-
From Aqua to Halifax
I just got my aqua credit card and would like to plan my next move after 6 months or a year. Many people here have been successful in getting a flyby card, which I believe is mainstream. I will try that in due course, but I wonder if Halifax will issue a new card for me based on their experience with my aqua card, issued…
-
Cancel Experian credit check
Hi I signed up fro the 30 day free trial and used it for a few months. I then got an email saying that my debit card was out of date and I had to enter my new details to continue using the service. I didnt and forgot about it. Does this mean that I owe them money or it will affect my credit rating. I have not had any…
-
Debit card + RBS worldpay kerfuffle
So I actually have a debit card. My father wrote me a cheque earlier in the week for me to pay into my account so I could pay for a distance learning AS course. I paid it in Thursday at my local branch, and didn't know about the whole clearing thing (new to banking). The NEC website redirected me to RBS worldpay, and RBS…
-
Reclaiming credit card charges
Hello all Firstly, sorry to those of you who have had read this sort of post before, but I am very new to the whole thing and didn't know where to start. A number of years ago I was with Barclaycard and they charged me a number of times for late payment (some of which were clearly not late but they charged me nonetheless).…
-
Late payment penalty
Hi, I currently hold several accounts including a mortgage and a credit card with Nationwide. I've never been in arrears on anything in my life and have always paid off my credit card in full each month, I use it purely for free foreign use. I didn't recieve my last statement and while I decided I'd check with my online…
-
Bombarded by telephone calls from credit card co's
:mad: My husband (who is not working) has missed payments from credit cards and has been bombarded by telephone calls from the company's for each of his credit cards. These company's are fully aware of the situation but continuously call him on a daily basis. He has explained that he has no money to pay them etc... and now…
-
To close or not to close?
Hi all, I've got a Halifax CC that has come off of it's 0% interest period (:p). It's served it's purpose, it's got a balance of zero, and I was going to close it. However, I'm not sure whether it's better: a) Closing the Halifax & having a "Settled" on my credit file, demonstrating that I can end a credit relationship…
-
Template letter - credit card charges.
Afternoon - does any have a link to the temlates?? I am actually looking for a specific one (which I know exists as have seen it many times!). One I am looking for simplay requests a refund, without having to enter an amount. The second letter requests the full amount plus interest (but again is not specific on the…
-
Best Credit card for Balance transfer for low earner
Hi all, My partner and I have been stoozing for years now. However, he was made redundant earlier in the year and has just taken a job to get some money in. Sadly this only pays £11K a year and it is a weekly paid job. His BT comes up soon and he has only been in the job a week! Does anyone know of any cards that might…
-
Personal details still accessable online on closed account
Hi, I had an egg account which I closed last year. I got a spoof email saying it was from egg, so didn't open but thought I'd just check if I could still access my account on line. Result is Yes I could. I wrote to egg asking them why and could they close my account. I received the following emails. Surely if my account is…
-
Pay off my NW card monthly but been charged interest.
My husband and I have had Natwest mastercards for years. We use it and pay the balance off in full each month. The statement date is 24 of the month, we pay on 28 with a direct payment that reaches the account on the same day. Always in full. In August i withdraw cash while abroad. It amounted to 163.92 the interest that…
-
Balance Transfer
Hi all, I've currently got a halifax mastercard which has a balance of £3000 on it with a £8050 credit limit. I'm looking at transferring this balance to a 0% card. My salary is £14000 and have an excellent credit score. Would i be successful in applying and which are the best deals at present? Many Thanks
-
Credit/Debit Card Fraud - PLEASE be vigilant!!!!
Good evening Just a reminder to everyone to PLEASE check your statements on a regular basis. I am extremely careful with my online banking and card security, shredding statements, never giving out my details or clicking on a link in an email etc. However, I logged onto my Nationwide flexaccount this evening to find 3…
-
MINIMUM PAYMENTS....strange events
Hi, I recently transfered a balance to the Leeds on a long term low rate.. as recomended by martin in his best b transfers blurb.. its stands at £2600 odd and the minimum payment £53 well being good ! , I made three £10 online payments from my bank account during the month, to get the balance down a bit..or so I thought ..…
-
Multiple Credit Cards
Checked my credit history recently when Tesco made a mistake with my bill and I didnt want it to show up on my credit file as a black mark. Problem is it reminded me how credit cards Ive had over the years!! Ive never really had any substantial amounts on the cards, I mainly sign up to them for the perks. Over the last 5…
-
Transfer from mastercard to cashplus card ?
Can i transfer the balance on my mastercard to a cashplus card , the interest on the master card is a bit steep thats all
-
MBNA and buying currency from TravelEx
I was planning on ordering Euros through travelex to collect on sunday from Dover, however i am not sure how this works with a credit card, do I get charged a higher amount or is it the same as purchases? many thanks
-
Lowering your credit limit yourself
Just a quickie, does effect your credit rating if you lower the credit limt on your card's youself?
-
Lloyds Air Miles Duo Card / Missing Air Miles
I used credit card cheques in July and August to transfer balances from other cards to my Lloyds card. So far, no sign of the Air Miles I should have received by using these cheques. I queried this with Lloyds on 16th Sept - they claimed they knew about the problem (IT system blamed as usual), but it should be resolved by…
-
best credit card for using in usa, abbey ?
Looking to goto usa next year, the Santander Zero Credit Card has zero fees on cash and purchases when aboard, seems ideal, then i read this on msn money page "All credit cards start charging interest from the day a cash withdrawal is made so interest can't be avoided, even if you clear your balance in full each month." If…
