Credit cards

Discussion List

• Abbey Credit Card

  I was wondering if anyone here has ever had any luck getting Abbey to reduce APRs or give them any offers when requested over the phone? My balance is now 0 and in past experiences with other companies, high APRs are normally reduced when you ask niceley and have 0 balance. OR I normally get offered some deal or other.…

• Card charges by travel firms

  Why is is that I have to pay 2.5% to pay by credit card? I'm in retail and I only pay a commission to the bank of 1.15% if a customer pays by card. This seems like blatant profiteering by the travel firms (Thomson and Easyjet spring to mind). They must get a better deal with the banks than I can! All well and good advising…

• Next Account - Normal Practice?

  Hi Guys I bought a Christmas present from Next and was surprised at the time to find that instead of paying for it there and then I was told I'd pay for it afterwards when I get an invoice from them. I've now got a statement and and it's come with a credit agreement and a credit limit. Is this normal practice? I would've…

• 0% deal ending soon!!

  My 0% deal on my virgin account ends soon and I havent managed to pay off all the debt yet - what happens when the 0% ends? - Do I have to pay interest accrued from when i opened the card on the outstanding debt (like if you buy something on 'buy now pay later' and you havent paid for it when the time expires - you get…

• New Design Nectar Amex... (FAO any Amex Employees)

  I see from my online servicing and the nectar Amex site that the design has changed. If I phoned up and reported my card lost, would I get one of the new design? I quite like it :D Yes. Very shallow, but I would appreciate an answer to my question!!…

• AMEX doubling min payments!

  In 2006 I took out an AMEX special offer at 4.9% for the life of the balance with a min repayment of 2.5% per month. The attraction was cheap money with an affordable min payment. Now they want to double it! This may mean I cannot afford it and will default. Is this legal? Do I have any redress for misrepresentation? :mad:

• Disgusted with Egg

  [FONT=&quot]I have been a customer of Egg since the company first started. When my current card expired I did note receive the automatic replacement. Yes I am one of the customers who pays more than the minimum payment and have never been unable to may a payment! [/FONT] [FONT=&quot]On queuing this with egg the response…

• MBNA won't budge!! Please help

  I have and £8200 balance on a MBNA credit card (never again!!). Its been at a 0% intrest rate but unfortunately this ended last week. I called MBNA to ask if we could renegotiate the deal and they have flatly refused and the rate is now 29.9%!! The sheer intrest on the account is now £180 per month. Despite mine and my…

• Help - Cap One refusing reduced payment

  Just phone cap on asking if they receceived my letter stating unable to meet required amount, offered reduced amount and asked for interest and charges to be frozen. Spoken to customer adviser who just said sorry that you cannot make the monthly required payment but if you pay the £100.00 you will still be charged £12.00…

• Citi Card Con

  I'm not very happy today,:mad: after being invited to complain about my Citi Card PPI (which I didn't know I had but apparently took out 3 years ago) I received a letter saying that my complaint had been successful and my account would be credited with £1674 within 5 days. I phoned Citi today to check my balance only to be…

• 7500 credit on credit card but its not mine

  Hi, about a month ago someone phoned up my credit card company changed my address, ordered a new card and pin number and lifted £4250 out a post office. I have a £4000 limit and the card did not have a balance on it. Phoned up the credit card company and after around 3 weeks the transactions were refunded, going over my…

• Thomas Cook Card Direct Debt Issues

  Everyone Noticed my DD has not been taken, logged in and checked my account to see a £12 charge. phoned them today and there is a fault, all charges will be refunded and the DD will come out in a few days later than planned Just in case anyone else had the same problem fj

• Flybe Credit Card

  Hi there, i have applied for a Flybe creditcard yesterday and have been accepted straight away. I rung them today with the application reference number and they confirmed that i have been accepted for a Flybe Creditcard with a £5000 creditlimit and with 19.9% APR. Im well chuffed because i want to get rid of my Capital one…

• Juggling the cards?

  Currently I have 3 credit cards, with it being a New Year it's high time I looked into clearing these and making my way to being debt free. My questions here are : Is there a limit to the number of credit cards you can have? What would be the best way to transfer these balances? I can't imagine one card would hold all…

• Overpaid credit card balance

  Hi I have a Nationwide credit card. I haven't yet set up a DD to pay off the full monthly balance, so just log into my HSBC current account and hit Make a Payment. Payments are due by the 12th of the month. I couldn't find my credit card statement, so I rang Nationwide and went into the automated telephone banking. The…

• Unknown payment to my credit card

  Hi, On January the first I had a payment made to my credit card, which nearly clears the balance. (the payment was for over £3 Thousand) I did not make the payment, and have called round and no family member made it. (No one could afford that) I have checked with my bank and made sure that I did not accidentally add some…

• credit card and searches

  im just interested in this question maybe a equifax or experian worker could help with this if a search was made how many point does it take off your score ie 1 search takes 3 point

• Abbey £75 Cashback card

  Can I qualify for the £75 cashback on the new Abbey Credit card if I used to have a Abbey credit card the other year (I did close the card down) or is the deal for new customers only??

• Pay debt with Credit Card?

  Hi guys, I have been reading through a lot of the web pages and just wanted to clarify something incase i was misreading it. I am in a position at the minute where a family member has a considerable amount of debt and is having trouble paying it. What I would like to do is apply for a 0% interest Credit card from the likes…

• Halifax Card Care

  Well.......2009 has started brilliantly. I checked my Halifax credit card account yesterday to make sure the payment I made at the end of Dec had gone through to find that I was over the limit and had been charged £12 because of it. Checking into this a charge of £50 had gone out to Card Care from the Halifax. Now they…