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How to lower credit card rates - help please
I am a total newbie so may be in the wrong forum - have several credit card debts - which admittdly are quite high but have always managed to pay minimum at least - Don't know if its just the climate but have been refused credit cards that i would have easily got b4 - not applying for more credit jsut trting to get the…
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Getting a cashcard instead of a debit card
I had a normal cash card until about a year or 2 back when the bank sent me a debit card, is there any chance i could just go back to an ordinary cash card where you just draw money out at a cash machine will the bank let me do that :confused:
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Natwest gave me a credit card...
I'm a student. I was going to cut it in half and just bin it. I was wondering, would it improve my credit rating if I bought say one thing on it per month and then just paid it off straight away? Not necessarily a big thing. ATM I have a car parking fine which is £25, if I paid that with it and then just transfered the…
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A little help
hi there just registered, because i have a query unfortunatley at the beggining of this year february i was 17 and used to take out lots of credit cards and loans to pay for my car .. which i have now payed off fully .... i have also closed all my accounts so i no longer have credit ... however last week i was 18 ... and i…
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Tesco Clubcard Credit Card Interest
I have a Tesco credit card that I normally pay off in full each month. On May's statement I misread the balance and £43 was carried over as the starting balance on June's statement. Due a combination being away on holiday and thinking I'd paid it off in full, the minimum payment of £5 was collected on June's statement due…
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Halifax Credit Card Application
Hi I have just had a Halifax all in one credit card with 0% on purchases for the last 9 months. This card has now been cancelled due to the promotion on purchases running out. I have been informed by Halifax if I wanted to re-apply for one I should wait 30 days, as if I apply before this time my credit rating may be…
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Capital One...Sooooo RUDE!!
I had a letter from Cap One saying I was over my limit which I found odd as I pay more than the min amount each month and have not used the card in ages(it just has a £400 limit) I thought I had about £280 ish outstanding on it. So I went to log in to my account on line but seemed I had got my user name wrong so ended up…
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best way to clear/tidy my finances pls
Hi ya I'm trying to clear/tidy my debt and these care the cc i have mint - [EMAIL="£864.@£15.17"]£864.@£15.17[/EMAIL] interest marbles - £ 286 @7.00 interest Barclaycard - 6.3% for 3 years - £1191 @ 16.69 interest sonycard £1194 @ 23.96 interest citi - 4.9% life of balance £1398 @ 5.76 interest marks and spencer %1613…
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Section 75
Are there any situations that section 75 doesnt apply? the thing is my husband paid for something over the phone with his natwest credit card (after checking with them before to see if he would be covered if anything happened) and they have since disapperared (gone bankrupt) without us getting what he was hoping for and…
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Amex
I have an Amex and an A&L credit card which I don't use anymore. Do you think I should cancel them?
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Tesco Clubcard Credit Card
Hi everyone, Sorry if this all sounds stupid, but i got my first cc through the post, just a few questions before i activate it...:o Its 0% interest on Purchases for the first 12months. It says if you want to withdraw cash, you will pay a 3% fee but then it says you will immediately pay interest on it, but is that still…
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bank lost my payment
hi there just wondering if anyone had advice ltsb bank and lloyds tsb credit card my credit card was due on the 29th june i payed £100 on the 24th june. on the 7th july (thursday)i recivied a letter stating i had missed a payment. took both letter and branch stamped statement with me to bank and they told me they would…
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Argos card interest charges!!!!!!!
I purchased a hoover back in december using the argos card buy now pay later 6 months. Just had my july statement come through with £27.69p charges slapped on :eek: I have had no warning that the interest free was about to end (I was expecting a letter telling me) have phoned them & they say it would of been on my last…
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best cc with a reasonable credit score?
Hi all, I am wanting a cc to build up my credit score, as I am planning on buyiing a car in the next few months I would just buy normal items and pay off in full each month. I have a couple of catalogue accounts 400 and 250 credit limits, my own mobile, house phone and broadband in my own name (4 years), pay all my bills…
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Buying currency on a credit card
Does paying for foreign currency on a credit card count as cash advance or a purchase? Going to Mexico next month and whilst I'm not planning on taking a lot of cash, I wanted to take some for tips, etc. Are credit cards widely accepted in Mexico?
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Store Card from Hell - Help!
I am in urgent need of some advice please. I have had a Dorothy Perkins Store card for years now an whenever I purchase anything on it (which is hardly ever) I pay it off straight away. November 2008 I purchased some trousers for £25 and they said that if I paid on my store card I would get £5 off. When I gave them my…
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Lil' help - Abbey card & RMA
Hi, whilst on holiday last month I somehow missed a payment, when I received this months statement I have £1520 to pay, I then received a letter from RMA seeking payment of £25. now I've paid £1000 of the abbey card (and will shortly be moving the remaining balance) but my question is, do I have to make a £25 payment to…
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Egg relaunches cashback credit card
This is the discussion thread for the following MSE News Story: Egg relaunches cashback credit card
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Transfer or Purchase
Hello All. I have a really stupid question that I hope someone can help me with. I bought a sofa on a 0% for a year, which is due to run out soon. I want to put the debt onto a 0% credit card but unsure which to choose. Is it classed as a PURCHASE (As i will be paying for something over the phone) OR:confused: Is it…
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Bad credit!!
I have bad credit and cannot find a company to give me a credit card! How am I supposed to improve my credit when I can't get any. I have a car loan, which I have paid religiously for the past two years. My bad credit stemmed from two mobile phone contracts that were not paid, therefore I defaulted on these credit…
