-
Natwest card for current customers
Natwest are offering a Platinum card with 15 months at 0% for BTs. This is only for customers of Natwest and it does include those with credit cards. I already have a natwest platinum credit card so I was unsure if it would apply to me. I rang them yesterday but the woman didn't really seem to know whether it was worth me…
-
Barclaycard reduce credit limit to £700 from £12,000
Received a letter from barclaycard imforming me that my credit limit has been reduced from £12,000 to £700 and no longer able to take out cash. I have always made payments on time and never gone over my credit limit. And have an excellent credit rating. I presume this is their way of closing my account ' according to the…
-
The Credit Game - ROFL
On paper my Credit Score should be very good, reasonable disposable income, no missed payments, along history of credit, smallish mortgage etc the only thing going against me is i have 20k available credit (unused) on 2 credit cards and for some reason they are now showing the massive balloon payment on my car as a loan…
-
Using Zero card abroad for cash/purchases
Just got the Zero card for my upcoming holiday. I don't normally make cash withdrawals on credit cards, but as this is the cheapest way to get local currency, will be doing so for first time. Question though, I know I will be charged interest on the cash advances from the day I withdraw, but will I still get interest-free…
-
credit cards being written off?
i heard about companies who say you can have your credit card written off by virtue of the consumer credit act 2007. however whats the probability of success?
-
Balance transfer handling charge?
When doing a balance transfer to a new card they charge around 3% as a handling fee. Does this handling fee go on the card or can you pay it via a debit card. If it goes on the credit card then I assume you pay interest on that handling fee until the balance is paid off because of the way they allocate payments e.g any…
-
Help! My Credit card been hacked.
Advise me please... I have found that my CC account has been hacked. I'm not sure when or how because I've recently moved and my mail didn't follow me for 2 months. Because my CC statements were getting "return to sender" from my last address Barclaycard did not sent any statements to me at my new address for a further 2…
-
DCA's - Dispatches to air debt collection agency
Interesting..... http://www.credittoday.co.uk/news/news-item.cfm?news=1233 On air C4 - Monday 20th July 8pm.
-
Marks & Spencer Credit Card - PPI
I have had a M&S Credit Card (originally Chargecard) for many years and have been paying a PPI premium every month. I am not aware of agreeing to this when taking the card, can I claim the money back?
-
prepay credit cards
Hi All, Can anyone point me in the best place to get a upto date comparison on these? Also anyones experiences of which have been good / bad would be very appreciated, many thanks, Bman
-
Credit card while unemployed
Hi, apologies if this is a daft question, have put off posting it for a while. I've happily tarted for a few years and have now come unstuck as I've lost my job. Does anyone know of any credit card lender that will actually accept an unemployed person? I know of Aqua but the APR is huge. I've been refused three times…
-
Credit Card vs. Overdraft
Looking for a quick bit of advice if anyone can help. I currently have a £2000 overdraft limit with Natwest, of which I am currently about £325 in. I also have a credit card with a £700 limit, which I am using £467 of. I am hoping to have both of these cleared and paid off by September. Until then, I have a question. Would…
-
Credit card help
Hi there, I would like to transfer to my Barclay card at 6.9% for the life of the balance but I was thinking of moving the debt off the barclay card first to a CITI card to free up the Barclaycard and then transfer the 2k from CITI back to barclaycard. My question is my current CITI card is 4.9% for the life of the balance…
-
Refund on credit card
Hi, i'm hoping someone can help me. On 1st May 2008 i bought 5 tickets for a concert totalling £256 on my HSBC credit card. I bought the tickets from the Hall for Cornwall, who were selling the tickets on behalf of Camellia MC Productions. The concert was due to take place on 4th September 2008, but was cancelled at the…
-
New Egg cashback card
Martin Yesterday I applied for the new Egg cashback card online. Part of the registration process required me to enter my current account details in order to set up a direct debit. Egg therefore have my current account details. Then they refused my application. Is this usual practice, and what will Egg do with this…
-
Payment Protection Ins. on CCard
Hi there I am sure you have had LOADS of queries about this issue. I am in the process of using Martins 1st template to send a letter out to Nationwide regarding the mis-selling (if thats a word) of my PPI on my credit card. My query is - if i do send this does this mean Nationwide bank will not treat me as a "valued"…
-
Credit ref addresses
Hi All wanting to remove my NOC before my adverse data falls off( 2 months) so when I apply for a mainstream card they dont have to manually check! cannot seem to get the postal addresses on line for equifax/experian and call credit. Can anyone help? Thanks M ps how long after the data falls would you recommend b4 I apply
-
Beneficial Claims
Beneficial Claims????????????? anyone heard of them? Hi I am looking for a short term loan & I went through an application with Yes loans, they put me through to Beneficial claims- they say they can write off my credit card balance of £3577.04 if I took out the card before 2007, they want to charge me £250.00 to do this &…
-
how long before " normal " credit card
Hubby and I bother got subprime cards last October.. me Aquacard start £250 now £450 Vanquis start £250 now £1250 him Aquacrd start £800 now £1200 We pay them off each month and wondering how long to wait before applying for a "normal " credit card. We did apply after getting these but got a no from each, cannot even…
-
Best CC for abroad?
Hey Am travelling to USA next month for a few weeks and would really like the convienence of just using an interest free CC (with no charges on purchases) and paying it off when i get back. SO far the only one i can find is the PO one with 3 months interest free but ideally i could do with having interest free for 6 months…
