-
caerd co or atol
could someone please give me some advice,i like many others were let down after booking flights with xl airways, at the time i didnt have a credit card so a friend paid the deposit for me with his because of the added protection,now when they went bust i was told to complete an atol claims form which i did,sent it off and…
-
Help!! Interest on missed payment?
Hey everyone. I recently signed up for a Virgin Mastercard as it was offering 0% on balance transfers. Got the card, transferred my balance and began to repay my debt. Unfortunately though I missed a payment and have just been charged £12 for this. Does this count as spending on my account and mean that I will now be…
-
Burton Store Card - easiest way to pay off
Hi all, Have just registered and hope to get my first tip. I was buying a reasonable amount of stuff in Burton last week so accepted the offer of the store card to get a discount at the till and now I want to clear it all off right away. My question is this - what is the easiest way to pay it all off? I thought there would…
-
Capital One 'upgraded' account - new statement format and messages
Has anyone else received a 'e-statement' for 7 March today? (Last month there were problems at Capital One) Specifically, do you have a 'Page 1 of 1' format like me now? (previous statements were on two pages - 'Page 1 of 2' etc) Does your statement for March - on 'page 1' - carry a direct debit confirmation message (which…
-
Experian - Be Warned
[FONT="]Before you do business with Experian, make sure to read the following links. Experian has a long track record of being unscrupulous, being fined on more than one occasion. [/FONT] http://www.consumeraffairs.com/news0...ss_action.html http://www.consumeraffairs.com/privacy/experian.html…
-
How do balance transfers affect credit rating?
Any help here is much appreciated. Basically I did a super balance transfer on a Virgin Money card just over a year ago for £4900 (plus 2.98% fee) in order to pay off a family member's credit card which had an extortionate interest rate. As the 0% interest period will shortly be coming to an end, I want to know how best to…
-
Bankrupt relative added as additional cardholder ?
I have had a Nationwide credit card for a number of years, and have always kept it in a good state. My question is in the title. A close relative of mine, was recently made bankrupt, and is not allowed to have (quite rightly), access to his own bank account with a credit card facility. As he travels abroad a number of…
-
HSBC Gold card - Advice needed please
I'm hoping someone can help me out here please............. A couple of weeks ago I phined HSBC to as them to review the APR on my gold card, with a view to reducing it ( currently 23.9%) If you don't ask, you dont get I foolidhly thought, and it worked with Barclaycard when I called them. HSBC told me to put it in…
-
Unfair Credit card Interest rate Hikes! Write complain do not accept it!
Unfair Credit card Interest rate Hikes! Write complain do not accept it! Contact the OFT FO your local MP's. I have a problem MBNA have increased my interest rates to 29.9% from 15.9% with no warning. All my payments up to date, so why can they justify such a hike? I cant be the only person who has had this problem? How…
-
Smile CC Changes
Afternoon, Just had an email from Smile.co.uk detailing changes to my credit card terms and conditions, thought they might be of interest to anyone thinking of joining smile: * The most annoying is that they've reduced the cashback rate from 0.5% to 0.25%, was not huge to begin with but I always used it for large…
-
Forgot to cancel direct debit - will this affect my credit score
A few months ago I was re-arranging the dates i paid my credit cards. With my A&L card I made my payment well before the due date (and actually made a large overpayment) and cancelled the minimum payment direct debit at my bank. Stupidly, though, I forgot to cancel the direct debit with A & L. They tried to take out the…
-
Number of cards to hold to optimise credit score
I currently hold four credit cards; Egg - limit £5k, I use this for monthly spending and always pay off in full Barclaycard - which has a significant balance on at 0% Virgin - £6k limit with nothing owing Natwest Mastercard - £1k limit with nothing owing Is it better for my credit profile to cancel one of the redundant…
-
Credit Card Flight Freebies
Hi All, I am travelling to Argentina in November and will take a number of internal flights. Does anyone know if the BA miles accrued are tranferable to BA's partner airlines? Including LAN.? Cheers Davie
-
New Cashback Card enters the fray News Article
This is the thread to discuss the news article New Cashback Card enters the fray
-
M & S Credit Card
I recently applied for a Marks and Spencer credit card on the internet. Around three weeks ago I got the agreement through the post and signed it and sent it straight back. Ten days ago I got the pin number with an accompanying letter telling me I could start using my card "today". The problem is, ten days later, I still…
-
credit card for low income
Help! I am looking to BT my credit cards, but having recently changed jobs, now lower income below £10,000. This site says required income N/A under top deals but applying asks for amount - do all credit cards ask for a minimum income? Fear getting rejected by new card, according to Experian i have 'excellent' credit…
-
No AMEX Cashback when using Paypal?!?
Hello, I have an American Express Platinum Credit Card which pays 1.5% on all purchases. Or so I thought... It clearly states in the terms and conditions... No rebate is payable in any month in which the minimum payment is not received by the due date. No rebate is payable on cash withdrawals, interest, fees, balance…
-
Credit Card Limits
I am in the middle of sorting out all my finances and at the moment its seems to be going ok (touch wood). A quick question for you all regarding card limits. Is it better to keep 'available credit' to a minimum or just keep an account open and not spend on it. Does doing this effect your credit scores? Eg: Virgin card…
-
Halifax Life of Balance card from 2006
Hi. Back in 2006 Halifax were offering a Life of Balance card set at 5.94% which I applied for, received and transferred a balance onto. In early 2008 they upped by rate to 9.94% and last month 14.9%. I have not used the card since I first transferred a balance onto it when I first got the card. It seems to me that they…
-
Credit cards abroad
Is there still a card that allows you to spend abroad (in this case the USA) without being charged for the currency conversion? We won't be using it to withdraw cash, just to pay for whatever we want out there. Quick help would be fantastic here, as the holiday deal we've managed to find expires at the end of the day!
