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Mbna - help!!
Hello - Firstly I will apologise for the long tale to follow!! After a number of years of living on cards - and spending without thinking I had a eureka moment (along with my other half) We are determined to get rid of our bills and just spend what we have and save for what we need. I have made a start in sorting out my…
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Store card balance transfer advice
Hi all, Myself and my girlfriend have recently moved in together and are in the process of laying all our debts out on the table for the other to see (maybe we should have done this before moving in!). She has a store card (boo, hiss) with a balance of around £230 which I am planning to transfer to a new Barclaycard…
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Fathers credit card crisis old and infirm
My father is 80 years old, has had 3 strokes, cancer and isn't really of sound mind anymore. The problem is he has 3 credit cards and a loan that are being paid out of his pension with help from myself. A few years ago I aquired the right of attorney for him as his judgement for financial matters was getting really scary!.…
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Non Uk PPI ???
Hello all, new kid on the block Got a barclaycard in 1991 and ticked the box 4 payment protection. Was upgraded over time to a gold and then a platinum card without asking as had a good job and spent money like it was going out of fashion (Stupid I know). Left for Ireland to live in Oct 1999 but kept the card, still payin…
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Call Credit Score
Is 590 a bad score with Call Credit? It seems bad as they rate you out of 999. I have a 3 star rating which is average but 590 seems quite bad. Am on the electoral role. Never missed a credit card payment. No fraud or CIFAS information. Any ideas why is it is so low guys?
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cap one interest hike!!
hi everyone. has anyone else had a letter from cap one to say they are increasing interest rates from dec? i got one today and the cheeky B*** say its due to the current climate and it being very hard for them in these times!! hike from 34% to 39.9%!!
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Looking to apply for first credit card.
I've had a store card now for 6 months(which I pay off in full) and am looking to apply for my first credit card. I don't want to make too many applications though. I'm looking at Amazon Mastercard, Sainsburys, Halifax and Bank of Scotland. I need something with no minimum income as i'm currently on incapacity benefit. If…
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Fraudulent transactions on cc help with reimbursement
Hi guys Firstly thanks to Paul Varjak for suggesting I start a new thread with this query. Unfotunately I need to give you the full background to get someone's advice on this one. Whilst talking with my 92yr old father in July he mentioned that he had noticed several 'rogue' transactions on his Tesco Mastercard statement.…
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CAPITAL ONE 10p Overlimit....
Hi, I've had a capital one credit card for four months (the steep interest rate one!) On my first statement PPI was added - which I was told would only be applied if I did not pay my balance in full - and this took me 10p over my credit limit of £100 I brought the account back into my credit limit immediately, and I rang…
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capital one credit card interest rates hike
my wife and i both received letters today telling us that due to the current financial crisis they are putting our rate up to 39%+. anyone else got these?
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Abbey CCard question?
Hi All, i wonder if you can help me? I'm thinking of getting The Santander Credit Card, the 0% for 15 months one, it says "0% for 3 months on purchases from date of account opening" does this mean i can use the card to pay for things IE a loan that i have [not with abbey that is at 19%] and will it still be 0% for 15…
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phone call about un enforceable credit
i had a phone call not long ago asking me if i had any balances on my credit cards i told them that i did have a small balance of approx 500 i was then asked if i had had the credit cards since before 2007 whcih i have i was then told that all the credit card companies have expcepted that this is unenforceable credit which…
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Im I being hacked on the virgin website
Recently just registered on the virgin money website for my credit card but notice something strange I can log in but always cuts out when checking my statments and a message saying try agian later something wrong with the site just worried that because it dosnt log out something might be up and for some reason tends to do…
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What is the difference between platinum and classic credit cards?
The contracts look more or less the same.
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Abbey declined my CC application
Hi everyone, I'm new to these forums... :) Here's the story: I've had a bank account with Abbey since the end of July and ever since have had roughly £1500 of salary paid into the account at the end of every month. For this reason I thought I'd have no problem applying for a credit card from Abbey, so I filled out the…
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I have a ipoints card when should my points be added to my account?
I rang halifax and they said they credit ipoints annually I E-mailed ipoints and they said my points should be credited monthly. So I was wondering does anyone know which is the right answer?
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PayPal £25 join-up offer
Hello, I recently took out a PayPal credit card (mastercard) because of a £25 credit, applied to the account as soon as it was used; I'm sure this was a tip of Martin, either on the regular weekly newsletter or by email. However I can't locate this link now. And PayPal don't seem to recognise the offer!! Does anyone…
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PPI Reclaiming
Thought you might like to know of my recent successes - I used Martin's PPI template and sent it to Egg & two to MBNA (1 loan + 1 old credit card) Egg account had been finished for over a year - no quibble, received a letter saying they had investigated and would be sending me a cheque for £970. Cheque received 2 days…
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chip and pin unauthorised transaction: help
OH and I share a credit card with the same number. According to our latest credit card account, one of them was used a week ago in a convenience store in North London, many miles from where we live, to the tune of £64-odd. The bank disputed transaction people say it's a chip and pin transaction where one of us and the card…
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I have a good Score
My wife and I both have Excellent credit scores 999. yet we have bin told because we have no ACTIVE credit we CAN NOT HAVE CREDIT why is this.
