-
Do Card Providers really dislike the self employed?
My g/f is a full time carer for her mother but her main income comes from selling stuff online. She wants to apply for a credit card but has been told that card providers take a dim view of self employed applicants. What she receives (in benefits) as a carer is dismally low so she can hardly put that down as her main…
-
Vanquis Not Responding
I wrote to Vanquis 6 weeks ago regarding a defaulted account I have with them. (stupidly I know, im better at present at managing my finances!!!) The balance is still outstanding at approx £1100 I offered £300 in return for the default removed and the account settled in full as per instruction on here, from another MSE…
-
Clydesdale Mastercard -Prepayment with discounts!
Has anyone signed up for this one yet? It has an annual fee of £14.99 (free if you sign up in October) and it is a pre-payment card. However, there are discounts with lots of retailers on any purchases you make with them. Eg. Asda = 4.5%/ 5% = Sainsburys etc. It is called a "Lifestyle Spree-Plus card". Is it too good to be…
-
MINT - Should I be worried?
Logged onto the MINT website today and came across the following statement on their credit card page - "We're sorry, MINT are not currently accepting new Card applications" Should I be worried? Is there something going on with MINT?
-
Free Paypal Pre-Paid Card
I got an email offering me a free on today so I thought I would share the promo code so peope don't pay the setup fee. Handy if you connect it to your paypal as you can transfer profits to your card to spend. Just enter this promo code TUCOCT09 and the setup fee is wavied. offer ends 11 Novemeber 09.:money:
-
MSE News: Warning over new card fraud scam
This is the discussion thread for the following MSE News Story: "Consumers have been warned to be vigilant following a 250% jump in the number of people tricked into handing over their card details and pin to fraudsters ..." Read the full story: Warning over new card fraud scam
-
Taking Barclaycard out of AP
Hi all! Just wondering... ... It's come to the time where mother has to remortgage, she is only looking for 45% LTV so should get a great rate. The only default she only ever got in her life has dropped off her report last week, so her credit is looking absolutely fantastic - she's not missed a single payment in the last…
-
Father very ill need to send letter to card company.
Hi, I was wondering if there is any template letter that I could send to the credit card companies asking them to reduce payments etc on behalf of my 80 year old father?. Up untill a 2004 he was an active pensioner working part time, but now can't because of Cancer and 3 strokes. I'm looking for them to at least suspend…
-
Denied by Tesco - Why oh why?
First post on here, first I'd like to say this site is great, so glad I found it. Searched through the forums, found lots of solid information to get me started in my Tesco issue - now i'm stuck. My question: I applied for a new Tesco card on Monday and I got denied. I tried calling them and not surprisingly they said they…
-
MBNA help please
hi everyone could anyone tell me if it is legal for mbna to ask for my partner's income and expenditure and ask a lot of questions about him when i am the one who has a debt with them? i've sent countless letters to them since march and provided them with all they asked! but they are only replying now and asking for my…
-
Vanquis Best way to run account
I have recently been accepted for a Vanquis card and am looking to improve my credit rating. In time i'm looking for the Vanquis credit limit to rise and eventually open an account with a mainstream lender. What would be better to help with credit limit increases 1) Pay the balance off in full each month. 2) or leave a…
-
First ever credit card. Help!
Dear All I am planning to get my first credit card. I'm 24 and have always resisted credit cards before as I was worried about over-spending. I am an avid moneysavingexpert fan and it has helped me to sort out my savings accounts. I'm now financially comfortable, with savings and no debt (except the usual student debt). I…
-
Capital One... Can you beleive this....
Hi All, Took out a Capital One credit card about 4 years ago, with the aim of "rebuilding" my credit after it all went very wrong for me about 6 years ago... Anyway... the main reason I took it out was as above.. limit was £200.00, which they promised to review, but as of now, it's still @ £200.00.. Anyway, my credit score…
-
Please Help......
Hi, not sure if this thread is in the right place.... Brief story: but anyway, I brought a vehicle on in april, rang the finance company to make sure the finance was settled, the finance company response was this was settled 5 wks prior by clients boyfriend. This I thought gave me the green light to buy the car. Brought…
-
Credit searches
Hi Just wanted to check something out with people please. I understand that there are different types of credit search. I can see that each time I request my credit report myself it creates a footprint. When applying for credit do these requests get included in the number of searches that a company sees or are they…
-
Barclaycard Tease!!
Hello all, my first post here as I'm fuming! Applied to Barclaycard to improve my credit rating as assured by Experian checker I was elligible and accepted. Got a text from Barclaycard telling me what my limit would be. Then got a letter saying they couldn't confirm some of the details I'd provided so I had to send in…
-
£0 balance credit cards
Would having any of these accounts still open have a detrimental effect on credit rating. I regularly tart cards just for the 0% bt. (Thanks to this site for giving me the initial idea) Thank you
-
Rejected for cards - credit score too good?
Hello All, I'm new here so aplogies if this has been covered before; I've done a quick search and couldn't find anything. I have over the last few years been spending on credit cards and either paying them off in full at the end of the 0% deals, or balance transferring. I applied for a new card in June and got rejected. I…
-
Anyone pay BARCLAYCARD by cheque - but cheque "always " goes missing in post !
Hi , Im curious as to this problem and if it has happened to anyone else. I pay a lot of my bills via cheque .Its my preffered method with cetain bills so i dont want to discuss the best ways to pay bills etc . Anyway when ever i send a cheque to BARCLAYCARD it mysteriously goes "missing" . Now ive paid other bills via…
-
No cash advance fee
The Co-op clear card may be useful to some. There is no charge for cash advances, very handy if like me you have unthinkingly used your credit card instead of your debit card to get cash from the atm. The interest rate is 12.9% for everything. Nice and simple, hence the "clear" card. You request your own credit limit.
