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Cancelling PPI
If I cancel the PPI on my credit card, is my interest rate likely to go up? If so, can I contest this?
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Credit Card - over limit
I have a question; I went over my limit on a credit card. I paid the over limit off bringing me back under my limit. My card issuer charged me an over limit fee, which took me over my limit again. My normal DD payment went out and I have been charged again for going over my limit. This seems a little unfair to me?
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interest on existing card???
does anybody know if i can get my interest down on my existing credit card? ive foolishly missed monthly payments in the last year, only twice i think but its bumped my interest up which is a bit of a nightmare. Any advice would be very much appreciated. Soapy
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Ikano / Principles Store card
Has anybody else been contacted by Ikano regarding an 'overpyament' on my old principles account ... The number to call is on 0844 and I am rather dubious in case its a prank .. I can see that they are a financial services company in Nottingham but even so .. the big question is - are they going to give me the money that…
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What to do now??
I have just managed to get a 0% Halifax card on balance transfer for 13mnths then goes up to 16.9. Problem is that the credit limit is 5500 and the balance I wanted to transfer is 8900 as currently paying 17%. Would you apply for another 0% card to transfer the rest? Don't have much experience in this area but just really…
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Will i lose my promotional rate???
I just recieved my card from play.com and brought a tv from amazon.co.uk which took it upto 1pence from its limit, but ive just logged onto my account and it has pending transactions at £1 more than my limit.. so will i lose the 9months interest free on purchases or not??? i know the £2 extra a a validation thing that…
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How to work out cc interest - help please!
Does anyone know how I can work out roughly what interest I will be paying monthly on card with an APR of 5.9% Any help much appreciated. Thanks df2008
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Credit Cards without Chip & Pin ?
Hi! Does anybody know of any credit cards that do not require you to use Chip & Pin ? I know you can get cards that don't if you are unable to use them for medical reasons but I just don't like it and think it just shops an excuse for poor / lack of customer service. TIA
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Why can't I get a card to transfer balance?
Hope you can help. I recently tried to get a 0% interest card so I could transfer the balance of my existing card which I owe just under £9000 on. This is so we can really work on paying it off as we are both really focused on getting out of debt. I tried Virgin but was refused. Even though I have a lot of debt we both…
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Flybe credit card
Applied online late last night and received the response "we'll contact you by post in the next 7 to 10 days" Is this a standard response and how easy is it to get a card from them? Cheers.
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Graduate Help Please!!
Hi guys hopefully somebody can give me some advice!! Basically I graduated from uni last year and have had a job since September, however meant moving to London!! I thought I would have more disposable income that I do and my rent takes half of what I earn a month! This does not leave me with much. Part of my job is…
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Balance Transfer
Hi Ihave a virgin card with 16th months balance transfer, does anyone know if i can transfer a relatives card oto mine to help them out
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Close Credit Card, Setup Payment Plan Advice.
Hi, I am looking to close my credit card, as I am not using it and i'm just getting charges put on it :( I found an article on MSE which told me it might actually look better on my credit profile because it would show I have more credit available. It currently has £400-odd outstanding on it, and I cannot afford to pay it…
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Santander Zero question
Hi, I've applied for the Santander Zero card (for foreign use) and been accepted, just waiting for it to arrive. Can someone confirm for me that there are no charges whatsoever if I use it to withdraw money from an ATM whilst abroad (so no cash withdrawal fee as well as no loading charge). However, I understand it will…
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Credit card transaction
Why do cc transactions have an extra charge when paying for airline tickets some councils and other things when I thought that people paying on credit under the consumer credit act should not be disadvantaged from those paying cash? or is that not so , does anybody know the latest rules?
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l'm new to all this and could do with some advice...
l'll try and keep this as short as possible and hope l get the help and advice needed. l am new to all this with credit/visa cards, l have been reading up on all this and still find it confusing :confused: on which card is best and how to work out APR and how much you would have to pay back monthly on how much you use. So…
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Accidentally went over CC limit...help!
Hi all, For the first time ever I accidentally went over the credit limit on my credit card by twenty something pounds. :eek: I discovered that I had done it 3 days after the event, and immediately paid it off as soon as I realised what I had done. The only thing is that I now have a slightly uneasy feeling that this might…
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Default
Sorry to repost this here, but no one came forward with advice in the other section of the forum (I know everyone is really busy and time is a factor). I hope someone can offer advice because this default is making my life hell. I'm trying to pay off all my debts (bout half way there) but the light at the end of the tunnel…
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0% credit card search
Hi all I am trying to get a 0% credit card. Previously had a default with Abbey card which I think was MBNA owned, now with a collector and £200 to pay off. I have a Vanquis card and instead of paying 39% interest hope to get a cheaper card if not 0%. BT are offering 0% on their card with reduction on Bt phone bill when…
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Credit Score Problems. . .
Wonder if anyone could offer any quick advice . . .recently accidentally made mistake in address on a mobile phone application webpage which got flagged up. On chatting with the sales rep, their finance company asked for extra evidence of my current address. Card details were typed in incorrectly by the rep (found this out…
