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ID Fraud - How do i check if it has spread?
2 months ago my credit card co. phoned me about 2 suspicious transactions on my account. I confirmed they were fraudulent and new cards were issued. Today we got a letter saying that they were writing "to our old address" to confirm an address change. Of course we hadn't moved and I called them to warn them that someone…
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Two CIFAS records on my file but they're not in my name!
Mods, I'm sorry if I have posted this in the wrong place, if I have please feel free to move it. I wasn't sure which section I was supposed to post this in. I've been looking at my credit report on CallCredit and my previous address has two CIFAS records from someone who lived there before I did. Why is this showing up on…
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please help ..I lost all my saving.
I made a £2,000 transfer from my maestro card to my TD waterhouse share ISA account a week ago ,the payment has been taken out of my bank account and maestro has confirmed payment has gone through sucessfully but my broker is insisting that they have not received the money. No one is willing to take responsibility, my bank…
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Realistically,how far back do credit providers look?
Just curious really but I've got mixed results for applications recently.. My credit score through Annualcreditreport is less than I thought yet I applied for a Virgin CC at the best rate of 15 months @0% and had been accepted,have a guaranteed offer from Halifax on my current account of a CC of 12 months @0% on BT's /9…
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Halifax debt increased despite minimum payments
I don't understand what I've done wrong, whether it's me who ballsed up or the Halifax, but having been paying the monthly minimum by direct debit on all my credit cards (MBNA was getting a higher fixed payment because it's the highest APR), I've just discovered that the Halifax debt has increased. It's all been running…
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Mbna
I need help. I have a £3000 pound credit card limit with MBNA and I want to pay off the mony but the 100pounds I pay monthly doesnt seem to be paying off the main debt. I stopped using the card July 2008. How can I repay off the money quickly? My credit score is low at the moment so I cant transfer the balance to another…
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New Barclaycard 1% Cashback card
I was just about to log onto my Barclaycard account and noticed on the homepage that they have released a new card that pays 1% cashback on the first £2000 a year and 0.5% thereafter, up to £20,000 spend a year. This could actually work out better than the Egg Money World card as this one has no annual fee.:money:
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Any cards offering extended warranty?
A couple of years back I think the Nationwide was offering a 2 year warranty on any goods bought on their credit card, anybody know of any similar deals going around at the moment? Cheers!
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34.9% interest rate MBNA CC horror.....HELP needed!
Without going into the whole gorey story right now, I have an MBNA credit card with an approximate balance of £5,500 and have paid them £170 per month for the last two months and the overall balance owed has reduced by approximately £10 only! I called them earlier today to see what options (if any) are available to rectify…
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halifax BALANCE TRANSFER
phoned halifax to ask for a balance transfer onto my credit card, was shocked when they offered me £4500 to be transfered at 0% for 6 months with a 3%fee. :j As the card had expired they said they could instantly phone me back on the land line and complete the transfer as this was a loophole. completed transfer and waited…
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Barclaycard lowering minimum payments!
Both my OH and myself had letters from Barclaycard this morning saying that the minimum payments on our CCs would be reduced to the interest for next month plus £5. Now some people might think this is a good idea, but I am just surprised that in the current climate Barclaycard are doing this. Yes, if we reduce our payments…
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Using credit card as bank to avoid cash withdrawal charges abroad
My daughter is currently studying in Europe. A friend has said she heard of somebody who had loaded money on to a credit card (Nationwide I think, but can't be sure) and withdraws cash on it without charge because she is in credit. Is this possible? I used to use Asda's credit card purely for buying petrol, and used to…
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Credit card took too much
My closing balance on my credit card at the end of the last statement was 83.55, due to be taken in full from my current account on 4 September. On 1 September I transferred 26.00 from my savings directly to my credit card. This should have left 57.55 to pay from my current account. But on 4 September, they took 83.55.…
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Should I get a Propserity Card?
Hi, I'm new here; I don't have a very good credit history and I'm thinking about applying for a prepay card I'm looking at this prosperity card: prosperity-card dot com (it won't let me put a link) Does anyone think it's worth it? I'm unsuire if there's a catch thanks ~Parkour~
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Santander zero 3 week delay
Just called A&L after waiting 3 weeks from sending the "guaranteed acceptance" letter back to them. They had no record of me ever applying or having received the letter. I was told to re-apply through the internet. See what happens now as this isn't a "guaranteed" application. That's 3 weeks so far and counting.......
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Natwest cashback
Hi, I tried searching but there was no thread about it. Anybody remembers when the 2% cashback on the Natwest credit card ends? Was it August or are September purchases still valid?
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Entered into a payment agreement without knowing...
Heres an interesting one... I have entered into a payment agreement without knowing. I have a credit card that had £200 available. I used that £200, but the interest got added on the next day. pushing me over my credit limit.... My mistake. A few weeks later (at the end of the month) the company phoned me and said that my…
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I got declined for Vanquis
I mean whut? I've been on the electoral role since Sept last year and last time I checked my reports (about March) there was nothing adverse. I have 5 credit cards that I haven't missed a payment with for god knows how long. Do Vanquis not like you having other cards or something?
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When would I start paying interest..
I have a card with zero balance and the interest free period ends on the 27/9/09. I might need to use it before then (kind of emergency) if I can't find the actual cash. The interest free period is 60 days, so is it the 60 days after the introductory period ends or after the transaction is made.
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credit card 12 month interest free.. help
i have a bill ( 1200 ) to be paid soon i have nearly all in cash, i have received a invite for 12 months interest free... balance transfer by the ...14th September...by one credit card i have... if i quickly pay for it on other card ..which is high interestish....do i have time to do the transfer ?? to get the better rate…
