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Interest on a cleared card
Hi wonder if anyone can advise me, I cleared off my credit card balance on my virgin card but this month I have received a statement with an interest charge and payment protection charge but surely this can't be right when my balance was paid off?
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Capital One - Is it likely?
I have a poor credit history but a reasonable salary - £21,000 for part-time work and OH's salary is £35K. I would like a credit card - not to build up debt but for use now and again when booking trips etc with the intention of paying them off straight away. I have applied for Capital One Classic today. I thought they…
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Cpp payment on closed credit card account
I had a call from Homebase, telling me that I owe money on a credit card I no longer have. The charge was from CPP, when the card was taken out the insurance was part of the package. The card was paid of in full and the account was closed down March 2009 and the card destroyed, or so I thought. BEWARE, CPP have the right…
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Barclaycard dilemma
Hi Just have a couple of questions, I recieved a text today to say that my account this months payment is overdue, I phoned them and explained that I had recieved no e statement or paper statement, And before you say about DD I know I had my first one to start up on the 7th October. I called Barclaycard striaght away and…
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overdraft affecting credit limit?
I am planning for a 3 month trip to the USA and wanted to increase the limit on my Halifax credit card as I will be paying for absolutely everything on it while I am away. I rang card services and was told I had access to too much credit and they couldn't increase it. My current credit limit is only £350, and has been at…
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Credit history/credit score building - additional card holder?
Hi, My fiancee tried several times over last 2 years to get any credit card or buy something for credit, but she was declined. Recently it was TV set for about £500 in Comet (GE Money is suppling credits for them). Previously it was Barclaycard Initial, where she was with Barclays for over 4 years etc. We checked Equifax…
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Virgin apart,any other good BT to current account deals?
Looking for a short term loan,but think a better bet might be a CC with a good deal on BT's to current accounts. Any ideas please on any others apart from Virgin that do this as I already hold this card..? Thanks as usual F
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Capital One
Hey, I have just come off the phone to Capital One, I asked if they could send me all my monthly statements from start to finish while my account was activated. They said I would have to pay £10 for them to be able to send the documentation to me. Are they allowed to do this? Is there anyone I can get my statements for…
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Paying credit cards when unemployed
Apologies if this has been discussed previously but i have just registered today. I wonder if anyone can inform me of any legislation that requires Credit Card companies to assist individuals who cannot afford to make payments due to redundancy or unemployment. I have been paying 2 credit cards from my redundancy money for…
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MBNA Balance Transfer Deals
Hi I have a MBNA card with a zero balance. A few k's worth of debt on other cards about that would be nice to transfer across. Anybody getting any good deals out of them at the moment? I hear a lot of talk about cranking the interest rate right up but none of any deals..... Ideally I'd like a % for the life of the balance…
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Vanquis not receiving statements
Hi all, sorry if I should have included this in the Vanquis thread? Has anyone had trouble not getting their statements from Vanquis? I never received my August one at all!! and the Septmember one was posted 5 days ago supposedly!!! I know that there are postal probs but this wouldn't affect August Statement. Thanks.
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Barclaycard reduced my credit limit by 93% - has this happenned to anyone else?
Last month my credit limit was reduced from £3565 to £260. It was reduced on the 30th July - I became aware of the reduction on the 3rd August when I logged on to my barclaycard online service. I thought it was a mistake! The letter informing me of the change in my limit was dated the 30th July but it did not get into my…
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Direct Debit and the due date....
I've set up a DD to make the min payment on my CC and it is due to go out on or after the 3rd October but the due date is the 3rd. I don't want it to go out late and having the late payment fee and losing my interest free period, it was the whole reason that I set up a DD. I didn't set the date they did but can I phone up…
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Cheers Halifax
Logged onto my bank account this morning to find a 100% guaranteed credit card offer. So applied and got a £900 limit and 9 months at 0%. Just what I needed as my Flybe card goes up to 24.9% in December. Thats card number 6, for the record. :beer:
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MBNA settlement
I have a debt with MBNA on a credit card the total debt is £3966.39 and I have just spoken with them and they have told me that I can have a reduced settlement on the card for £1550-00. Has anyone else done this and settled for the reduced fee and did they get any problems afterwards with them coming after the rest of the…
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MBNA settlement
I have a debt with MBNA on a credit card the total debt is £3966.39 and I have just spoken with them and they have told me that I can have a reduced settlement on the card for £1550-00. Has anyone else done this and settled for the reduced fee and did they get any problems afterwards with them coming after the rest of the…
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Better protection for travel if paying by card?
I believe it used to be the case that if you paid for large items like holidays, with a credit card, there was better protection if the travel company went into liquidation, than when using other payments methods. Is this still the case? thanks for any info
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AMEX Platinum cashback card help please
Hello all, I applied for AMEX cashback credit card this Feb since they have the 5% cashback for the first 3 months. I have not used this card since May. I heard AMEX now introduced a annual fee for £20 for inactive accounts and increased the threshold for cashback payout? I currently have just £30 cashback on the card…
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Part Settlement
I've offered an amount to my credit card as a reduced settlement they've taken my details and have said they will get back to me it's about 60% of the balance do u think they will accept this and what do they mean when they say it will show as part settled on my credit file? I'm guessing it's going to be bad?:confused:
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Every Little Helps Tesco
Sorry for possibly repeating common knowledge but Tesco's new min payments are the greater of: All interest and fees plus £10 or 2% (was 3%). Thanks a lot Tezza.
