Credit cards

Discussion List

• Should I pay for my holiday with my credit card

  I have just booked a holiday with a travel company that is registered with both ATOL and ABTA so my holiday will be fully covered by those organisations. When I come to pay the balance, the travel company will add 2% to use my credit card, which will amount to nearly £50. Would I gain any meaningfull extra cover by paying…

• Credit Card Question

  Hi Just looking for some advice....... We have an overdraft and are £300 over drawn so when my OH wages go in a the £300 will be cleared but we are going round in circles and will be into the overdraft again near the end of the month. We have a Barclaycard Platinum cc which we are paying interest on at 15.9% and its…

• Quick Note - Virgin CC *first* minimum payment amount has changed

  Hi, Recently got a Virgin CC and rang them up to check my first payment amount. On their website it says £5 + balance transfer fees for the first payment, £25 after that each month. That was confirmed on the phone last week. I now have my first statement and it is just a straight £25, rang them up again today to activate…

• Barclaycard 0% deal not as it seems

  I applied on line for the Barcalycard 0% deal , however when i got to the end it states in the terms youwill only find out your credit level or whether you can transfer a balance upon receipt of the card!!! i did speak to an advisor who confirmed that you will not know your limit prior to getting the card. this seems very…

• Balance Transfer to Dh's Card

  Hi, I have a small query which I was hoping if any of you experts can kindly help with. I did search the existing forums, but couldn't find a definitive answer. Can I do transfer existing balnces of DH to my Abbey Zero Card or does it have to me my own debt Thanks very much... MQ

• Current Credit Cards

  Can anyone advise. I want to claim from the two credit card companies I am currently using but I cannot get a replacement card beforehand as it advises, in case of problems. I cannot afford to clear them as the balances are high. Do you think they might insist I close my account or withdraw my credit limit if I claim? Has…

• Credit Card Suggestions

  I have always been very careful with money even from very young. When I went to uni I got a credit card but never used it, the bank then sent a letter telling me to cut it up. In my final year i got a credit card though Nationwide and within the last year I've really started to use it. I used it mainly as I was travelling…

• Lloyds TSB Platinum card

  Hi all this is my first post ever on a forum so please be nice! I need some advice. On wednesday my mother (74 years old) was visiting her local Lloyds TSB branch to deposit a small amount of money into her account. The advisor told her she needed to update her debit card (she doesn't know anything about cards as she's…

• Capital One - Payment plan problem

  Has anyone had problems with setting up a payment plan with Capital One? In September 08, we found out my Wife would not be paid any further maternity pay for 6 months, so I contacted C1 to ask if I could set up a plan for the 6 months. They sent me out an income and expenditure form and gave me 28 days to return it.…

• Late payment question

  Not sure if this is the correct forum, but I was just wondering how late a payment generally has to be before it attracts late payment penalties and black marks against your credit rating? I never received a statement this month, realising this I called the company today and was told that payment was due a couple of days…

• MBNA - How can the take a DD when balance is £0?

  Just looking for some advice, I transferred my balance away from MBNA to a 0% card, and never cancelled my Direct Debit as I assumed that a £0 would mean that they wouldn't take anything, BUT for some reason they have taken about £36 from my bank account - does anyone know why? I have now cancelled my DD but how do I get…

• depressed

  Feel really stupid now as I posted earlier saying the credit crunch hadn,t really affected us at all.Big problem has just come to light re hubbys credit card debts.His 0% rates have just ended and they were to revert back to his standard rate which was 6.9% on one and 14.9 on the other but he was going to move the…

• O2 did 3 Credit Searches on me in one day!!

  Signed up to Equifax today to take a look at my credit file as I was denied a credit card a few months ago. I have now found out that when I got my o2 'simplicity' contract in October last year they carried out 3 credit searches on me in one day!! Could this be a mistake on my file or could they have actually carried out…

• Balance Transfer Question

  I have spoken to Virgin Credit Card today and just wanted to check if the information I have been given is correct. I have a loan through my bank which I would like to pay off by transferring it onto a credit card. I was advised that I could do this by applying for the card and doing a balance transfer to my current…

• got the equifax cover through capital one a year ago- will I now be charged?

  Hiya, on advice from the :money: website I got the Capital One credit card 11months ago and signed up for the free equifax identity cover with the 2 credit reports and free alerts. In 1 months time I would be a member for a year. I can't find any information on when this deal ends. My question; will I get charged from now…

• Claim for payment 16 months after the event?

  I got a letter yesterday from a holiday company claiming that a payment for more than £1000 which I made in Sep 2007 wasn't processed correctly and that I have to pay it now. I paid the payment over the phone and was told it had gone through. Can they really do this? I could well do without having to stump up £1000 right…

• AMEX PLatinum card - refunding fraudulent transactions

  Hi Please could someone advise on this, it just seemed strange procedure to me. Someone got hold of my amex details and used the card fraudulently. I reported it, put a block on it, etc, etc. All OK. I pay the full amount by dd monthly. Got a letter from AMEX saying that they would credit my account for the fraudulent…

• new card looking

  I am looking for a new card company that can give me about a £3,000 limit, would lie either 0% or cashback, anyone suggest a possible few? Dont want to apply for one and find out i get a £200 limit.

• Big Purchase - CB or 0%?

  I am looking at a purchase of about £4000. Have just been accepted for an American Express Platinum card, only to find out that the company I want to spend with dont accept them. Is it best to apply for another cashback card, or a 0% for as long as I can? At the moment, I have four cards on the go which I am stoozing with:…

• Nationwide Visa Gold Card - Appliance Warranty

  A word of praise here for the additional warranty given by Nationwide with their Gold Card purchases. We bought a vacuum cleaner just over 12 months ago, which failed over the Christmas period. I called the warranty company just before New Year, and within 5 minutes was offered a full refund of the purchase cost of the…