Credit cards

Discussion List

• Credit Card Cheques - Scandalous

  I just received another batch of unsolicited credit card cheques from Bank of Scotland. They look like such a good idea until you read the small print. Anyone who uses them must be desperate or stupid. They do not offer any of the usual credit card protection. Interest is a whopping 29.95% from day one. You pay that…

• Credit Card Claim??

  I wonder if anybody can advise re whether I may have any comeback with my Halifax Credit Card. In September FlyGlobespan announced new routes from Aberdeen to Sharm El Sheikh and Gran Canaria. Now I have always been wary re low cost airlines and have read so much re them pulling flights, retiming etc. I booked return…

• Sections 75

  I had paid a company 8,870.00 for a life time membership about 12 months ago, the company has now gone in to receivership, I paid the membership fee on 3 diffrente credit cards, I wrote of to all 3 only one has so far replied back and paying me back the 4,000. that i paid on there credit card, can I ask them to pay out the…

• 'webworks'?

  Anyone recognise this from their credit card bill? I have a transaction for 3.99 from their on my online bill and I can't for the life remember where I might have used the card for £3.99... and certainly nowhere called Webworks. Is this a name for another company? (Ie; my local petrol garage comes up as 'sports centre' on…

• MBNA: accepted or not?

  Hi, I just applied for an MBNA card online. The rate was quoted as 16.9% typical. After the usual first few pages - personal details, income, etc. it came up with "we will be pleased to offer you a card at 23.9%" (or something v similar). I had to tick the electronic signature box and tell them I don't want PPI. The next…

• Close Virgin CC and apply again later or wait?

  We have cleared our Virgin CC as the 0% was ending but we will need another 0% in a few months (if there are any available). So should we leave the credit card open and hope we can get another offer off them in a few months or should we close it altogether and then apply to another company or try to apply to Virgin again…

• Natwest PPI

  My husband recently made a large purchase on his credit card. He has PPI on there (despite being told by me to cancel this years ago). Anyway, he got his bill through and as usual paid it off in full within seven days of receipt. He recently received his latest bill, which showed another premium for the PPI. He complained…

• Norwich and Peterborough UNFAIR

  Hello all I have a few cards and am trying to repay them all to be credit card free My MBNA recently ended a 0% period moving to 29% and so I transferred my balance to my existing Norwich & Peterborough cc at a reduced rate of 14.94% (Transferred 18 Dec) I have just received a letter from N&P telling me that they have a…

• Is there a rate calculator here

  Hello Just want to know if there is an interest rate calculator here somewhere so I can easily see what my options are with exisisting cards Thanks

• Barclaycard not replying to questions

  Barclaycard have allowed criminals to change the address and date of birth on my account, and have also sent them six months worth of my statements. I am very worried that this information may be used to steal my identity. Such was my worry, that I have taken out identity theft insurance at a cost of £120 (with Barclays).…

• Egg overlimit charge - lost standard interest free period?

  Right then.... :o I appear to have gone over my Egg Money credit limit slightly resulting in a £16 charge, I have a couple of questions here: * I check my Egg account daily and at no point when I logged on did I see my account over my agreed limit. The transaction which caused it was for £80 and was purchased online on the…

• Tesco credit card

  I paid off my tesco credit card back in september, and had a letter from them that month confirming that I no longer owed any money to them. Yesterday I recieved a letter from them telling me I had missed 2 payments of £10 for november and december, I rang them and the call handler tried to tell me that I owed them £52!!…

• Abbey Zero estimated interest issue

  Hi Experts... Just over 6 months ago I signed up for an Abbey Zero card for me and my wife-to-be to take on our honeymoon with us for emergencies. Prior to going away we used the great zero loading on foreign currency to buy some activities from a Hawaiian company. We ended up not using the card at all on honeymoon, and…

• Turned down for a Hallifax Card?!

  Hello, I was turned down for a Hallifax Card today - no reason given. The trouble I have accepting this one is that I am debt free, have 3 credit cards where the balance is clear and no CCJs. I have recently moved home, perhaps thats the reason?

• Virgin card-confusing.

  Hi I have recently got a Virgin card which I transferred a balance to. I have now just got around to updating my snowball calculator and cannot find the percentage of balance used to work out the minimum payment. Has anyone else figured this out? PJ

• tesco offer

  Hiya, Phoned Tesco finance yesterday and they made 2 offers of BT with 0 fee. First was for BT no fee at LOB interest rate of 7.9% Second was for BT no fee for 9 months at 1.7 APR. So the offers are still out there but getting No fee and 0% are now rare. Meth

• closing mbna card that i paid £100 deposit

  as were all aware mbna gave us sub primers credit cards with £100 deposit, with high apr.... however after been accpeted for a 0% @ 14 months and 14.9%apr barcleycard platinum i phoned up mbna to discuss whats best for me to do? wether i should balance transfer the whole card or leave £100 on the mbna card??? no one seems…

• halifax one card

  Hi I have a halifax one card that is 0% on purchases until feb. I have cleared the balance this month. What is the likelihood of them giving me another 12 months interest free on purchases, would be great if I didn't have to cancel it and apply for a new one to put the bathroom on! Thanks

• M&S Morecard interest - anyone been able to get it lowered?

  At the moment I'm paying 20.9% on my Morecard (was originally 16.9%). I've tried phoning them to have it reduced but they send they won't. Anyone else tried to have it reduced and had it done? I can't apply for a new card as I had a lot of applications for loans (was moving house (renting) and needed cash for the deposit)…

• anyone received their amex cashback yet?

  Hi just wondering if anyone has received their cashback yet and solved the mystery of the double points for the 5% period?:confused: