-
Tesco CC - Confused on T&C.
I was planning to apply for the Tesco CC to fund a purchase of about £1000 and take advantage of the 12 month interest free period. I was assuming that the interest free period meant that as long as I paid at least the minimum monthly payment each month I would have 12 months to pay for the purchase off in full. So I am…
-
Spending a LOT of money on CC for business. Which offers best rewards?
Hi all My sister and her fiance have recently opened their own business. They are doing very well. However, with the credit crunch being the way it is, it is very hard for them to secure any credit accounts with their suppliers, so they are paying for almost everything with credit cards and then paying the cards off with…
-
credit card reclaiming
Hi i wish to reclaim charges from a card i haven't had for 2 years but i don't know the card details any more how would i write to capital one and ask for the charges back without knowing this, can anyone help thanks?
-
PIN Numbers
Ok so I'm finding it difficult to remember my pin numbers for all of my different cards and it's embarassing entering the incorrect number in a shop. I've been thinking of ways I can change my numbers to something rememberable but secure at the same time. 1) On each card, use the first 2 numbers and the last 2 numbers from…
-
Balance Transfer Merry-go-round
Hello, I have been offered 0% for 6 months for one of my CCards. I also have another offer of 0% for 6 months with another CCard. Both cards will allow me to transfer the balance in full. Can the CCard providers that I want to move the amount FROM refuse to do this? And can they transfer the amount back to the original…
-
limit
Hi does anyone know if most credit card companys have a limit on a purchase before they would contact the card holder for authorisation ? Pennywise 2
-
Abbey zero rejection
Hi I applied for an Abbey zero card last week and called up today to find out how my application was going. They said that I haven't been accepted but haven't been rejected either. I have to write to the underwriters and say what I will use the card for and what kind of limit I need. I just want the card for spending in…
-
Anyone applied to Abbey recently (how long do they take?)
Hi there, About 5/6 weeks ago I applied for an Abbey CC online (for a 0% bt card). I still haven't heard anything from them, not even an acknowledgement of the application. Has anyone applied with them recently? Is this normal for Abbey? About 8/9 months ago I applied for a Tesco card and was declined, but I heard back…
-
Advice needed on which card to choose
Ok so i'm in a band at the moment and where going quite well, we have a very important gig coming up in a month and i've managed to completly destory my guitar (don't ask). I've seen a new one for £600 problem is i can't front the money so i'm thinking of getting a card just for this guitar. I'd like to pay back about £80…
-
MBNA shennaginans
I've been with MBNA for years and always paid off my min payments. Last month I missed one by mistake, gave a cordial phone through to MBNA and was told all was ok just to pay with the next months amount, however within days I had a co., called Aegis on my back by text and phones. I repaid the missed payment and the…
-
M&S credit card transaction fees
Recently I opened an online betting account; not very moneysaving I know, but I funded it with a mere £30 using a debit card. However I was asked to provide credit card details as part of the age verification process, the company stated that £2 would be charged to the card as a nominal amount to create the transaction, the…
-
How to work out minimum repayment?
Might sound like a stupid question but how do you work out how much a minimum repayment will be. Example info: minimum 2.5% balance £1200 APR 0% Thanks
-
Recommend a card?
I need a credit card, but our credit rating isn't brilliant right now. The amount I need to pay is low, £200, and it will be paid off within a couple of months. What I really need to know is which is the easiest card to get? :o
-
Two cards for one purchase?
Does anyone know if you can use two cards to make one purchase? I got the Virgin balance transfer card approved last night but would like to buy a car using two credit cards (to benefit from their loyalty rewards) and then use the Virgin card to transfer the balances. The purchase will be about £10,000. Thanks.
-
I have been hit by a scam!!
Hello people, I need some help badly about an hour ago I have been hit by a scam I think, I went online to check my bank account and have seen £1000 made as a payment from my transactions. Two days ago I received an invoice for a laptop at my address in London however it stated that it had been delivered to another…
-
Balance transfer problems-Advice requested
Hi, I am a newbie to this forum so please be patient with me ! I am having a problem with a balance transfer and would welcome your advice on how to proceed. I had an outstanding balance of 2500 on a Halifax card which I wanted to transfer across to a 0 percent card.I applied for a virgin card and when I didn't hear…
-
Husband has a card on my account, can he get is own account?
I have a Tesco credit card. Have done for a while. At Christmas I got my husband a card for that account, his name, my account number. Now I would like to take advantage of the recent tesco purchase offer by taking out a new account in his name. Now would this work? Or would his name on my account mean they would deem that…
-
Option to close CC account and repay mthly
Hi. I'm new to the forums and have looked for previous threads on this subject. I'm on a DMP with CCCS for my personal debts which has another 3 years to run before I'm debt free. My husband has his own CC, close to the limit but he pays every month, sometimes extra. He has recently received letters from HBOS stating that…
-
MBNA reduced repayments help
I recently went to the C.A.B to get advice on lowering my monthly payments to MBNA. I owe a little under £9000 and my monthly payments go from anything from £115 - £145. I no longer have a card and haven't since back last year sometime. My monthly payment is barely covering..or even not, the interest that goes on monthly.…
-
Credit Card currency conversion
Its probably been asked a 1000times, so apologies - I did a quick search but nothing exactly appeared. Do you know roughly how credit card merchants calculate the exchange rate. My example, i have paid for some hotel rooms in advance @ 750 euros. I have checked with the hotel and they confirm they received the 750 at their…
