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Reduced Full & Final Settlement
Hi All, Hoping someone can help me on my first visit to this site. I have a credit card with a £2000 balance. I have a lump sum coming to me off about £1500-1600 next week. My question is would there be any siuation where my credit card company would possibly accept a reduced amount for settling a balance in full? My…
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Barclaycard Goldfish Reward Points
To claim a £30 shopping voucher there needs to be a spend of £100 a month for the first three months. Does the clock start ticking from the date of the card issue, the first purchase or do Barclaycard use calendar months?
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transferring money from credit card - fees
other than the chance of a friend buying something valuable and me asking them if they mind putting it on my card and giving me the cash (done it before my mates are easy going!), is there any way of transferring money from a CC to bank without incurring a fee? i really only want to put some money into my betfair account…
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Direct debit on a zero balance
Hi all first time poster long time reader! Heres my story! I have a student account with an overdraft with RBS. I also have a credit card with RBS. On the 1st sept I paid off a balance of £240 on the credit card - so my balance was then zero. 2 and a half weeks later, RBS decided to take the minimum £5 payment through a…
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credit card elimination....is this true?
I have had several phone calls to say a company called parklaneservice can eliminate my egg account balance due to it being over 5 years old and having no signed paperwork - at a fee (!) which i put on my egg card - any advice please?
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Barclaycard Cheques
Have been sent some Barclaycard cheques at 0% till March 2010 at a 2.5% fee and wanted to be absolutely clear on my terms, have now phoned Barclaycard twice and not feeling totally at ease with my answers so has anyone got any experience of them, I have been told by Barclaycard* I can pay into my Current Account, merchants…
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Declined - why, and what now?
I applied for a Barclays credit card in January and got declined. I've just had a look at my file on creditexpert and can't see any nasties. This is what it looks like at the moment... There are two searches showing up, both in January. I have a credit card with £1000 limit, only using £34 at the mo - however when I…
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Mint
I have a mint card, just been on to online mint homepage to see what BT offers there might be, there weren't any that I could find but also there is a notice on homepage stating mint aren't accepting new cared applications at the moment ditto loan and insurance applications. Has anyone heard on the grapevine why this might…
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clear your credit cards with Churchill Credit Clear
Hi i have been approached by Churchill Credit Clear who say that they can clear off my credit card debt and get me money back for interest from the credit card companies if my cards were taken out before April 07 there is a fee and they take 10% on off the money you get back after your debt is clear is this too good to be…
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Credit Card Company will not send statement out?
Hi I wondered if anyone can help or has had a similar problem to what I am having. I made a £8k purchase on my credit card in June at the time I had to register my card as I had not used it since receiving it, their systems were down so I had to call back the next day which I did & all was okay & I made my purchase. A week…
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Large Positive CC Balance
Hi, apologies if this has been asked before: suppose I have an old CC with a clear balance & a new CC which offers 16m interest free for balance transfers (in the first 3m). Could I BT say £10K onto the old card thus giving me effectively 16m interest free for new purchases? Cheers, Chrisall
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I think I have done quite well considering...
I have 4 defaults from 2006 (All due to drop of in 2012), and a Arrangement to Pay which will be paid off this month, because of this I never got anything, yet in the last year I have got.......... Aqua card starting limit £900 now £1200 Vanquis Card starting limit £250 now £1500 Capital One card starting limit £500 now…
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MBNA Repayment missed on 0% deal
hello I have just realised that I should have paid the month payment on my MBNA balance 2 days ago. I have just paid it now. I currently have a 0% deal with thm until March. Will they now cancel that deal and put me onto the standard rate? Thanks in advance
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any know how to repiar or build up a credit rating via pre paid cards?
Just wondering what card allowed you to build up or repair your credit rating, i think remember something about £5 a month for 12 months which gave you a good credit rating, it was a pre paid credit card or something.
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Halifax agreement prepaid envelope
Halifax have sent my agreement for me to sign and date. However the envelope has the address: New Business PO Box 17315 Edinburgh EH12 1AX That first line seems a bit odd to me. Anyone know if it'll still get there?
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Rotten Eggs Incompetence rides again
Well I posted last christmas when Egg handed my Egg Money account to 'collections specialists' within the company for going overlimit on the account by £20 in the run up to christmas, I immediately paid it back the very same day the overlimit occured (obviously 3 - 5 days clearing time) and in that period they were…
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card not renewed
I have an egg world card that has a low balance and a low limit i use it for everyday items i'm not that bothered about loosing it and i'm sure its because i'm not making them enough money through interest lol but i wonder if i'm still allowed to use it till the expiry date ? thanks
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increasing credit card limit?
hi guys, i have a halifax cashback card (only 1%) and my limit it currently £500. this is ok most of the time but i spend a lot on travel and would like to get the cashback on this. I've had the card since may. i would like to know if and when i should try to increase the limit or if it would be better just to leave as it.…
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Overlimit Charge - Egg - Will it be recorded on credit file?
I have an Egg card with a limit of £500. I went over this limit the day before my full balance was paid off last month. I went over by about £25. They have agreed to refund the £16 fee for going 'overlimit' due to my good history and the fact that I always pay off full balance. My only concern now is; will this be recorded…
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Need Help to Pay Off Credit Cards!
Am currently remortgaging and tried to get additional borrowing of £12k to consolidate credit card debts. The mortgage is fine but the additional borrowing was refused although I have plenty of equity in the property and have been with lender for years! Desperate to pay off the credit cards but just can't do it - was…
