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Bad Credit Help
Hi Guys (first post) I've been a victim of ID Theft and am currently trying to sort it out (Hell let me tell you) I've had my Crime Number from the police and have given it to all the debt collectors chasing me, In the mean time I'm trying to re-claim bank charges. As my credit is now terrible I need to re-build it with a…
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AMEX Cashback Card - How do I get my cash back
Hi all, I have just recently got an AMEX Platinum CC - I have £115 of cash back from spending - how do I claim that cash back? I cannot see a way to get it . Does it just come off the total amount or do I transfer it into another account. Thanks Sorry if this seems a daft question!
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What to do ? Credit card balances
Hi Everyone this is my first post so please go easy on me. I have been unemployed off and on now for the last 2 years, but now finally I have a regular income and the key focus now is to pay off some horrible credit card balances. I'm usually very adept at switching balances in an attempt to pay as little interest as…
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Refund to a Old Morgan Stanley Credit Card
Hi, I canceled my holiday with virgin and they say they will only refund to the original card which was a Morgan Stanley Buy and Fly which has been taken over by barclaycard. Has anyone experianced this? Will the money get to my latest card? Barclaycard said it may or may not(helpful). Is there any chance it will just go…
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Companies updating credit reports
How often are companies supposed to update your credit file? I have noticed on my report that the last date was 2006 for a couple companies. I thought they reported to credit reference agencies on a regular basis. Can the customer officially request that they update it?
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Asda Card Points
Hello I'm looking at getting a new reward credit card and have been trying to do some research myself. I do most of my supermarket shopping in Asda and therefore have been looking at their Reward Card. The problem is I know you can earn points towards vouchers in November each year but I can't seem to find how many points…
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Are travel companies clamping down on Credit Card Use?
Hi credit card people, not sure if this post would be better off here or the travel forum but hey! I have attempted to book a holiday in Menorca with First Choice. Come the payment screen it gives you various options (pay outright, deposit etc). I tried to pay a deposit using an Alliance & Leicester Mastercard but it…
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Supplier disputes
I have ordered some translation software from a company called Babylon for which I have been charged £61. Despite numerous emails the company has failed to supply the ordered goods. I contacted Flybe (my credit card supplier) to see if they could reclaim the money for me but they have said that because the amount is less…
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Ikea Card
Does anyone know if you can claim late payment charges on the Ikea Card?:confused:
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section 75 for a large purchase (car)
I am worried about firms going bust as I am going to purchase a car and leave a substantial deposit (£8000). If I pay a portion of that deposit, say, £500 by credit card (swallowing the 3% credit card charge of £15 myself) then paying the rest by debit card (£7500 but no % charge) would I still be covered under section 75…
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Virgin CC promo turned off
The husband applied for Virgin CC 0% 16mos. Shifted some debts over and first payment was delayed 2 days coz he was waiting for the statement which didn't come earlier enough. This happened in February when we only got 28 days. Statement arrived last week of Feb and due date was on March 01. He has been charged £12 for…
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credit card balance transfer or loan ?
hi, I have put cost of conservatory on credit card £6000 with sainsburys should I balance transfer or loan with sainsburys at 7.9%?
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holiday dissater
hello every one, back in october me and my wife went to turkey for a week it was a dissaster we booked through a local travel firm and we went with goldtrail we requisted a quiet small hotel no kids etc but when we arrived at the nice quiet hotel it was quiet because it was closed we were taken to another hotel which was…
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Electoral role and credit applications
Hiya, I just became a UK citizen in March 2009 and submitted my electoral role registration in April. ( I have since received info on postal votes so I think they received it) but now I'm wondering how long it will be for the credit report companies to know I'm on the electoral role. I haven't been able to get credit in…
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Credit Checks - How long inbetween?
Hiya Just wondered what is the safe time to leave between credit checks? We have a a credit card coming off a 0% rate in June and ideally we would like to apply for a new card offering 0% (abbey one seems the most ideal for us) My concern is that 5weeks ago we got creidt checked/scored in a DFS store when ordering our sofa…
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Credit Card Section 75
Does anyone know if the Credit Card Company is liable if the goods are damaged and not faulty? I took delivery of a washing machine and didn't notice the dented front until after the delivery men had gone. The washing machine company say it's not their problem?
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Mango Bingo??????
There has been a transaction on my credit card for £48. What appears on my statement is as follows: 30 Apr MANGO BINGO M'STER M14 GB £48.00 Has anyone got any idea what this is? :confused:
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Most appropriate pre-payment credit card.
I try not to use credit cards that much. I shop online alittle, five tranasctions in last year. About the same number of times for out and about shopping. Can anyone recommend a card vthat would suit my need please?
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Credit Card Cashback - Which is best
Good morning, Who do you think ofers the best cashback on credit cards? I've been looking to see what is the best option for me. Currently I use a Sonycard which offers points in order to purchase Sony Products. I also have an AMEX nectar card, I have but don't currently use. If you spend over £500 and for every £500 they…
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Aqua or Vanquis card to rebuild credit rating?
I am a student, due to graduate later this year and actually finish my course in a few weeks. I've been a student for 4 years so haven't got a good credit rating because of this, and wasn't able to find a part time job in the last year. Also I have a default on my account which should be marked settled later this month as…
