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Advice on a situation with Lloyds
Hi I have a Lloyds TSB advance Mastercard with a balance of £12200 and I'm slightly in arrears. I have recenty come in to a bit of money - £11500 and contacted the collections department to see if they would accept my offer. After speaking to her manager she said yes they would accept that as settlement, she would make…
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Ikea home card
Hi I am hoping someone can offer some advice I applied last week for the Ikea home card financed by Ikanno and after submitting the application it came back with this message... "Thank you for your Ikea Home Card application. It appears that we have already processed an application for you in the past. Therefore we cannot…
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Does cancelling a CC affect my credit rating?
Hi Just had a letter from HSBC saying that as I haven't used my credit card in the past 12 months they will cancel the card in 30 days unless I advise them otherwise. I am quite happy for them to cancel it, but... if they cancel it will it affect my credit rating in a negative way? (I have no debts on the credit card.)…
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some advice please
Hello just wanted to know if anyone can give me a little advice :) I have one cc in my name for about £2500 and i want to see if i can get it onto a 0% card. I tried to apply about 6mths ago for a new card (egg) and was refused :( so i didnt want to also apply for some more (my dh has also applied for one from mbna and has…
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have you seen this?
http://www.youtube.com/watch?v=jGC1mCS4OVo&feature=related so there!!!ha well done ann, who else will join her?:D
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Amex Platinum Cashback Credit Card
Hello Is the Amex cashback cc the best at the moment. it says on mrtis email that you can get 5% cashback. We will be making a larhe purchase very soon of about 8k for a new kitchen. so want the best cc. We currently have a Cap 1 card and spend about 2k on it a month, we pay it back in full each month. Anyone have any…
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holiday credit cards
Hi can anyone answer if there is a credit card which does not incur any charges when used in the usa. help
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Bmi baby
Looking for advice . BMI Baby cancelled a flight I had booked at the end of August . I have followed the advice on the website and written to Customer Services to ask for a refund . This I have done on 3 separate occasions ,each time enclosing a print out of the relevant documentation ; as yet I have not received even an…
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Purchase Protection on Credit Card
Hi I was wondering if all credit cards include purchase protection, (tesco specifically). Also it appears the terms and conditions usually state 'if item is not insured elsewhere'. Does this apply if your item value is less than your household insurance excess? Thanks.
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Credit Card debt Advice needed please!
HI I am not sure if this is the right thread, so I apologise if it isnt. My wife and I are going to divorce and she has aproximatley £25k on 4 credit cards. She has been advised that we are jointly liable for this debt. The four card agreements are in her name only and I have never been an additional card holder. Is this…
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Missing credit card statement hassles
Hi, I'm new to the forum, and am looking for some words of wisdom. I did not recieve my Credit Card statement this month & consequently missed my payment date & have incurred a late payment fee (£12). I have checked back & found that a refund which totalled more than the minimum payment amount was made to my card prior to…
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Newbie Credit Card balance advice please! :)
Hi there! I am new to the forum and would really really appreciate some advice and help here cos it's doing my nut in! Basically, I've been paying interest on my credit card much longer than I care to remember but now that I am back in the world of employment after a depressing time of redundancy, I am determined to sort…
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Debit Card Consumer Rights
Hi, I have recently made a payment to an online company that I now suspect maybe fraudulent; I visited my Bank and have been told that because I made the payment by Debit Card rather than Credit Card I have no protection. Is this true??? Having checked out the company now, it appears they are a registered company but since…
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Halifax Credit Card
Hi, Any idea how is it taking Haliffax issue a card on new account? I have applied for an Halifax One Card on 08/09 and it was accepted online. I received the documents to sign on 11/09. Posted on 12/09. Its over a week now stil haven't heard anything/ I have a Current with them aswel and I though Credit Card will…
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List of linked banks
Couldn't see where to post this . Just wanted to say that grateful as I am to Martin for all his help, I was disappointed to find that the list of savings institutions ( very useful) is totally out of date. Ice Save and Kaupthing are still on it and no mention of Capital one being linked to theSkipton and these are just…
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National Advertising Center
Hello my name is Alice and I know what its like not having a job and having to rely on your credit cards just to get you threw the basic needs of life such as your bills. But since I have been with the money saving expert i have learned how to manage my accounts and not pile it up on my credit cards. Thanks, National…
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Amex 'Household Income'
Hello, my OH would like to apply for an Amex credit card, and the application process asks me for our household income, which must be above 30K. My OH is a contractor who operates via a limited company he directs. He has a small fixed salary (16K) and then draws dividends whenever possible. If you consider the dividends,…
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Egg Anniversary Offer
Hi, I've had my Egg card for 11 months now and was hoping to do this offer. From what I read on their website I will have to wait until Oct 2010 to get 0% on a balance transfer and then it will be available again in 2011. Is this correct. It means that I will have had the card for 2 years before I can exploit this offer.
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Help, urgent!
To cut a long story short for the last year I've been trying to set up a payment plan with my bank for my credit card after I lost my job. Several times they have told me that the amount I requested to pay back was too much(!) didnt set up my direct debit or failed to send me any paperwork. Today I recieved a letter from a…
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credit card refused
Hello All, I have applied for a credit card with egg and been refused, i was half expecting it as i have 2 existing cards already, but i wanted to do a 0% balance transfer as i owe a couple of K on one of them. I am nowhere near the available limit of this card but i am paying interest monthly, so thought it would be a…
