Credit cards

Discussion List

• Additional cardholder is not protected under Section 75 !

  Is it true that additional cardholder (Visa/MC credit) is not protected under Section 75 of Consumer Credit Act 1974? (no compensation if seller goes to administration, etc.) My bank says so. Can someone please confirm or disprove – i cannot google anything useful out. Thanks in advance.

• Advice on a MBNA Credit Card - URGENT

  Hi, im writing on behalf of my mother in law who had a mbna credit card, she has a £3.5K balance, each month her Min payment are around £86.00, but she pays £150.00/£200.00 each month to help clear her balance, im looking for advice as her interest varies each month, last month it was 80.00 now next month its jumped up to…

• virgin card said yes then told me my limit was £0

  just applied for credit card to pay off a loan so put in the transfer and at the end of it i got a page saying yes im accepted my new credit limit is £0, does this mean im getting one or that i have used up my credit limit doing a balance transfer :confused:

• Application turned down??

  I applied online for a Barclaycard last week and have been refused, was told this when I phoned to chase up my application, this has never happened before and was wondering what could of caused it? Got a good record, never late paying anything back, earn £38k a year and £18k in savings (offset mtg account), excellent…

• £20 from those lovely people at Barclaycard

  I went with a Barclays Pulse card for the free £25. In order to reduce my total credit availability, I've just phoned to cancel the card, telling them that I hadn't really used it very much. I was put through to the loyalty people as I am a 'valued customer'. After a lovely long chat (about chocolate amongst other things),…

• GE Money beyond useless

  Hi everyone I opened a mastercard at house of fraser in October as it gave me 20% off my spend that day. I filled out application form which was then sent by the store. I recieved a letter from GE Money saying they hadn't recieved application telling me to go back to the store and fill out another one, the store is 50…

• which card for new credit

  i dont already have a credit card and im booking tickets to new york and have been advised using a credit card incase company collapses , which one should i apply for as a have a good credit scoring and will be paying it off within the month any advise would be appreicaited thanks x

• best credit card to use abroad?

  Hi I am due to marry in Cyprus July this year. We are getting married in the hotel and holding our reception there. The full amount will be between 3 and 4 k so we want to pay by credit card. Would anyone be able to offer advice on the best options so we will not charged for using it?

• Sonycard Pulsebeat Points

  I have spent over £38,000 on goods and services on my Sonycard over the past few years and have tried to claim "Rewards" from their on-line catalogue,(which were never available) The Pulsebeats Book is not owned by Sony, the content is not dictated by the people who manage it, MBNA if approached throw the blame for…

• Lloyds TSB Card plunders bank account

  I have been unable to make payments on my credit card debt and have been in correspondence with LloydsTSB to explain the situation. They have asked me to provide an income statement which I have said I will provide when a determination is made about my benefit entitlement as I recently lost my job. I have made it very…

• Need some help with Egg Card payment

  Hi guyz, not sure where if there is anything that can be done about my situation but here goes (sorry for rant but have to vent): I cleared my Egg card over 2 years ago, never used it since, but kept it for an emergency. Had a letter from them saying that i have missed a payment yesterday, which i thought was odd, so…

• Credit Expert Free Trial - CHEATERS!

  Wonder if anyone else has faced the same prob as me with their free trial - they DO NOT CANCEL the free trial if you notify them by email. And when you call to cancel, nobody picks up the phone! I was aghast that they had not cancelled my trial even after NOTIFYING THEM THREE MONTHS BACK! Charged me roughly £21.

• Transfering from Egg Money to bank

  I have recently done a balance transfer and want to get money from my Egg money account. What's the best way to do this? I have sent a secure message asking for a BACS transfer but they seem to be taking days to look at these messages at the moment. I know I could call them but I don't want them to respond to the call AND…

• Offering Reduced Monthly Amount to CC Companies

  I have recently used the imoneymanager template letters and wrote to all my CC companies offering a reduced payment amount please find the info below so you can get an idea and then hopefully respond to my question. CARD BALANCE MIN AMOUNT OFFERED SKY CARD 2150.10 65.00 20.69 NATWEST 3117.78 70.00 30.01 HALIFAX ONE 6668.56…

• PPI help - confused (as always)

  Hi, hopefully someone can advise me? I was made redundant back in August 2008, I have been trying to cut costs as much as possible and when going through my credit card statement realised that i had forgotten about PPI that I had. From what i can see on the net i am entitled to claim on this and they will pay 10% of my…

• Halifax LOB Deal

  I got an email today offering me a 8% LOB offer on BTs (3% fee) from my Halifax one card... do you think it might be worth calling up and seeing if they will do 0% on purchases instead? I don't need a BT but I have some big bits I'd like to get for the house so 6 months 0% would be nice! Anyone had any luck with Hfax?

• "Closing" Credit cards

  Hi, I have just applied for a Virgin Card to get the 0% for 16 months offer and am wondering about whether I should "close" the Barclaycard I am transferring the debt from once it has been transfered. What's the general consensus? Thanks

• skycard 6 week wait

  hi guys after i applied for a sky card over a month ago i rang them today to see what was going on with it as i heard nothing i ended up finding out that i had been accepted but there was a 6 week wait for my card as they have a back log!!!! i know they said they had a back log but 6 weeks not a good start you would not…

• Barclaycard application

  Hi, Ive recently moved, but still keep everything under my mums address as i plan to buy a house in 6 months (im renting at the moment). i had a few probs in the past years ago including a company that ccj'd me in error! after threatening legal action they removed it and sent me confirmation. I switched banks to natwest in…

• Balance transfer of store card to credit card

  I have an argos store card which i want to transfer to a 0% credit card. Is this possible and if so what card is best ton apply for ?