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Tesco 0% offer - who to believe!?
Just received my Tesco 0% CC card. The person on the phone said the 0% on purchases and BTs is for 6 months. My credit agreement says 0% on BTs for 6 months and 12 months on purchases. I told her this but she said it definitely said 6 months on purchases on her screen. I called back and another person confirmed what the…
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Lloyds TSB/Call Credit
Updated my current account with LTSB to a premier account recently. A few months ago I remember them trying to sell me an ID theft thing and this was through experian. I decided against it cos I check equifax. Now that I have the premier account its all part and parcel but now its changed to Call Credit - are banks…
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credit cards
do all credit cards have ppi only i am not sure wether i am coverd or not
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Call from First Direct CC Fraud Dept.
Hi all. I've just received a call from someone claiming to be from First Direct's Credit Card fraud dept....who asked me to verify who I was before he would continue! Being naturally suspicious, I asked this man how I could be sure he was calling from FD...and to my astonishment, he went on to tell me about a number of…
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CC How long before interest is normally charged
I have only ever used a debit card or cash. However I have thought it best to pay for a airline ticket with a Lloyds mastercard due to the insurance it offers and the flight is not for another 6 months with a smaller airline so I do not want to risk my cash should the airline go through. I paid today, how long would it…
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Credit Card Insurance
Hi, I'm new to this forum and was wondering if anyone would be able to give me advice on the following. On Friday 15th May my husband had paid off all of the balance of his mint credit card. On Sunday 17th May he had an accident and was unable to return to work on Monday 18th May due to being in hospital receiving…
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Egg - do i have rights
For the past 3 weeks I asked Egg to change my direct debit date for later on in the month as I wouldn't have enough funds, they didn't and tried to take the money out of my account which bounced as I didn't have enough funds and now they are charging £16 for late payment. AAAAGGGGGH! Don't these people say if you need help…
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Credit Card Debt how best to proceed?
Hi Folks, I have finanical probs at the moment, I have done as suggested and written to MBNA and Capital one explaining the position I am in along with enclosing a cheque for each of £10 as my first payment for the offer I was making. I sent both letters by recorded delivery. MBNA have written back acknowledgin receipt of…
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Late payment dispute
Hi All There might already be a thread for this but... Due to the royal mail strikes i received my credit card statment late which meant when i sent my payment it arrived there late. No they have waived the chares but are refusing to amend my credit history. they said its not there problem. can anyone help????? thanks in…
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Capital One CCA Request
Hi, i'm sorting out my debt as i can no longer meet the minimum payments. I have had a classic credit card from cap 1 since 2001 and i have never had a default or missed payment. The last year i have not used the card as i'm trying to clear it. Outstanding Balance about: £3000 Next Minimum Payment about: £100 I want to CCA…
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Capital One World card cashback
Hi. Anyone know what the current cashback rate is for the World card? Have been checking online and although it says the card still gets cashback plus a £10 a year cashback bonus, it doesn't say what the rate is.
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How to improve credit rating
Hi guys I have applied for a new 0% credit card but have been refused? I have never missed a payment on my current card. I have never missed a payment on my mortgage. I have never missed a utilities payment. I dont have any loans. I am on the electoral roll. I am in my overdraft at the moment? (But not going over) But…
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sygma - CIFAS-heaven
Hi I hold one Sygma card and I'm a bit willied about the fact they seem to love to CIFAS people. Also, how many Sygma cards can you apply for? If you already have one (and obviously run your account well) can you apply for a second one? Do any of the Sygma cards give Instant Decision? Thanks:eek::T
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paying off c/c and loans in lump sum
ive been left some money and will use to pay of loans and a credit card obv i dont want to overpay, and would like to pay out as little as possible is there agreements that can be reached to bring a total payment down, or any other advice i should know about can i bargain with loans companies or is it just fixed at what i…
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Citi Platinum withdrawing Cash back
First they withdrew the lovely Audi card with 0% on foreign currency handling. They offered the platinum card with Cash back as a replacement which I accepted as they were offering the cashback. Now they advise they are withdrawing the cashback and offering me to take up a EGG credit card which offers cashback but charges…
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Skycard is now Barclaycard and have sneaked the rates up
Hi there, Does anybody else have a Skycard which has now become a Barclaycard? I got my first statement through this morning and without warning (ok, i'm sure they did somewhere in some small print but i never saw it) have hiked the interest rate up by 2% on purchases and 3% on cash withdrawals. I'm at the £4200 limit on…
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'Free' (NOT!) balance transfer and missing payment - Santander
Well, having read about the problems with applications I guess I am onto a non-starter here but going to have a rant about it anyway. :mad: I recently was offered a card in branch and because I've always had a bad credit I accepted and thought it would boost my credit rating. They told me it was a free balance transfer but…
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Help!! :(
Hi can someone please advise me what to do. Today I got my credit score through Credit Expert. I'm worried to find out I have a very poor credit rating of 421. Good Points on my report - You make all your repayments on time and in full - no accounts have been paid late in the past six months You are on the electoral roll…
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Travel Money Card
Can anyone recommend a travel money card that has no fees or charges and that can be topped up for any currency? Thanks
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First timer question - Experians suggested credit cards?!?!?
I'm hoping someone can enlighten me! I have used experian for approx 3 years to keep an eye on my rather full credit report! I have approx 20k debt and a mortgage, but am managing (just) at the moment - dont miss any payments, and am about to tackle to really lower the amount - think its been called the light bulb moment?!…
