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Alliance & Leicester Interest Charges
I've been using an A&L credit card for the past few months and have paid off my balance in full each month prior to the due date. This month I appear to have interest charges on my statement, and am confused as to what these apply to. I've never known a card issuer to charge interest when the balance is cleared in full?…
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capital one paying something back shock !
late last year probably about november my capital one was charged an anual fee for owning the card they didn't inform me and just made a payment on the cc. To be honest i didn't notice i don't use the cc that often the interest rate on it is about 22% :eek: 10 months on i get a letter saying they are refunding the charge…
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Flight paid for on my Credit Card for Parents but unable to take flight
Hi I booked 2 flights for my parents with Easyjet, total £182. I booked it on my credit card. I didn't book insurance for them because being in their 60s they have preexisting conditions which would have invalidated the insurance anyway. My dad was rushed into hospital a month before they were due to fly (nothing to do…
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credit card interest!
i owed £1200 on my card, (mbna). i paid it off in full but have been charged interest. when i rang to query it, i was told that as i had been paying the minimum amount in the past, i now need 2 monthly payments in full before i pay no interest - is that right? i'm confused, i thought if you cleared your balance, you didnt…
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Electoral roll affecting my credit (mispelt name)
Hey I am asking this for my friend. (Not sure if this should be here?):confused: She tried to change utility supplies and had a credit check done and failed. So she decided to sign up with (who they check with) which was experian. The credit report showed "fair", she decided to phone them up and they said that her name on…
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paying credit card bill in branch?
my friend owes me some money which i've got on a 0% credit card , i am insisting he at least pays the minimum payments that are due. i would rather him do this direct rather than through me as we live in different towns. my c/c statement has a slip at the bottom with RBS on it along with m name and card number (16 digit)…
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Help please, they are taking me to court for order of sale on my house
Hello everyone, this is my first post, but I have been reading these forums for a while. Situation as follows RBS Mastercard, taken out sometime in 1994 CCJ for default dated 1 February 2007 charging order on house created 26 March 2007 Court Date for order for sale hearing has been set for 10 November 2009. Balance due…
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Credit card Debt how to clear???
I have 3 credit cards Egg: £4,749.46 rate 16.9% (fix payment of £135) Virgin card: £500 rate 2.52% (Minimum Payment each month) Baclaycard £4000 rate 1.5% (Minimum payment each month) I would like to pay these off ASAP but am unsure of the best way to go? Should i pay the smallest debt first and then pay the extra towards…
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Does refund count as payment?
Our credit card is paid off in full every month. This month, I've bought a number of items which are being returned (curtains - trying to match colours etc!). They will be returned after the statement has been generated. What I'm wondering is, if the CR will cover the original charge or do I need to pay the full amount…
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Legal Statutes/Obligations to notify change of Credit terms in writing through Post
Hello I've recently had my egg CC rate increased there was a previous rate increase and had not looked at the email until now by looking carefully through my emails. I have over 2000 emails in my account and a very large volume of Spam. Is there any legal requirements you can think of to help me make my complaint that they…
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List of Credit Card Issuers?
Hi, Is there a list somewhere that shows which credit cards are issued by the various companies? For example, MBNA issues Virgin credit cards so it would be useful if I could find somewhere that shows what other cards are issued by MBNA. This would be helpful for finding the right balance transfer card. Thanks! Sh-pickles
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MBNA 1.9% for 12 months NO FEE: Transfer question
My wife is thinking of applying for the above card whish I understand is run by MBNA. If she goes ahead I would like to transfer money from a credit card of mine (A&L - run also run by MBNA) to this new one of hers (MBNA 1.9% for 12 months NO FEE). Grateful if anyone can say if this is allowed or not. Thanks
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0% Credit cards to buy used car?
Hello, I'm wondering what are people's general opinions are on using 0% credit cards to finance a used car. I'm very organised with money and keeping up with payments etc so that area will not be a problem but I am looking to repay the full amount in 48 months so will most probably need to transfer to a new 0% card at…
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Credit Cards and no work
Hi, My dad is a self employeed plumber who is struggling for work at the moment due to the economy. He is having trouble paying he's credit cards at the moment and I was wondering if there was any kind of scheme that could help out. Sorry if I am repeating someting, but if anyone could point me in the right, that would be…
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Easiest card to get?
Morning. We are looking for the easiest credit card to get, as my fiancee has basically no credit record having only moved to the UK from Ireland a year ago. We are wanting to buy a house in a year - 18 months, and he is on the electoral roll, so we figured the next thing to do was get a credit card. Don't care about the…
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Credit card/store card of some sort before christmas??
A couple of months ago I failed to get a loan from my bank, I failed to also get a credit card. I was very new to this, and after doing my research realised the factors as to why I had been refused. For a start, at the moment I am not on the electoral roll (doh!), and the last address for me on it is a few years ago still…
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Credit Report - Credit Card Company
Hi. I have a subscription to creditexpert and keep an eye on my credit report at all times. I have managed to get a credit card of mine to half the balance of what it was previously. However, it has been over two months now and i notice that on my credit report the amount outstanding has still not been updated. It was last…
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Stupid (probably) Credit Card Question!!
I received my shiny new credit card last week and have bought a couple of little things on it, I want to pay off in full so I don't get charged any interest. To do this do I need to pay it before the statement comes? If I wait for the statement will there be interest added or do you get a certain amount of time to pay…
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Sky card rewards?
Anyone know what Sky points can be redeemed for? I've got about 1600 and I know they need using by mid October, but I can never get onto their site to see what I can do with them?
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calder Financial (very strange)
Just had a call from Calder re my Barclaycard debt, they say they are going to sell the debt to a door step collection agency. The girl on the phone started to get shirty when I said door step people had no authority and they couldn't enter my land without auothrity. Then she got even shirtier when I said can you tell me…
