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a simple question...
Almost everyone say Credit Card are not helpful for people grow up. I wonder if that is true? Thanks Paul Weinstock
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Cancelling Credit Card Loans
I have been approached by cancelyourloan.co.uk who say they are usually able (9 cases in 10) to cancel credit card debts if the credit card agreement was taken out before April 2007 - something to do with the Consumer Credit Act. Does anybody know anything about this - it sounds too good to be true? It also seems that…
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does to many declines effect your credit score
hi all, what the title says really , does having to many declines effect your credit score . i have aqua c c and capital one , was trying to look for one with a lower APR but get turned down wonder if i should keep trying or if i am making matters worse by keep trying .
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Praise for Virgin
Just to say I got my Virgin credit card a couple of months ago, transferred my debt to it, 0% till July 2010! Anyway I phoned them to set up minimum payment by DD as soon as it arrived. Being away didn't notice they were not taking the DD. So when I got a nasty letter I phoned, nice lady said "we seem to have made a…
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Please help! credit card interest!
Hello, I am in debt with my credit card, ( i know i am stupid) but i owe it £3,900 it was higher than that but i got a credit union loan of £2,500 to pay some off it, i cannot even begin too tell you what i spent the money on, it just built up over the years, eg, new cooker, christmas, food shopping and letting my family…
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Sub Prime Credit Thread Part III
PART I PART II Welcome to the shiny and fantabulous second sequel to the Sub Prime Credit Thread. I hope you enjoy the pleasant surroundings. Enjoy the food and please tip your waitresses. Capital One Vanquis - go through Quidco for cashback Aqua Barclaycard CreditBuilder Littlewoods Jacamo or any catalogue from Home…
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Can't get through to Ulster Bank
I have tried to call Ulster Bank card services four times today and every time I get to the "we will now transfer you to a CS advisor" it goes silent for a few seconds then says "thank you for calling, goodbye"!!!!! :mad: :mad: :mad: I am getting so mad with them that I pity the poor CS advisor that I do eventually get…
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Completely done over by bank - please help!
I am a student. Around a month ago my wallet was stolen - I rang up as soon as I knew it had happened and cancelled the cards and called the police. However some (expletive) maganged to take £250 and spend £1614 at John Lewis. As soon as I notticed this I tried reporting it to my bank, who told me I needed to confirm my…
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Credit card fraud
Hi this is my first post. I run a small business and recently took three orders via email. My bank have now contacted me to say the cardholder did not authorise these transactions and they would be charged back to me they amount to about £7000.00. As far as i am aware the card is not reported lost or stolen and as such i…
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Barclaycard - pay min 3 times and limit cut
A friend who is a long-term customer of Barclaycard recently had a dramatic limit cut. When he questioned them he was told that their new policy is if you pay the minimum for 3 consecutive months you can expect a reduced limit. I have no dog in this race but I thought I would pass this info along.
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Thomas Cook Credit Card - Credit Decrease!
Hi All, Looking at my internet banking with the above today, and noticed that I only had £80 credit limit left! They have reduced the limit from £4,500 to £1,720. I am not worried as I was planning on reducing the limit anyway as I pay it off every month (DD) so didn't want the higher limit to affect any future credit card…
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Credit Card Limits
Evening! I have a credit rating which i would class as 'on the mend'... however i have no 'bad debt'... in fact i regularly pay three/four times more than the minimum amount off my credit cards. Yet 2 credit cards have decreased my credit limit without telling me leaving me deeply in the s**t. First one was ... annoying…
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So frustrated with Egg!!!!
How rubbish are this lot??! I've made three attempts to transfer a balance, when it didn't turn up and I queried they just said it hadn't been processed, with lots of patronising instructions which I HAD ALREADY FOLLOWED :mad: Then I tried to transfer to Egg Money so I had a positive balance from Capital One - been showing…
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can you use an old credit card bill giro credit slip to pay in branch
just wondering, i am due to go on hols, have a minimum balence dd set up however pay more off the balence in branch, this months statement wont arrive before i go away, and was wondering can i use the credit slip from a prior statement (ie i have found a statement from january with an unused slip on it?) or does it have to…
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56 days
Hi For a CC when they say 56 days interest free purchases, as long as balance is cleared at the end of the month, what exactly does that mean? Say your statement date is the 15th of every month. You buy item for £100 on the 1st, making your account -£100 Statement on the 15th shows -£100 balance. So you have to pay it all…
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credit card claims
hi hope somebody can help, i have made a claim on my credit card for full amount of a suite i ordered from land of leather. i paid a deposit but didn't pay outstanding balance. can i claim full amount or only deposit. thanks sayzie.
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credit card charges
i know from this site (many many thanks to martin):money: i have claimed back my chagres for over draft, but is there a way to claim back late payment charges off credit cards? ive looked on here but im must be blind.lol:cool: any help?x
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Halifax / cit credit cards
Hi just wondered if anyone has any advice or previous experiences on this one. Both my Halifax and Citi card are currently over the limit as ive not been able to pay for the last 2 months, they are over by around 220.00 each and im due to call them again to see if they will accept a payment plan. What would normally happen…
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credit scoring for student accounts
I'm a gap year student starting uni in september. My application for a student account has been refused as i don't have credit history. I can't apply for a credit card as I don't have a regular income. Where am i supposed to start in order to build up a credit history??:confused: Any advice pls???
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Am I supposed To Be paying Interest?
I'm new to credit cards but was under the assumption that if you pay back the full amount before the due date you pay no interest? Despite paying my natwest mastercard off every month in full, sometimes deliberately paying more to make sure, I still end up with a couple of interest charges on the bill. Am I just…
