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Paid off balance in full BUT interest charged
Hi I paid off my Barclaycard in full - the entire outstanding balance was paid this last statement AND in time. I have just checked online and found that they are charging interest for the month...is this right? (It's not a lot - £3.68 - but if I pay THIS they'll still charge interest on the £3.68 - I feel like I am…
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Credit card success !!!
Hello. I had credit problems a few yrs ago and have since got myself back on my feet. However, my credit report shows 3 satisfied CCJ's the latest of which still has three yrs until it disappears off my file. Even though my experian credit score is 900, which apparently is good, I still get rejected by all the major credit…
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Unison Prepay plus card
I have recently got hold of a Unison Prepay Plus card. (I'm not allowed to post links, but the URL is unison prepaid dot com ) I applied for it since it was easy, doesn't cost anything and doesn't hit my credit file, just to see if it is useful really. Among various benefits, it claims to give discounts for purchases of…
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Creation comsumer finance
Hello Everyone, I had a call from creation the other night and the guy who rang wanted me to tell him my details, post code, date of birth etc etc all private stuff and i refused he got extemely pushy with me harassing me in his impatient tone, i said to him i have no dealing with his company what did he want, he said it…
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advice on second balance transfer please
my wife has a 0% virgin credit card onto which we transferred a balance. I'm named as a second user on it. I want to apply for another 0% balance transfer card in my name. Will I be able to get another MBNA card, or any other, and will the fact I'm named on a card which still has debt on it mean I get a lower credit…
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jupter
my wife has a virgin credit card and i am a named second user (i think sounds right)would this hinder me applying for a similiar or any other card and would it affect my credit limit amount
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Barclaycard onepulse - no mention of cashback
Hi All Signed up for the onepulse as I live in London and the 5% cashback on my travelcard would be a nice bonus (got rejected for the AMEX platinum unfortunately). Anyway, card has arrived and there is no mention anywhere of cashback so I'm now a bit worried. Is this normal? I would ring up and activate and ask at the…
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Refund concert tickets
Hi all I've purchased 4x family tickets for the sonisphere concert through the offical ticket agency. Shortly after purchasing these tickets Sonisphere Festivals announced that children under 12 go free. I purchased the tickets through seetickets and tried to contact them, but their not getting back to me. I note that they…
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Thank you martin, got £312.36 back from ulster bank
They refunded all "£ charged ocer a 3 year period, first time they tried to fob me off with £16 but i proceeded with martins advice sent a second letter and it came up trumps. Thank you michael in belfast
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Best Credit Card for cashback / rewards
So we're planning our wedding and we already have a nice little sum of cash stored away to pay for this. But we've decided it would be an idea to put all the wedding things onto a credit card, and pay this off in full each month with our little sum. As we reckon we'll be spending about £6k in total. Obviously we've been…
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Getting Egg to charge back transaction
Could someone please advise me. Last year in Sept, we booked a hire car through herz over the internet, super insurance was declined and card details were entered. On arrivial in france they changed the booking to include the super insurance and charged our card, there was a language barrier, no pin was entered, just asked…
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Virgin Credit Card
Hi, I have a Virgin credit card with a blance of £10,000 on it. The interest seems to be going up. I called them today to find out what interest i'm paying. They said it is at 22% with the cash advance (£2200) at 35%. I asked Virgin if the payments I make could go against the cash advance element of it so the card is paid…
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Credit Card V Mortgage
I have credit card debts £14k which are from 5 different card companies the minimum payment are £360 per month which i am struggling to pay, but have not yet defaulted on any payments, conversley i have a 68k mortgage on the variable rate and i am only paying £419 per month with 17 years left. One option for me would to be…
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Callcredit letter.
Hi, i can't find where to put this but i recently wrote to Callcredit asking for my paper credit file for £2. I got a reply today that i don't really understand. They say that after checking thier records there is no information held in my name at the address i supplied & say they can't be of any more assistance. I have…
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How far back and in how much detail can your Bank view your CC balance?
Right to explain a little bit first. I have a student account with Natwest as I am currently a post grad studying law. At the beginning of this academic year I took out a career development loan (or whatever they call it nowadays) and had no problem getting it. Now at the time I quoted an entirely accurate CC balance for…
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would cash advance fees be applied?
i have a new credit card(tesco)with 0% on for 14 months,i am after a new car and thought how i can use this 0% to my advantage,i mean,why use savings(even though with the low interest rate its not earning much,but every little helps lol) i have a credit limit of 6000 on the 0% card,i am looking to borrow 5000 from…
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Catalogue Balanace Transfer
:confused: guys are balance transfers possible between a catalogue and a credit card. i am thinking of transferring from catalogue to a credit card as i am not getting accepted for new credit cards but catalogues seem to be coming my way. all i am trying to do is reduce the debt to credit limit ratio, below 50%. my wages…
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Refused Aqua card
I've recently been refused an Aqua credit card so i sent off for my credit file which i received today from experian and its, as i thought, showing 2 defaults (which i knew about) - surely this isn't bad enough to have been refused by Aqua, i'm not on the electoral role - is this normal for Aqua refusals.
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Lloyds/tsb duo credit card
When signing up to Lloydstsb duo credit card you get an American Express card and a Mastercard. You also get 1500 airmiles voucher. If anyone wants to sign up for one pls PM me your name and e-mail address and then I can get 200 airmiles as well.
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Balance Transfers and Mortgage
Hello. I've been transfering my credit card balance on average every 6 months for the past 3-4 years but now I'm really worried about my credit rating. The only reason I'm concerned is that I need to remortgage in 18 months time so I'm wondering if all those balance transfers are gonig to affect my ability to remortgage.…
