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Tesco ClubCard CC points
Hi, I'm looking to settle my Student Loan which is circa £8k. I could pay this directly with my debit card but I thought I would see if I could use my CC to pay it off and get circa 2000 points (in theory). This would be a direct payment rather than BT. The Student Loans website accepts payments with Mastercard and there's…
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Goldfish - Worth applying if income under 20k?
On Barclaycard's website it says it is 'most suited' for someone earning over 20k. I earn just under this but once all the searches have dropped off my file (last one end of Feb) my file will be impeccable. 1 mortgage (small payment in relation to my income), 4 CCs (all paid in full), on electoral role, etc. Would it be…
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lloyds application
i just applied for a lloyds card and it said at the end we'll get back to you in 10-14 days, what does this mean? has anyone had this and actually been accepted?
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How to Make £3000 using your equity over 2 years
Will this work if I borrow at a fix rate of 2.99% over 2 years ( First Direct ) on 75% of equity of my house ( No margauge and valued at £230000 ) = max loan of £ 172500 Then reinvest the loan in a fixed rate bond with a rate of 4.25% over the 2 year fixed rat period I calulate over the 2 years I would make £3000 ,if i…
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Section 75
...of the consumer credit act .... I've made a claim with my credit card company after a firm (2leftfeet!) went into administration. No orders are expected to be filled, nor monies returned. My card company has written to me stating .... "We have arranged the amount to be refunded to your account as the charge has been…
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Anyone have a UK number to reach Capital One?
Hi. Im trying to speak to capital one about something on my account but every time I call, I end up speaking to someone in India and im sick of being spoken to from a script, they help me in no way at all, anyone got a number I can get someone in the UK on, guaranteed?
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Chip & PIN FRAUD - WARNING TO ALL
Todays Times: Fight back against refusal to pay out on Chip & PIN fraud claims. Victims of chip-and-PIN fraud who are unable to recover their money have been urged to consider legal action against their banks. The FOS handles about 50 cases of disputed chip-and-PIN transactions every week. “In many cases, the issue of…
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Capital One ERC Department
I am in the process of trying to claim my charges back from Capital One. I have recieved 1 letter from them stating that the charges are fair based on the OFT recommendations. I replied stating the exact quote from the OFT recommendations, namely that a court will not find that a charge is fair just because it is below the…
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paying online bill .is that counted a a cash advance
Hi just wondered if anyone could help me, if i pay my next directory bill online from my CC , only 70 pounds ... but i just wondered if that is classed as a cash transaction or would it be included in 6 months interest free period ? as a purchase . Thanks
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Store cards?
Is there any which are easy to get (with decent clothes :p ;)) with a default on file? I've just been accepted for Capital One and Vanquis and waiting for Aqua's response... Would leave it 3 months or so to apply... What about Littlewoods/Empire or Next? Do they accepted adverse data on files? Small credit limit would be…
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Capital One - interest free days?
I've seen that Vanquis do a handy "up to 56 days interest free on purchases" thingy and wondered if the Capital One Classic does as well? Can't see any mention on site so I suppose this is a no? Can I confirm that if I spent e.g. £100 and paid it back within the 56 days I'd not have to pay any interest, is that correct?…
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which card advice.
Here's the situation: I have 4 open credit cards and could do with a little advice on what I could do next. Citibank with a 1500 limit - maxed out with a balance transfer of 6.9% LOB Barclaycard with a 2300 limit (was Morgan Stanley) - again maxed out with a 6.9 BT offer. A Marks and Spencer card at 20.9% with £0 on it -…
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How can I calculate monthly interest payment?
Hi, My credit card's interest rate is about to change to 16.9 APR and I'd like to know what that's going to cost me on my outstanding £4k. The bank said they couldn't tell me (which I find difficult to belive but couldn't be bothered arguing with) - can anyone help me with the maths - or even better point me to an online…
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Paypal
I have just spoken to customer services at Paypal regarding some goods that I ordered from a website which turned out to be fakes. They told me that there is absolutely nothing at all I can do about it as they only resolve issues conducted through Ebay. I just want people to be aware of this when using Paypal to pay for…
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Martin on TV tonight
ITV 8pm. See Martin in all his glory - credit secrets :beer:
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Payments taken after card was closed
I recently closed my Credit Card account only to have a card protection payment to come out of the account afterwards. The card company in question have not been able to explain how/why this happened but have insisted we have to pay. Can they do this? Any advice would be much appreciated. Thanks Dave
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Getting money back
A little while ago a company said they could get back my PPI payments back (company was Torston). I gave them the information they required on the accounts in question:- Account 1 Black Horse 2 Egg 3 Halifax Unsecured loan Black Horse:- was a no has I had mad a claim on the protection a number of years ago, it had slipped…
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credit card protection query
i have just paid for a sound system from a website online, i checked reviews to see that this company is reliable and on the whole they seem fine. when i read down on some reviews some people have commented that this company have poor customer service and so if they are any problems with the order (either it doesnt work or…
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Shell mastercard from citi
Does anyone have any idea if the Shell Mastercard for Citi is a good rebate card to go for? Spend £760 per month on shell fuel and other expendature (£130 fuel and £600 other) and get £10.80 rebate per month. (Info from T&C's) They seem to have taken online application down does anyone know why? flyres are still in service…
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Extra Person on Credit Card
I'm about to apply for a new credit card, on the application is a section for additional card holders, in case of emergency and things. I thought it would be really funny to make a false name, along the lines of Dr S. Pendalot or something. I couldn't actually buy with it as Dr Spendalot won't be a legal entity to claim…
