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Abbey 0 Credit card
Hi there, I have not posted for a while and I am pretty good with my money and always trying to get the most for the kleast... as I am sure many here do. I wonder if one of the more experienced/knowledgable members could assist me with this one. My friend is going abroad and he has an Abbey 0 card with a zero balance. I…
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Non-Use Fee AMEX PLAT
I notice that Amex Paltimnum Credit card gets a lot of good press on this site as a card to switch to. I switched to it a few years ago with a balance transfer and used it as a card for business travel etc. Over the last few years I stopped using it and used the minimum payement facility to pay off the debt - I…
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Help ! I cant Pay Credit cards anymore
I need some advice on what to do. I have £6300 Barclaycard £4500 Post office I cant make the minimum payments anymore due to work problems. Shall i write to them and ask for help ? I need some urgent advice please...
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credit card help
me and my fiance are going on honeymoon to las vegas in just under 3 weeks. neither one of us have a credit card so a couple of months ago we applied for a santander zero card we waited ages for a reply eventually we phoned them to see what was happening and found out we have been declined, we sent a letter of appeal and…
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Hit by unexpected interest
Just looking for some advice, but I think I know the answer already. We use our Tesco credit card for all our shopping, as we get the points for shopping at Tesco and points for using the card. Every month we pay the full balance of the card so we never pay interest. For the last 5 years the bill is always due on the same…
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Barclaycard
Why do i keep getting automated calls from companies interested in credit cards taken out in 2007, and also the very credit card company wants to limit my credit each time I pay more off ?
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cash advance interest & payment allocations
i have an egg credit card.... two interest charges (1) = card payments and (2) cash withdrawal charges CASH advance charges are 35% BUT when making a payment to the credit cad company, they allocate the payment ONLY to the card purchase balance first which is something of 3%... IF i paid alot more off, still only to the…
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Verified by Visa A total joke
I am on a rant with this tonight. I am fed up of getting online transactions declined by Nationwide, when the company also uses verified by visa. As this system virtually GUARANTEES its me using my own card, coupled with all the details are in my name and address, there is no reason for my transactions to be declined. I do…
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Think I'm about to go bankrupt...please help:(
Hi All, I'm afraid I'm in a bit of a jam. Over my short 26 years I've managed to rack up over 15000 grand's worth of debt, all on credit cards. Having turned the corner of unresponsible spending, I now don't know where to turn. I have been transfering balances every which way to stay on 0% APR's for years and with the…
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Cards being declined
I work for a large electrical retailer and banks will often decline our customers' payments until they speak to the customer to verify it is not a fraudulent order. Electrical retailers are one the fraudsters' main targets, which is why they do this. Sometimes they deny blocking the payment & the customer cannot make the…
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Virgin 0% balance transfer was it worth it?
Last year I applied for and got a Virgin 0% balance transfer credit card and transferred a balance from another card that I had used to pay for my holiday. I had the money in my savings account to pay the bill but thought what the heck I can make some money on this. So instead of taking the money from my savings I…
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Credit card cheques
Barclaycard have sent me a credit card cheque for a 0% BT until March '10. The enclosed leaflet says about using the cheque to pay off other loans or credit cards. Am I right in saying that I could write the cheque out to myself and pay it into my overdraft to transfer that balance? Sorry if this is a silly question but…
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Can opt-out be backdated?
Last week I received an email from EGG increasing my APR from 21.9% to 25.9% (along with thousands of others, it would appear) I exercised my right to opt-out and this has been accepted by EGG I then found out that they had increased by APR back in March 2009 from 17.9% to 21.9%. I asked EGG to opt me out at the lower rate…
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Oh nooooooo!!! Silly mistake
Hey peeps, I've just logged into my bank account to transfer money across to my bill payment account for a direct debit I thought was coming out tomorrow. Shock, horror, it actually came out yesterday :eek:!!!! Lloyds have paid it but this has made me £30 overdrawn. Now I've put the money across now so I'm all square again…
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Flybe offers help
Can someone tell me if I could do either of these offers? Been offered 0% interest on BT for 6 months or 7.9% pa interest for LOB.Thing is I already have a purchase balance on the card...so do I need to clear the purchase's balance before taking up one of these offers? Could I BT what's on there now and then do a BT back…
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Claim to wipe out credit card debts
I have a company phoning me claiming to be authorised by the Ministry of Justice who say that many credit card agreements taken out before 06/04/07 are unenforceable and for a fee (which they say can go on the credit card) they will take over the debt and challenge the right to recover payment in the court. They say this…
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Suggestions please? Because I could do with some!
Okaaaay. Newbie here - so apologies if I leave out anything I should include. Basically - got a Halifax mastercard with just over £10,000 on it. The interest on the various purchases/cash/cheques is really not helping me pay it off. I've never done a balance transfer. Never applied for another card. And honestly? I have no…
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Interest on cash from credit card
My husband mistakenly withdrew £100 cash using his credit card,not debit card, on 29 July and was charged £2.50 handling fee as well as £1.04 on interest on the cash balance on 14 August. The credit card was paid off in full on 8 September. However the new statement today which goes up to 14 Sept and will be due on 9…
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Credit Cards paid off: do I keep the credit or cancel?
Dear all Thank you in advance for your knowledge and advice! I have just paid off all of my credit cards. I have £1500 on one and £500 on the other. I really really really don't want to touch them ever again but I understand that it's good to have credit? What should I do with these cards? Do I cancel the accounts or use…
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Please help, advice needed!
I just got home from the school run this afternoon and the phone was ringing.... I answered it and it was a recorded message stating that I was being offered a great rate for my mastercard or visa - possibly as low as 6.9% on the existing balance and to speak to a member of the customer service team press 6 (it had not…
