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The virgin cc
hi - have been on the compare credit card sites and it states that an instant decision is given for some cards,e.g. virgin. How can this be when some people on this site say they have to wait a while for a response? thanks
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Completed a balance transfer but need some advice!
Hi, I've just got a Virgin credit card and have transferred the balance from my Halifax card to it so I can pay this off interest free. The balance transfer to Virgin has actually transferred more than I had on my Halifax card, so the Halifax card is now in credit. How do I get this back or what can I do about this? Also,…
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Argos credit card , instore or online?
Hi I was thinking of applying for the Argos card but the advertising instore doesn't mention any cashback. Is the instore card the same as the online card? And does anyone know if I can get cashback for applying? thanks
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Exceeding limit
Hi everyone, I've just had to make a purchase on my card, whilst i'm still within limit i've just checked my account and once the interest and PPI is taken I would've gone overdrawn by about £20. My own stupid mistake, but would it be in my best interests to give them a call to give them the heads up or just leave it and…
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Bequests
Whilst a will ensures money gets to whom you want,it takes a long time for the legal process to complete. How do I make arrangements for cash to reach needy friends quickly/regularly whilst probate is chugging through?
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Mbna balance transfer
I have done in the last three days three bt to my MBNA card. I understand the fee is 3 percent per transfer. However does anyone one know if they ask for the usual £25.00 per bt every month. The total amount is nearly £4,000 and in the past if is only one transfer for this amount I have only had to pay back £25.00. cheers
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Sold fake goods
I bought a pair of pink GHD hair straighteners from a website - I received them today. When I tried to register them on the GHD website I was told that the serial number was fake. I paid £62 (even though the website said they were £57.42). The package came from China even though the website seemed to be registered to the…
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MBNA CC settlement advice
Hi. I have had an MBNA credit card for some years now, a couple of years ago I was going through a bad patch and the balance of the card got up to £1900 (with a limit of £1500), as I was getting charged late payments, over limit payments etc... I am in the process of trying to get those charges back, I sent the first…
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Please Help with Credit Card Solutions
I have 3 credit cards. A Barclaycard Platinum with a £510 limit , balance is £280 @ 14.9% apr. An Argos Mastercard £2000 limit, £850 balance @ 25.9%apr and finally a Barclays Premier Visa card with a £2500 limit and a balance of £1750 @ 13.9%apr. I have an overdraft of £250 with a £250 reserve. I rarely use it, but because…
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Continuous payment authority
I paid my car insurance online, using my credit card. As far as I was concerned, it was a one off payment. Now the documents have turned up, it states that they will take any additional charges using the same payment details. Wouldn't I need to agree to that before they can do it? Is there anything I can do to stop this? I…
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Two questions about Aqua cc
Hello there, As from my earlier post i have now sent off my ID info to Aqua, my first question is will i now be accepted for a CC as all it says on the letter my ID is now being sent to the underwritters. My second question is what credit limits will Aqua start you from, i know its all to do with credit scoring and such…
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Barclaycard and claiming under Section 75
Hi, Hope someone can give me some advice. I bought some furniture from a local furnituremaker, and paid for it on my barclaycard. Unfortunately he went bankrupt. I wrote to barclaycard, using the template provided on this website. They've written back saying that I need to get a letter from the appointed liquidator stating…
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Credit card Fraud
I logged onto my bank account today only to find an unauthorised transaction for around £550 that went through two days ago. I rang my credit card company who have now cancelled my card. Fraudsters also tried a larger transaction yesterday for over £1700 but this would have taken me over my credit limit so the transaction…
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Paid them all off!
Hello everyone,id just like to share my good news ive just paid all my credit cards off and CUT them all up! .I have just completed a remortgage and borrowed additional funds,its all nice and managable now.Its a great feeling,but its amazing when you clear the balances off the accounts,you suddenly become a "good" customer…
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capital one question
Hi, calling all capital one users! I've just applied for a capital one card and have signed the agreement electronically, it says they need to do some more checks but does anyone know if i'll get accepted?
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virgin 0% 4 16mths cc
hi ya all i am thinking on getting a virgin cc with 0% intrest 4 16mths, to pay off a personal loan cos the intrest is so high on it!. but before i get one want to ask some ??'s from people who have them. 1, where can you pay off your cc ie which banks allow you pay there ( had problems with this in the past! extra charge…
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Can i use a credit card cheque to pay argos store card
I tried to pay argos store card using my credit card the other day to be told it wasnt possible as you cant pay using a credit card! This morning i received some credit card cheques from mbna and it says my rate is 15.9% which is cheaper than argos ( about 29% i think) and a 3% fee for doing so can i pay argos using one of…
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Rejected for balance transfer - what to do now?
Hi everyone, I have two credit card debts which I wish to transfer to one card in order to reduce interest rates and pay it off more quickly. One is an Egg card (outstanding £2100 at 16.9%) and an Evans store card (now Santander?, around £1900 at 29.9%). I applied for a Virgin Money card last month to do this, but was…
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One credit card increased, the other reduced?! Why?
Ok so this month I got a letter from capital one about an increase of my limit to £800. I never use the card as it has a high interest rate. However I have left a balance of £150 on there that I have not bothered to pay off in full and just the minimum each month. All my bills are paid on time, I have a healthy bank…
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WOuld like a cash back and air miles card
I'm planning on travelling overseas 2-3 times/year on business and thought a cash back AND air miles credit card would be a good addition to the Santander (Abbey) zero card. Thought I'd go for the BA AMEX as a site said it did cash back and air miles. But can't see how the cash back works. I think it's only in air miles.…
