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Debenhams Store Card
Anyone applied recently and been accepted? If so please advise us of what limits were offered and when you applied. Many Thanks
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Advice required for a clueless newbie!
I've never had any sort of credit as I'm still fairly young and have good savings, so usually pay for everything upfront in cash/cheques etc. In the past, if I've needed to make large purchases then my parents have used their credit cards to do so on my behalf so that we're covered by the consumer credit act. However, this…
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IMPORTANT - Nationwide Oversea Withdrawl Charge Change
Hi All, I just popped into my local Nationwide to order a new Flexaccount card as I am going on in 2 weeks and am going to use this account aboard because they don't charge you to take money out. So I was speaking to the man in there and mentioned this, he said as of the 1st June the 0% for taking money out of ATM's…
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If you have a £9k debt on a credit card .....
and only £120 spare a month to try to eat into it, what can you do? Best action please, BTW person concerned has an OK credit record.
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credit card interest :(
hi all little dit of help/advice needed please im struggling to pay off my credit cards because of the interest rates i have 2 cards both with £1700 on them i can only afford the minimum payment which is about £48 but the interest is 38 i have a poor credit rating and cannot get cards with 0% is there anything i can do so…
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Some advice please
Im looking at buying a new car. The car is £13000 and i have my car as a trade in at £3000 as well as £2000 of my own money. They have offered me a rate of 7% through abby on HP. Is it worth taking out the m&s credit card and paying off £1999 on that for 10 months for 0% interest. Any thing over £2k and ford will charge…
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Homebase store card
Hi everyone, I bought a kitchen from homebase last year and put it on their storecard with interest free for a year. The interest free period is about to expire and I still owe about £1800 on it so thought I would balance transfer it to my credit card which has a 0% offer on it. I tried to do it today and was told they…
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Cap One
hi, i applied and was accepted for a CC with cap1 last wk and recieved on sat 9/4/09 paperwork to sign, this was sent back to cap1 on tues but my question is how long before i eventually recieve the CC. THANKS.:D
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Caboot financial. Help!!!
I am being chased for £3500 by Caboot Financial for a debt i know nothing about. I asked them in previous correspondence to tell me when this credit card was supposedly taken out and over the phone they told me over 10 years ago. I asked them to provide me with details of the card and when it was taken out and to what…
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Contacting Creditexpert.co.uk
I am not entirely sure this is the right place for this in the forum (can a mod please move it if it is) I am currently abroad and wish to cancel my creditexpert membership. I have asked them for a direct line number and just get an automated reply with an 0800 number. The problem is you cannot dial 0800/ 0845/ 0808 / 0870…
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Massive Egg Money Card Changes
Apologies if this has already been highlighted, but I searched and couldn't find anything... Had an email from Egg outlining a plethora of changes to my Egg Money card. It looks as though this card isn't quite going to be as amazing as it once had been. Changes are as follows: :(
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Credit Card Companyies taking unauthorised payments from current accounts
Is it legal for if you have a credit card with your current account bank provider for them to take unauthorised payments out of your account if you fall behind with your payments
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Credit cards taken out before April 2007
I have been told that Credit card agreements must comply with the Consumer Credit Act 1974. If your agreement with the provider does not comply, then the outstanding balance could be 'written off' as is classed as unenforceable. Can any one tell me more about this, i.e if it is true/ possible/success rate etc... any advice…
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Opt out of a credit card - advice needed
Hi all I have a few credit cards and have thought I was finally in a position to start paying them off. However I got a letter the other day saying that a company was increasing my APR to 32.9% :( . They have tried to do this before but have always dropped it back down when I called them. This time they have said they will…
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Could I?
For example pay off a Vanquis card with an Aqua card and then pay off the Aqua card. Like you can pay off the remaining balance with a debit card each month. Or can you only do that via DD and debit cards?
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New to Credit
My partner has never had a credit card, he's had one small provident loan a few years ago which he paid back with no changes and on time. Now I am hoping to put him on my mortgage next year but his credit history might be an issue - as in not enough credit history! We have been looking at credit cards and have noticed that…
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Sygma Bank/Flybe BACS sort/account number?
Anyone point to a link to this on their website? I know it'll be on my first statment but I'm letting a friend use the card to buy a TV and I have the cash here -their online payment refused the payment using my Visa Debit so I'll go with BACS. Thanks :)
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AmEx 5% cashback 2nd time around - any experience
Hi All, I'm just about to finally get my cahback from AmEx (anniversary of getting the platinum cashback card) and am then planning to cancel it as i have other cashback cards at better cashback rate. I was thinking of waiting a few months after cancelling the AmEx and then re-applying to take advantage of another 3 months…
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Balance transer fees
Can anyone please tell me if there are any companies offering a 0% rate with no or very low balance transfer fees please?
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Please Point Out The Catch I'm Missing!!!!
Hi, I am a relative newbie to the forums but you all seem to be really helpful so I will throw myself at you collective wisdom!! Please spot the obvious catch that for the life of me I can't find. I have been offered (by the Halifax on my Halifax One credit card) up to £6000 with a 3% arrangement fee, then 2.95%pa for the…
