having the credit card I have paid way over the minimum payment. According to virgin we broke the terms of the agreement and they have been charging me almost £30 interest per month, on top of the…

• Should i pay off my credit card balance Every Month?

  I am applying for my first credit card, basically for a bit of security when buying things, Holidays etc, i will always have the money to pay it off, but i'm unsure whether to do this everytime i use it, cause as ive read on the site this can cause a bad effect of your credit score, I was thinking whether to make 2 or 3…

• Card holder protection scam?

  nevermind/

• How to pay off Nationwide CC

  I have a credit card for emergencies and have never used it before until a few days ago when I had to buy some train tickets, how do I go about paying it off? I know it sounds stupid but I'm not completely sure. I have Internet banking, is there a way of transfering money to the CC? or paying it over the phone?

• First Direct Visa

  I currently bank with HSBC and applied via my offers for their credit card. I got declined due to my credit score even thou I have a mortgage, plus account, and overdraft with them. Never missed a payment or incurred any charges. Being a little bit cheesed off I phoned First Direct yesterday to talk about changing my…

• Changed jobs this month - any chance of a new CC?

  I had been moving my 0% balances onto new deals before Xmas while dh was still in his current job - missed the boat with Barclaycard and now need to find a new deal for £5k. But he's now in his new job - for a week! We have a joint income of £80k and we've never been out of employment. Good credit history and never had…

• Hey does anyone know the address for HSBC complaints department??

  Hey does anyone know the address for HSBC complaints department in London or any HSBC complaints at thier HQ? This would be a great help. msg me please and post up the address for other people as I couldn't find it. cheers:beer: