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on-line transactions being declined for no reason
Ceratian websites (including First Great Western, Virgin Rail, the Royal Opera House, The Albert Hall) have been declining on-line transactions from any card registered at my address. This affects 4 family members with 6 separate cards from 4 different financial institutions. None of financial institutions or on-line…
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can i move existing cc debt to a balance transfer with same company
Got various debts on various cars wondering if possible to ask an existing lender eg EGG if they would consider letting me have a balance for life rate do any of them offer this
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Vanquis Bank - Intrest Charges - Please HELP
Can anyone advise me what to do please??? I had a massive balance on my Vanquis Visa card of £2141.35 which I paid in full by making two payments one on the 20th July and the other on Aug 3rd, which then made the balance zero. On the 15th Aug I received a statement charging me £68.65 intrest which they added to my account…
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0% deal or loan???????
Hi everybody, new to the forum and am looking to buy a car. I'm 19 on 5th Oct and am looking for maybe a 12 month interest free card with a £1500 limit to pay for it. Started a job 2 months ago and earn just over £800 after deductions and only have my phone contract and board (£75 pcm combined), was a student before this.…
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MBNA Trafford Centre gift card
Hi Im not sure if this is in the right place but here goes. I was given an MBNA trafford centre gift card with a visa logo in Feb 08 with a total of £80 on it. I have kept the card safe till I had reason to spend the money. I tried to use the card last night but was avised the card was out of date. There is an expiry date…
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Lowered credit limit
Hi, I received a letter from Barclaycard stating they were going to lower my credit from £9000 to £2300, now whilst I dont have too much of a problem with this I do think it a bit much as I was keeping it as my emergency card/blanace transfers, the way the letter was worded it was like I had done something wrong and would…
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Should I complain?
Hiya, My husband has a credit card which we have gone over on (I know!). The company has been trying to get hold of him at our home address on the phone. The first call came in at 8.15am this morning, in which I told the guy that my husband was in work all day. Then another call came in around half twelve (it was the…
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write off credit card debt
Does April 2007 mean anything to anyone re credit card agreements. I have signed up with a company call Cartel who say any credit card taken out before April 2007 can be wiped off as the agreement is unenforceable. As it is costing me £495 up front then, if successful 30% of the amount that is wiped off I wonder if Martin…
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CC for Abroad
Hi, Going to Australia in November and looking to take a credit card? You see adverts all the time for Mastercard etc being accepted all over the world so does it make more safe to use it on holiday rather than taking masses of cash? Which card is best? Most dont see to mention withdrawals abroad on the search engines!
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which credit card should i pay off and should i keep it for emergencies
i have 3 credit cards and have 2000 given to me and i was going to use it to pay some of them off. i have a Capital one card with 550.83 on it at 34.9% a Virgin card with 2267.12 on it at 16.6% and finally a citi card with 198.75 on it at 15.7% i was thinking of paying off the citi card and the capital one card and getting…
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PayPal top-up credit card theft by RBS
In a follow up of my problems with the PayPal credit card that is run by RBS (Royal Bank of Scotland) I would like to share how you can complain about the 'theft' of your money by the banks. You might be aware from my other threads that RBS and PayPal combined have frozen my PayPal top-up card and 'stolen' the money even…
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First Credit Card
Hello All, I am looking to get my first credit card soon. I have graduated from Uni and have been in my first full time job for over a year now (started repaying the student loan, to boot) and have begun re-paying my student loan. The credit card i have in mind is the Santander Zero, as i travel abroad semi-regularly. I…
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Questions re Full and Final Payments - Natwest Credit Card
Hi all, I am trying so hard to save every penny, earn as much as I can to clear my Natwest Credit card (highest interest rate). I think I may be better saving the extra money in a seperate account and then offereing them a full and final offer payment? My questions are:* Does a full and final payment affect your credit…
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Credit Card Fraud
My brother lives in Seoul. He booked a holiday to Vietnam about 2 months ago using my mums cc However someone else also used the card to book flights to china. I contacted the travel agency that was used to book the Chinese flights and they provided the names of the two people who booked the flights. (by the time the cc…
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claiming bank charges on closed accounts
Does anyone know how you go about claiming back bank charges on closed bank accounts or closed credit cards?!!as i got loads of charges when i was a studnet but no longer have these accounts?!!! ta x
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interest on closed account
I have a card with Barclaycard which they closed without my knowledge last April, I have carried on paying the minimum amount for the last 18 months but have been told that they shouldn't be charging interest, could someone tell me if this is correct.
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Help - worried!!!
OH has just taken out a BT credit card to take advantage of the 0% balance transfer rate. We transfered my balance from my Debenhams credit card but it isn't showing up properly. Basically it is showing up on the BT card but the Debenhams card is still showing the amount too. I've phoned Debanhams and they said it can…
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Abbey Zero charged Euro payment in £?
Hi, I've made a couple of bookings for hostels in Turkey in the last week, both of which were charged (according to the website and my email confirmation) in Euro. However, checking my online statement it seems to have classed it as a domestic payment charged in GBP: 14-Sep-2009 PURCHASE - DOMESTIC , HOSTELBOOKERS.COM ,…
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Improving my credit rating
Hi I have just been accepted for a Halifax 0% credit card (although havent yet been told my limit or whether they will cover the entire balance transfer from my old card). When my old card balance is paid off, do i keep the card and use it for say £50 of purchases each month which will be paid off in full each month or do…
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Vanquis Annual Fee
I first became a Vanquis customer several years ago, when there was an annual fee of £25 for the card. Nowadays I'm not overly haappy at paying this, as the card is now free to newer customers. Does anyone think a letter to their customer services dept will get the fee removed?
