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Id Fraud and Barclaycard nightmare
Hi Apologies if this is in the wrong forum and for length but I wanted to share this about Barclaycard. I have posted on the DFW as me and OH have battled and won (almost) our debt mountain. In the midst of this battle my OH was the victim of major identity fraud. It involved the Post Office as the persons doing the fraud…
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Balance Transfer and Overdraft Question
Hi there, I hope someone here can give me some help to answer this question. I currently have an Egg Money card (16.9%) with £1900 balance. I also have an overdraft of £600. If I take out a 0% balance transfer card, such as Abbey or Virgin (~3% fee), and transfer the Egg Money balance across to them, instead of…
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halifax credit card
halifax has got a lot of offers on there credit cards has anyone got one and which one sounds the best and what sort of credit limits do they give you? cheers
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Which card do I go for now?!
Morning all! Looking for some advice...hope someone can help! I have a Bank of Scotland One card, a Barclaycard Platinum and a MBNA Platinum Plus cards but I need to move a balance from B-O-S to somewhere I'm going to get a good deal (I'm trying not to pay a transfer fee!) but everycard I look at seems to be owned by MBNA…
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Interest charged on purchases not made
Hi all, T'other half has a Bank of Scotland credit card which he has just transfered a balance on to from Egg. The balance transfer rate is 3.94% for the life of the balance, which is why he has taken the deal. Unknown to him (me!) he had taken Repayment Cover on the card when he originally opened it - this was years ago…
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boght prom dress wiv credit card now internet site gone wiv dress and £180
can some one help please on march 10th i bought a prom dress for my daughter i paid by my credit card but we havent received the dress and the site disapeared what are my rights?? my daughters prom iss in 3 weeks and ive lost £180 can anyone help thanks
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Student in some trouble w/credit rating already!
I've had an HSBC young person's account for a while until I turned 18 (I am now 19) and it became a normal Current Account (I have a debit card with it). I have been actively using it and now have been upgraded to an ADVANCE A/C account. I wanted to get a good credit rating while young, but didn't research properly and…
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Lloyds Pre Approved Credit Card
Hi, I am hoping that some one can help me. I have a Lloyd's Platinum Current Account but I would really like a Lloyd's Credit Card. I already have a capital one Visa card which I pay in full everything month and I have had the limit increased a few times. Now I am sure I heard that eventually Lloyd's will offer you a…
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Which credit card to apply for next?
Hello, My first credit card will be expiring in August. The credit card is capital one with a 33.6% apr. However, I have been paying off my balance in full every month and I have never missed at payment. Consequently, I am looking for a better deal, as I am sure I can better my credit card. However, I am unsure as to which…
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Paying American Express bill
Hi, Can anyone tell me if it is possible to make a payment on my american express bill with another credit card? I know this is not advisable, but we have had a money nightmare this month, so is just a one-off (hence why I dont know if it can be done!) I have looked on AMEX web-site but cant find any info either way.…
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Credit and Debit Card protection / insurance
Although I've had these all my life, I have never really bothered to worry about CC fraud etc. Till the other day when I heard of two people who had their cards cloned. I do not know the final outcome of their cases but it made me think. What protection do I automatically have from the provider and what insurance if…
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Amex cashback: how?
I've had my American Express Platinum card just under a year now. I'm just wondering how the cashback is paid into the account? Do I have to 'transfer' it to the card, or does it just appear automatically on your statement as a credit? Is there any way of finding out when my 'anniversary' is? I need to work out how much to…
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balance transfer
i am thinking of transferring half the balance from one credit card to another as i have just had a new credit card with better rates. can anyone explain to me in sort of simple english, how i get charged for balance transfer and how it works with regards to monthly payments? any help is greatly appreciated considering…
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virgin credit card
I have a virgin card 0% till April next year. I set up a direct debit in the first week of february for the account. I received my statement as per usual around 23rd March and was charged a late payment fee and the interest on the account. I called them and they said it was because it takes approx 6 wks for the direct…
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Incurred late fees on VirginMoney CC and had no correspondence about it!
I have a Virgin CC which i believed i had paid off the balance in February but i had also turned off paper statements in January i think. Now, i logged in today to find i am in arrears as interest was added to my balance 2 days after making a lump sum payment to the CC, this then went overdue and i incurred a late fee, and…
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am i right in thinking
having a lot of credit cards with large available crediton them is harmfull to credit rating even though balances are zero.should i cancel them and just keep 1 because of future wanting to change mortgage get loans etc etc thanx in advance
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MFI In liquidation- should I pay my credit???
Hi, A few months ago (before MFI got into trouble) my Mam got finance from them to buy a new wardrobe costing £1,700, I think that the deal was buy now pay in 12 months and it was interest free for so long. MFI are now in the liquidation process and mam mam has had an accountancy practise on the telephone saying that if…
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Help 15k on credit cards can't get a loan
What should I do, I have 15k on 5 credit cards,. I have already re-mortgaged to reduce my credit cards. This includes 2500 on a barclaycard life of balance card, which is the only 'good' debt solution i could get!! even the minimum repayments are crippling me. What can I do? Loan companied keep rejecting me, I have got my…
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Tesco Credit Card
We are thinking of applying for one to get our tesco shopping on and also any other (minimal) purchases we make online. I have 2 questions if any of you people can answer me I'd be very greatful. 1.) When buying your tesco shopping on the tesco credit card does it mean that say you spend £60 you get 120 points (ie- double…
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my experian summary- pls advise
hi everyone below is a summary of my experian report. can some of you highlight areas that i should focus on to increase my chances of credit. i have never missed payments but all my accounts have been opened in the last 18 months. thanks in advance and happy easter.:easter: A summary of the calculations based on your…
