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Credit card but no Credit Card Agreement.... Help please!!
Hi there, In early September I applied on-line for a Santander zero credit card. I did so in order to take advantage of there 0% for 12 months on balance transfers. This was subject to a 3% fee. As soon as I had applied I discovered that another card that they were offering had a 16 month 0% term with the same 3% fee. I…
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Capital One - will they ask for money back?
I have had a Cap One Platinum card for about 4 or 5 years, used a fair bit with a 6500 limit and I often have a balance on there of anything between 2000-4000 if they give me a good enough deal. Late last year they offered me 0% on BT made before the end of October, the offer would last up until my August 2009 statement…
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a few questions about egg credit card??
Hi just wanted to see if anyone can help me?? My dh has just applied online for a egg card so that we can do a balance transfer to save on the interest..... It said he was acepted. It also said for a interest rate of 16.9% - does this mean he doesnt get the 0%?? or is it just other then the 0% offers?? (i think it must be…
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Credit card charges
I had 3 credit cards and i defaulted on all three 2 of the cards i paid off but the 3rd one had a limit of £250 they are now chasing me for a debt of nearly £1400 all this is charges is there anything i can do to get the charges back? My other problem is i have no paperwork with regards to any of my old credit card…
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Why can't i get a 0% balance transfer card???
Can anyone advise me as to why I cannot get approved for a 0% balance transfer credit card? I’ve applied for 3 in the last 12months & keep being declined............................................ I’m a 30 year old co-habiting female living in private rented accommodation for over a year. I’ve been in my current full-time…
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Can I take on my brother's credit card debt?
He's got £5000 on two credit cards and is being slammed on interest, so barely touching the actual debt. I have no debt and wondered if it's possible to take out a credit card in my name and do a balance transfer to take advantage of the 0% interest. ANybody have any experience of this? Would really appreciate some advice.
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Going Over the CC Limit Question
If you have a credit card with a £10,000 limit and it was over spent by £19,000, would this be classed as irresponsible lending? and then the credit limit is upped by the lender to £13,000 without notice and no new agreement is signed, then would this make the original agreement unenforeable???
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Possible scam e-mails warning about postal strike and paying credit card on time
i had what looked like a genuine e-mail from alliance and leicester. it warned about postal strikes and paying on time. as i knew that my statement was due and i wanted to check the balance on the account i clicked on the link. normally i am very careful about things like this but my oh was next to me talking about…
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Credit card fraud £130 on an unused card.
I had a barclaycard that has gone unused since June 2008. Wanted to cancel but decided to keep just in case I could make use of their 6.9% life of balance BT. Received statement this morning that included a £130 charge for a travelodge in an asian country I have never booked or heard of. The card has been in a folder of…
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Missed Payment
A thing I have never done in three years, I missed a payment on my MBNA card it was due on the 10th and ive just paid it today, I have just changed to the Halifax and my DD didnt get changed across in time eeek, So ive paid straight away but already have the £12 late fee charge on, but how bad will 1 missed payment hurt my…
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Buying a car on a credit card
The card in question is Barclaycard, using it's 'life of balance transfer 6.9%' option. Yes it is being transferred so that deal comes into effect ;) I am wondering if anyone can work out these sums for me. To spend £5,000 on this card at 6.9% and pay the minimum payment of £125 a month, how long would it take me to pay…
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Question about Capital One payments
My Capital One account is set up for minimum payments by direct debit. It is due to be taken out between 17-20th October. I made a payment by card using my online banking on the 8th October. It is showing on my online transactions - 'thank you for your payment'. It says '0' on my online banking next to minimum payment due.…
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Late payment on credit file : (
Last month I set up a direct debit payment on my Barclaycard and expected this month's payment to go out by direct debit, but it didn't :mad: I have now had a late payment charge of £12.00 and will get a mark on my credit file. I am so mad as before this I have paid more than the minimum payment, on time without fail and…
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Very Catalogue - buy now, pay new year
Does anyone know how long you have to have had an account with them before they start to offer you these deals? My OH is a VIP with them, spent lots over the years, and gets them. I have only just opened the account so not expecting it yet, but if anyone has any idea it would be nice to know for reference :D ETA: Sorry…
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Using CC when facing LILA
Hi everyone, not sure if this is the right place to post this, quick senario of my situation is that we have handed back my partners car to the finance co, we have handed back the keys to the mortgage lender of the house and now live with boyf parents at the moment this was at the advice of the CAB and when all shortfalls…
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Credit card or loan?
Hi There. I'm after a bit of advice on whether to increase my credit card limit or take out a loan. Basically i'm looking to go travelling round asia and australia next year, but i'm unsure of the best way to fund it. I have £3000 saved up in cash but to spend a year away i would need a further £6000-7000. Ideally i would…
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Penalised for extra payments?
I'm a bit confused :confused: , help needed please?! I have been paying small amounts off an MBNA credit card to try and get it cleared a bit quicker. However, I see that even though the balance has only gone down, my minimum payment and my interest has actually INCREASED this month from last month! My statement date is…
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Sainsbury CC Statement from closed account....
Had a Sainsburys credit card and paid it off in full and closed it back in May (there's still a £9.71 surplas on it as they apparently didn't know what the interest would be when I closed it) as they refused to give me a replacement card (after telling me on the phone that it was on it's way and 2 weeks later, I phoned…
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Sneaky Credit Card Companies...
Make a payment to clear your credit card using a debit card, payment leaves your bank account straight away, however, the sneaky credit card company doesn't allocate the payment to your card straight away... "It may take up to 3 days to reach your account" the CSR says. I find this practice sneaky and underhand... are…
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Should I keep credit cards I don't use?
I am an unashamed rate tart. Over the past few years I have switched my balance around no end. I currently have a Virgin card that has my transfered balance on. I have a Play.com card that I spend on. I have Egg, Halifax, Barclaycard, Amex and Nationwide cards that I no longer use. They amount to over £20,000 in unused…
