-
NEW Credit Card
:confused: Hello, After getting some good advice im now looking for a answer to one or 2 questions. I currently have a barclaycard platinum with £2k on it which is 0% which ends feb 2010 whilst I am paying a chunk of every month I do not think I will be able to pay it off by then so will transfer to another 0% in December…
-
AMEX Platinium Cashback
Hi all, I've just noticed some small print on the AMEX Platnium that says cashback is only paid if you reach a minimum of £12, does anyone know if your cashback rolls over if you dont reach this or is wiped out and starts again at the cutoff point? Thanks
-
I want a Post Office Credit card but..
I really want to get a post office credit card but I am a housewife with no income of my own, I have looked at the form and it asks for yearly income....I was wondering if it would be ok to enter my husbands income as he has no objections to this, or would this be fraud? I know it would be straight foward to get the card…
-
A Little Bit Of Help Please! (might be in wrong area!)
My mum asked me to right out a cheque for £3,000, from her Credit Card this week. She put it in the bank which would be Debit Card on the Wednesday, tonight I check her account! It says the cheque is unpaid, now what doesn't make sense is that they've made her go over drawn 2,500 odd! Why have they done this? Is this…
-
What can I do with my card debt - Help!
I have an MBNA credit card with a balance of £12,000 which is mounting up a huge amount of interest each month meaning the debt is ever increasing. I have looked into moving the debt to a 0% card and on application have been accepted for one but the initial balance offered is only £2k which is of no real use to me. How can…
-
Credit card advice pls
I currently have a Barclaycard platinum with £2000 on it with £3000 credit limit, on a 0% interest for 12 months the aim of this card is to pay off the balance as quick as possible. I always pay the minimum plus £100 per month. I am currently putting purchases on it and paying them in full every month but is this okay, I…
-
Should I shred my CC statements?
Hi All, We are moving to abroad soon hence my question if we need to shred our important documents such as credit card statements, current and savings account statements. I still keep some statements which is probably 6 years back? cheers
-
Credit card purchase - will I be insured ?
Hi, I am thinking of investing in a small share of a hotel. It's only a relatively small investment (£7k) and I can afford to pay cash, but I would like to take advantage of the protection offered by purchasing on a credit card (if possible). The dangers that I am concerned about are - what would happen if the developer…
-
New Credit Card
Hi a newbie here and just wanted to pick your brains I currently have a Barclaycard platinum with £2000 on it with £3000 credit limit, on a 0% interest for 12 months the aim of this card is to pay off the balance as quick as possible. I always pay the minimum plus £100 per month. I am currently putting purchases on it and…
-
credit card help please
Hi Guys I really need help - I am a teacher who had a bit of bother with a student overdraft over a year ago - I didnt pay back a min sum and they took 900 pounds off me all at once - anyway I sorted it out and paed them everything back... I also have a student overdraft which is £800 whic I am paying off monthly... Anyway…
-
What to do about a default.
I purchased a DVD player and a refrigerator from Powerhouse in 2002 and 2003 respectively. Both items were purchased on credit taken with First National. Almost immediately after purchase, the DVD player broke down and was collected through the cover plan I had taken out on it. At this point, I had just begun the process…
-
Claiming refund from credit card company
Hi all, I purchased an accessory in Sept 2007 direct from a manufacturer in the USA, paying by credit card. I received the item 3 months later in Dec 2007. The item promptly broke as it was too brittle. I contacted the manufacturer who said that they would send me some replacement parts so that I could replace the broken…
-
Late payment due to changing banks!
Hi I recently changed by Bank from Natwest to Barclays, when all my funds was transfered i was asked by Barclays if i would like them to change my direct debit commitments. I agreed with this and thought nothing more about until i recieved a letter from Agros card services stating that i missed last months payment and…
-
Request Copy of Consumer Credit Act from Credit Card Companies
I tried to post this previously and got lost in someone elses thread (sorry new at this) I am trying to get info and my head is spinning round! Not sure if I am doing this right. Can anyone advise please? Requested Credit Agreement from the Halifax and received an letter in response to my request - no signed agreement but…
-
applying for new credit card after default
I defaulted in 2003 with my Amex and a MBNA Mastercard with a debt of 24,000 pounds. After many letters, they passed it on to a debt collecting agency, and another, and another until nothing for the last 2 years. I have never been informed of having been made bankrupt. I now live in Asia. Questions: 1. Do I take it that…
-
Credit Card Settlements
Hi, New to this and will no doubt be wading through the various threads over time, the majority of which are extremely helpful. At present I'm trying to sort out a few issues I have, and suppose I want to throw a few questions to anybody who will listen! Has anybody had success in offering Credit Card companies lower…
-
Best way to use credit cards to rebuild rating
I applied for 3 sub-prime credit cards thinking I'd be lucky to get one, as none of them had an instant decision, however I've been accepted for all 3! I am trying to rebuild my credit history after a default registered against me last year. This is the only adverse history aside from some '3's for missed payments, but…
-
Capital One 'gone mad'
I am desperately seeking some advise. I had a cc with Capital One which I cut up and send them back in 2007 for the following reasons. I became unemployed and missed one payment. They then added charges and pushed me over the measley £200 limit which I had that then resulted in penalties being added as I went over the…
-
Lloyds
Has anyone claimed successfully from Lloyds tsb credit card? I'm with Lloyds now because they took over accucard (the card i originally had) and would like to know. Many thanks.
-
Abbey Credit Card
I know Martin has this has one of the best offers but just to let others know the conversation I have just had with one of the staff at Abbey. I originally applied online for the card a couple of weeks ago and as I had not heard anything decided to phone up and chase. After looking into it they couldn't find any record of…
