Credit cards

Discussion List

• Credit card securities?

  Hello, Have a question which im not so sure about, please help if you can. My mum is about to purchase a leather suite from scs and has already paid cash deposit but she is now worried about paying the full balance in cash because the way many company's are collapsing due to the credit crunch. What would be the benefits of…

• Paying Credit Card into my current account?

  Hello all My partner wants to pay his full credit card limit (card is 0% - card is £2000) into his current account to quickly clear a loan he has, then clear the credit card over a couple of months. How would he pay a credit card into his bank? The card is BOS and his bank is HSBC if that helps. Thanks! :)

• Bought a telly....

  this one http://www.richersounds.com/showproduct.php?cda=showproduct&pid=PANA-TH42PX80B Cant remember exactly how long ago but id say well less than 6 months ago. I paid £150 less for it than it is selling for now in the same shop. I used my halifax credit card to buy it, am I able to claim any of the difference back?

• Best first credit card?

  Hi, I want to apply for a credit card to improve my credit rating and also to protect my larger purchases (section 75 thing). I have never had a credit card before although I do have one store card which I haven't used for around a year (credit limit £250 but is fully paid off). I think my credit rating is generally OK as…

• Lost 0% after 2 months

  I was late with a payment on my halifax card in November - my fault as I had entered the date wrong when making the payment online through my bank account. However Halifax's reactions were over the top. The first I knew there was a problem was when my card was refused; called them and made payment of £7.41 on the phone;…

• 0% to 36%

  My son had a credit card with RBS @ 0%. The account was moved on to another company who charges 36%. Is this allowed or indees legal?

• 0% to 36%

  My son had a credit card with the RBS at zero%. The credit card accounts were moved to another company that is charging a crippling 36%. Is this allowed or legal? Many thanks for your advise.

• Good news for once - Capital One

  Checked my estatement today and my APR has been REDUCED without me asking!!! :j Now, do we think the other card providers will follow suit? :rotfl:

• Paying off a credit card

  Hi all, This is probably a silly question but can you pay money off a credit card by simply transferring money from one bank account to the credit card account? For example, if I hold an account at Halifax but my credit card is with HSBC, can I make a payment from my Halifax account which will be accepted onto my HSBC…

• Abbey Zero Card

  Hi folks I was sent an invitation in the post to apply for a Zero card last August, I phoned on 4th Sept 2008 to accept and went through everything online and set the card up complete with £15,000 Credit limit. Great me thinks transfer all other cards to this tear up all other cards and just pay off the 1, Abbey Zero had 0…

• Section 75

  Can anyone advise. Is there a time limit for the Section 75. I paid a deposit for an apartment in Spain and the company has gone bankrupt. The deposit was paid in April 2005.:confused:

• Barclaycard/MBNA BT offers?

  Hi all, Looking for some advice/feedback regarding BT offers to put my interest rates in better order.. I have a Barclaycard Platinum card taken out last year with £3200 outstanding on a 0% BT offer that expires this month, after which the rate will rise to 14.9%. I also have a further £4200 with MBNA @ 34.9%, £5500 with…

• Transfer Overdraft Balance to 0% Credit Card

  Hey can anyone help me with this please? I have a overdraft of £850 (doesnt sound alot) but I would like to get rid of it ASAP! I think it would be easier if I could pay it off monthly on a 0% credit card. What do people think? x

• Good credit score - refused credit

  PLEASE HELP... i have just been refused credit cards for the 1st time in Nov & then again today - can anyone shed any light on why or is it just the curse of the credit crunch? I have 2 credit cards (totaling £8k) and transfer my balances every 12 months or so ... no problem until now. My credit report (experian credit…

• Card Protection Charges

  Hi, I got a letter from Natwest Debt Recovery Team a week or so ago stating I owe them £197 for a credit card. I did have a credit card with them almost 3 years ago but paid off balance and closed the account. I was confused as to what I owed considering I paid it off, it transpires that it is the annual card protection…

• closing a citi card

  Has anybody else had problems trying to close a citi card account? I paid my outstanding balance off at the start of december and closed the account.Or so I thought. I then receive another bill for £9.67 after numerous phone calls they insist there is no record of the account being closed and they want another £78 for card…

• purchase protection under section 75 credit act

  Can anyone please help !!!! - I purchased a large number of items from internet mail order company in USA which should have included a safety certificate for them to be sold in UK. The items arrived but because of the cost of testing the company refused to supply a safety certificate for the goods as agreed. The items have…

• how do i get new credit card?

  Hi, can any1 help me. Ive had a credit card 4 a number of years now and looking at gettin a new 1 2 transfer the balance. since gettin 1 i have had 2 children and gone down 2 part time hours at work, although my husband is still full time i am struggling gettin a card just in my name. If i am unable 2 get 1, does any1 no…

• Which card is best for me?!

  I'm new to credit cards, therefore i don't know too much about them. I need the card purely for online purchases, there's so much online theft these days it's scary! I just want to be covered incase it ever happens to me. Any advice on the right card for me would be greatly appreciated. Thanks.

• Capital one - dont understand this figure

  First of all i have a credit limit of £100. somehow the bill has gone to £115 - i dont see how i can spend past my limit. i didnt know how much credit i had left on the card a couple months ago and the card was declinded. i looked at my statement online and i noticed that there was a £12 over limit fee. well i dont…