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Card transfers & new cards
So between us, my husband and I have around 20k of credit card debt spread fairly evenly between them. We have no spare credit on any of them to do any transfers so cannot consolidate this way. Does applying for a new card to consolidate these other debts work? We have had to start living on cards as we used our little bit…
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Reccomend me a credit card! Not planning on spending...
Hi all, I'm looking to get a credit card - primarily to make my job easier! I travel abroad quite a lot, and hire cars etc - and it's quite difficult. For example, I've tried booking some hotels in Romania, and they need a card number to confirm it. My bosses expires before the booking date, and I only have a debit card…
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Help urgently needed - Lowells/Capital One
I have had a letter from Lowells today, who I heard had been on Watchdog as fake. They are demanding over £1700 on a Capital One card I not only paid off and closed down about 5 years ago, but also my limit was £1400 when I had that card and as I say, it was paid off in full, and sent the card back cut upto them with a…
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Credit Card Problems
Hi Looking for some help and advice please! I have recently received a lloyds credit 14months 0% balance transfer. The only issue was that it supplied half of the credit I required to transfer off my other card. My current credit card debt is £4k, £2k which is on my new card which has 14months to go and the other which is…
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Credit Card Debt help please
Hi This is my first post so I hope i'm in the right place! I need to sort my debts, I have a Virgin MBNA credit card, which I have now destroyed but I still have £3000 balance on, I am paying about £100 a month off of it but that barely covers the minimum payment! I would like to transfer to another card but I now only…
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First Credit Card Application
Hi, I applied for my first credit card (Barclaycard Student) exactly a week ago and haven't heard anything yet. Is this a bad thing? Or does it mean they're going to issue me with a card? Thanks
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credit card interest rates to 2 decimal points?
has anyone heard about the loophole where you can reclaim interest if the card company has not displayed your interest rates to 2 decimal points? Most of the cards i have only displayed interest ratesd to 1 decimal point until recently. i've heard there is a loophole to claim back the interest, but don't know where to find…
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Section 75
I am a Sole Trader and I used my personal credit card to purchase items for for business purposes. The supplier went bust and I did not receive the goods. I then found out that the supplier had ceased to trade.I contacted my Credit Card Co who stated that as it was for business purposes I could not claim for the loss under…
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card use after balance transfer
Hi, could someone pls advise me. I understand the rule of never, ever spend on a card that you have balance transferred to but what about the card that originally had the balance on. Is it still active and would there be any penalty if i continued to use it?
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Cashback and 0% New Purchases
Hello everyone, Does anyone know of a credit card that offers cashback and 0% on purchases? I've been looking round and can't find one that does both, the nearest I found was the M & S card that gives you points back. Thanks for all your help.
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New(ish) credit card user
Hello! This is my first thread! I'm hoping to get a new credit card - my last one ran out of date and I only noticed 4 years later as I can't remember ever using it. I'd like one for things I can't buy with a debit card, eg. to book holidays on. I'm not planning to use it any other time, so what would I need out of that…
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Who does MBNA
When you apply for different credit cards there are clauses which say you can't tranfer balances from one MBNA card to another etc. Is there a way I can check if I am applying for a card which I can't transfer balances to because they have the same owner (so to speak) eg: I have a Platinum Barclaycard interest free coming…
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I have a feeling this is an incredibly silly question!!
But i am unsure so i am going to go ahead anyway!! Go easy on me please. I have a Cap one CC with a £200 credit limit, my mum wants to book an overseas trip and has asked if she can use my cc (she will top it up by the amount she needs for the ticket. Can i put in more than the £200 (that my limit is) into the card and if…
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barclaycard decline
Hi i applied for a barclaycard initial 2 weeks ago online and was told that a letter would be sent out within 7-10 days. I them recieved a letter about 5 days later saying, (Thank you for applying for a barclaycard. Unfortunately, your application has been unsuccessful on this occasion. At present, you do not meet the…
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Ex Partners owes on my credit card - advice!
Myself and partner have recently seperated mainly due to money arguments. He owes £4200 on on MBNA card solely in my name. I was stupid enough to listen when he promised he'd pay it off. The minimum payment on the card is £125 a month which he tells me he cannot afford to pay but I'm having to pay it so I don't get…
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Loan or Credit Card?
I have a Virgin credit card with no outstanding balance. I have a mortgage of around £75K and I have had it for 5 years without a single missed payment. I work in the gas industry and even within this current recession, my job appears to be secure as my employer has plenty of work to be getting on with. I am interested in…
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Using Nationwide CC Abroad
As Nationwide extol the virtues of the use of their credit cards abroad, please ensure that they have not removed your credit card account or decreased your credit limit before you travel. I have over £30,000 in Nationwide savings accounts/bonds and my wife (joint cardholder) also has savings with Nationwide. We have both…
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Credit card app let me sign online - but didn't give me a decision
I applied for the Leeds BS cashback card this morn and the app asked me to do an online signature at the end but then proceeded to say they couldn't give me an instant decision. Is this perhaps because they couldn't electronically verify my details? Does the fact it asked me to sign online mean I am likely to be accepted?…
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jd/style store card - whats happening please?
i have a jd store card that i have been paying off like forever....i use it for cash and pay for dvds and that from hmv and when buying clothes at jd.... now - hmv have stopped accepting it - the guy said he wasnt sure for definite but he thinks they may be going under - not jd just style is that true? and what would…
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barclaycard breathe
I've recently got a barclaycard breathe credit card. This ia a zero percent credit card for 10 months. I was given a credit limit of £1000. Now whilst i appreciate the economy is suffering from a credit crunch i can't work out how they've given me such a limit. I earn £40k which is not loads but also not an insignificant…
