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Settled accoutn - why default??????
Hi, After checking my credit report i have found that i have a default from Capital one! i had a credit card a few years ago, and there was an outstanding balance of £346 which i paid in full, so i was surprised to see a default, when it also states that its been settled! is there anyway of having this removed? i would…
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Low credit + good balance transfer
Hello, I dont have the best credit rating due to my student years but i would like to try and transfer my credit card balance with first direct to another credit card. I am aware that most credit cards are not going to accept me due to my credit rating but i wanted to know if anyone know's of either a good credit card to…
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When I pay off My C-Card Will I get another Bill?
Hi, This may seem like a stupid question but ive searched everywhere on-line and can't seem to find an Answer.:confused: I've paid off my Credit card in full, Now will I get a bill next month if I make no other purchases on the card. Now I know the obvious answer is no. But the part of my bill that confuses me is the "Next…
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Old store / credit cards
OFFICIAL MSE INSERT Please make sure you see our full guide to whether you should Cancel Unused Credit Cards Back to the original post... If cards have been unused for a number of years, is there any need to terminate the contract or can the card just be destroyed? Similar question, if a bank account has been sat dormant…
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Advice needed on unpaid credit card please :)
Okay, so before anyone reads this, I know that i have been phenomenally stupid. But I just want to get my money and credit sorted out! So I had a Capital One credit card, which was up to its limit of £500. This was about a year and a half ago, when I was living in a different part of the country. Since then, I have moved…
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Pre-paid credit cards?
Well i've noticed more and more for online transactions im starting to need a credit card. Now im 21 next week but I dont want a regular credit card mainly due to interest, the way they work etc etc. Im looking for a topup credit card. Where I can top it up when and where I need to use it. ie. I need to buy something worth…
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Should I cancel an unused CC?
Just after advice/second opinion I have a Barclaycard Goldfish card which I used to use cause of the Goldfish points. These have gradually been reduced over the years and I am now using Egg Money. Do you think I should cancel the Barclaycard or keep it as a "just in case" card.
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fustrated card user
not sure if anyone can help, 12 months ago we brought a flight using our barclay card. 3months Later the Airline went bust! because we paid by Barclay the airline told us to go to them, well we are still trying to get our payment back, barclay's are dragging their feet, and so what I am thought would cover us and protect…
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Money taken out of my bank account without authorisation by my bank
Hi, I have a credit card and bank account with the same bank, which is HSBC, I defaulted on my credit card payments for 3 months and the minimum payment was £100. I have no standing order set up and cancelled my direct debit for my credit card. The credit card company have taken all the money from my bank account without…
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Is a credit card best way to clear kitchen debt we have?!
Hi all, About a year ago we had a kitchen put in, pay nothing for a year, then i am guessing high rate. This is soon to be starting payments... What is the best way to clear or move this around, and can I? It is just under 5k so wasnt sure if I can transfer it onto a card? It is with Hitachi finance and so far i just have…
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The Vanquis Visa Card
Should i avoid this card? i have been offered it but it states at the bottome 39.9%!!! does anyone know anything about the vanquis?:confused:
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Sutton's default removal letters
Hello everyone! I am starting this thread to help Sutton to get defaults removed from his credit files. So I appreciate if anyone can input some suggestions to give Sutton his best chance of removing those dreaded defaults. I would ALSO encourage anyone reading this to start their own process if they have tried and failed…
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Late Egg Money Statement
My statement is normally produced on 2nd of each month - so far the statement isn't available to view, nor are any of the transactions displayed in the 'recent transactions' page. Nothing received to say they're changing my statement date. Anyone else had a problem? I'm in the process of sending them a secure message…
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Waiting for Credit Card to arrive?!
Hi Does anyone know how long credit card applications take to process from start to finish? I applied online for a Bank of Scotland Credit Card on the 22nd April and was accepted. I received paperwork on the 24th, signed that and returned it the same day and I haven’t heard anything since? Am I being impatient to think…
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Lloyds Credit card problems.
I have a credit card with Lloyds and about 5 weeks ago I got a phone call from a company called MHA who said that my account had been passed on to them for collection and that I needed to set up a payment plan with them. I explained that I knew nothing about this and that I would need some confirmation from Lloyds before I…
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Credit Card Companies Settled but not on Experian
Hello to you all, I had a look on the forums for an answer to this one but could not find anything - apologies if it has been posted before. My problem is this - I have 3 accounts which have all been settled now over 6 months but each time I get my credit report from Experian it shows that each account is still active. One…
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Has egg stopped the anniversary 0% ? Can I find out when mine is due?
I've had an egg card for YONKS, and always used my 0% period for balance transfers. Well I can't remember what month I first got my card, but I was sure it was first half of the year. But I've been waiting and waiting, it hasn't happened. So either a) Egg aren't doing it any more or b) I'm getting older, and can't…
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Which cashback or reward card sould I go for???
Hi all, My company have decided we are no longer to have fuel cards and we shoukld pay for it up front and claim in back!! I thought it would be a good idea to put all this additional spend on a rewards or cashback card so at least I get some benefit from it..... I intend to repay the card in full each month. I usually…
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Barclaycard customer retention - free money!
I had a Barclaycard back from when they were the best for cashback and doing various promotions. I have been trying to cancel the card for over 6 months now, but by telling them I was leaving because of the 5% cashback at Amex, they kept offering me reasons to stay. I've summarised them below, so hopefully anyone leaving…
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Quick question.... settle an argument please??!!
I took out an HSBC credit card last year at 0% on all purchases. That runs out this june,which is fine - but after it runs out,am I right in thinking that I start making payments with the %apr ?? If I dont use it again - will it stay at 0% as Im not making any purchases - or do they put it up to the right amount ?? I had a…
