Credit cards

Discussion List

• Charge even though I paid it off

  Hi I had a halifax credit card and the 12 months 0% ran out. My last statement said I would have an estimated interest charge of £40. But I paid all the card off when I got this bill, before the next statement. I was still charged £22. Can anyone tell me why I was charged even though I paid it all off before the next…

• how to remove default sums notice? help!

  Hi everyone, im sure this has been asked before but the info I have found doesnt match my situation. So here is my situation! MBNA card - I went over my credit limit simply by getting a 'late payment' fee which made me just over my limit which meant they added a 'over limit' fee aswell...I had just set up a direct debit to…

• Capitol one SBT

  sorry got the answer as i was typing

• Help!! Student in Dire Straits

  Hi all! I am writing because I am desperate need of help. I have just finished my first degree and am currently doing a law conversion course. I havent got a training contract so my parents have agreed to pay for it until I get one/ can afford to pay. I have a part time job and spend the rest of my week working hard for my…

• Anyone have or been offered MBNA 'Platinum Plus mastercard' 11.9% ?

  I have had a letter about this. (0% til Feb 2010) I can't find any info about it on moneysupermarket. I can't find any info about it in the MBNA creditcard site either. Does anyone know... a) is it real? (given that there is no info about it) b) is it a price risk/reward card? (i.e. when I apply can they offer me a less…

• Co-operative bank have taken away my card

  I have had a platinum credit card with Co-op bank for a number of years. It's on a fixed low rate. Since last year they have been reducing my credit limit and the when the card expired in November, they didn't send me a new card. My most recent statement showed a balance below the limit, but no credit available. I…

• missing balance transfers

  I applied for a Tesco Clubcard credit card 0% balance transfer last october, to pay off a Caravan Clubcard . They keep claiming that it had been sucessfully completed, but my CaravanClubcard says they haven't recieved any money from them. The problem lies with Caravan Clubcard selling out from Goldfish to Barclaycard last…

• Declined Virgin card

  I have recently been declined a credit card application by Virgin. I have good credit limits on other cards but I need one that is at 0% to transfer another card balance to. Could I have been declined because I already have other cards eg Alliance and Leicester, Barclaycard and Halifax. I never miss a payment and have not…

• American Express 46% APR

  I've just received a letter from American Express stating that for my British Airways American Express Premium Plus Card Account, they are about to:* Increase the APR to 46.0% !!! * Increase the Annual Fee to £150 When I immediately rang them up to cancel my credit card the very helpful guy in the call centre was shocked…

• Credit Card Fairness Test

  Firstly, I would like to thank Martin Lewis for giving some sound advice on t.v which is the reason why I am here. Secondly, I am a new poster so bare with me as I am a two fingered typist. Right, I have just completed a free on-line credit card test on the monsterclaims.co.uk website after seeing one of their adverts. I…

• Card fraud - how long to get it sorted?

  My Shell Mastercard (Citi) was cloned and used without my consent. Got an sms message the following morning as the amount was large, so called Citibank up and disputed it, got a replacement card etc. However, 3 weeks on the £2000 odd is still sitting on the account. I haven't used the card since and paid off the full…

• Late CC Payments 6 1/2 years ago?

  I have just been viewing my credit reports from Equifax and Experian. I had a credit card with Alliance & Leicester (MBNA) which was settled in December 2003 which means it will not disappear under the six year rule until the end of this year. I made late payments Feb to June 2002, hitting three months on two occasions. :o…

• best timing to apply for new card?

  Hi all, As others predicted Halifax wouldn't extend my 0% on purchases (although they did keep trying to get me a balance transfer, but I don't have a balance anywhere!) so I have closed that account today. I want to apply for a M&S 0% on purchases card (10months) but I need to know if I should leave if until the Halifax…

• Newbie advice

  Hey guys, New to this forum as you can see. Need some advice from hopefully older and wiser members to help me though this patch. Currently 21, Left the Navy a few months ago and joining the Royal Marines in April. Currently i am working as a lifeguard and i took a loan out of £1000 to pay for a holiday and cost of my…

• refund of mistaken payment

  This month in error we paid a credit card company 160.00 in error. We also paid the minimum payment that thay required. Yesterday we contacted them to ask for the second payment back. Initially they said you cannot do that as the card is not in credit. We challenged him and asked to speak to the supervisor they came back…

• A&L card, is it worth asking for a deal?

  I paid off my A&L card a few months ago and asked them at the time to close the account, however they haven't done that and it is still open with about £1200 credit limit. Is it worth ringing them and asking if they have any BT deals on at the moment?, I can't seem to get another favourable card at present due to my credit…

• Cheap Company Credit Cards??

  Im Looking For Decent Rates On Company Credit Cards, We Credit Crunch Has Hit Us And Looking For A Better Deal

• Saga balance transfer

  My friend has been trying to transfer his balance from Saga Liverpool Victoria card to Saga Allied Irish bank card who are offereing 0% for six months. He started this procedure which should be quite simple but it appears they do not take transfers over the phone anymore and he had to fill in a form but this did not arrive…

• Computer generated Credit Card balance reduction. Whatever next?

  I had 2 credit cards, one (MBNA) was opened as a 0% 8 mths ago, another (SKY) ive had 5 years at 15.9% On the first one I cleared the card when its 0% expired but had a credit limit of £6k. On the second I use daily and pay off every other month so they do make money from me, and the limit was £5.5k. Upon hearing Martins…

• Help !!!

  Just wondering whether anyone could offer me some help re; credit cards ! I am a credit card virgin i.e. have never ever had one, however, i have recently purchased a new house and have bought a new kitchen for the house with a B & Q card - 6 mths int free credit. There is no way i am going to be able to pay off the full…