-
Credit card purchase refund
Hi guys, can any of you help? It's my other half's 40th b'day in Jan and I've booked for us to go to Las Vegas for 4 nights through Expedia and paid on my Mint Credit Card. We usually have annual travel policies but mine has expired and I was holding off until nearer the time to renew it. Here's the problem. Since making…
-
Amex Customer Offers Joke!
Got some vouchers in an Amex mailshot yesterday. One is 30% of a case of wine from Virgin wines, and two free wine glasses with it. The voucher is valid from 1 November to 31 December. It does not say the offer is limited in number. Just that it's limited to one voucher per Amex customer. But I've just followed the link to…
-
Missed card payment
I've done something rather stupid. Having opened a couple of cards lately (mainly to take advantage of a 0% offer), I thought that I had set up a direct debit to pay off the minimum payment each month on my Amex card. Unfortunately it turns out that I haven't (that was on another card), I just get an email when my…
-
Am I correct in my thinking, please
Several years ago I had a Capital One card - credit limit £200. As happens, I missed a payment and duly recieved a late payment fee of (sorry cant remember exact amount) £25 (shall we say), that takes me ove rate limit and so they lump on an 'over limit fee', of course. Times are hard other bills are more pressing and so…
-
cash from credit cards
After messing about with online gambling scratchcards etc, I noticed one of the sites I used takes the deposit from your credit card, but when you withdraw it it puts it in your bank. I have a 0% credit card, which is a reward card do you think I could deposit the remaining available credit, to the gambling site withdraw…
-
Fist Time Credit Card - Help Please
Hi, I owe a friend £2,500 on a business adventure last year we both did that did not go how we expected it too because of the recession and things. My friend paid for the things using his credit card but now its been 12 months they have started charging him. I have never had a credit card before so i am in need of some…
-
Debit card payment
Hi Last year I had a virus on my computer and i bought a software programme that said it would remove it (it did not) on line. Now one year on, I have noticed a payment on my debit card to this software producer. At no time did I authorise an ongoing payment to this company, I have e-mailed my Bank, Nationwide, stating…
-
Protection when paying by credit card
When booking flights by credit card who is covered by the card company if things go wrong airline goes bust, etc, and you need to claim your money back
-
Sylvanian Families Phishing Scam
Hi I’d be interested to know if anyone has heard of this issue before and how to deal with it. In August family member orders about £80.00 worth of Sylvanian Families goods from a website (supposedly specialising in Sylvanian Families). The items didn’t turn up and there was no response to any emails. He contacted his CC…
-
Comet Edge Card mystery?
Hello, We bought a TV from Comet on a 6 months buy now pay later deal, about a month ago. We don't remember signing any agreement in store and we only left with a receipt for the TV which shows the deposit and the balance as buy now pay later. We haven't received any paperwork about this or a card. On our credit file, it…
-
Would this be classed as a retail payment?
Hi guys! I was thinking of paying my Virgin Media bill with my Virgin credit card. I've currently got 0% on retail payments until March 2010. My question is, would this payment be classed as retail? Many thanks as always! D~
-
The Sub Prime Credit Thread - Part IV
The Sub Prime Credit Thread - Part IV Welcome to the 4th edition of the fantastic Sub Prime Credit Thread, originally created by Proliant and followed up by CifPower. This thread contains all previous versions of the threads and all the Sub Prime deals available right now! Last Updated: 15 January 2010 Previous Threads…
-
What happens when Beneficial Fianance card ends?
Hi Beneficial Finance credit card scheme ends at end of December - still have a couple of hundred to pay off which will do with usual monthly payments. After it's all paid off will the card and its available credit (I had quite a high limit but never used most of it) disappear automatically from my credit file?
-
Refused a credit card for having an old student credit card
Hello, After spending 2 hours organising my first mortgage at the Bank of Scotland, my mortgage advisor referred me to a colloeague to arrange an ultimate reward current account (for the added perks when combined with a mortgage). Once the current account was sorted, the accounts advisor suggested that I might as well…
-
sub prime 5% cashback card
utility warehouse do a 5% cashback on a mastercard, similar to amex, but for life, not just 3 months! Its s preload card, so assume there is minimal credit check if at all. 5% and build a credit score! edit link https://www.utilitywarehouse.co.uk/home/benefits/CashBack_card.taf and to the cynics, no I dont get a referral,…
-
Furnished or unfurnished
does it make a difference on a credit app if you say you are renting furnished or unfurnished? which is better? thanks.
-
Correct Credit File Addresses
Bit of a strange one below, but please help if you can: I have recently been turned down for several cards despite having a good credit history. I believe it may be down to my address history from living on military sites. I have always used an accurate address, however I believe this may not be the official address…
-
Voluntary arrangements cancelled but still reporting on my credit file.
Hi All, I'm new to all this! So hope what a put down makes sense! A couple of years ago I got myself in a bit of a pickle with credit cards, so I thought the best option was to get in touch with each company and let them know. Most of them where brilliant. I went through an income and expenditure form, and they agreed to…
-
problems with new santander online credit card service
Having been advised to take out a santander card by Alliance and Leicester I have wasted several hours trying to get online access 1) web site invites you to enter card details to set this up - but card number is not recoginsed 2) phone up and get sent a security number (wait 5 days) 3) try to register but no ID number 4)…
-
Warning about CCA Claims
I'd just like to put a word of warning the way of members regarding the issue of making CCA claims against your credit card provider. I had never heard about this possibility of challenging enforceability until a brochure dropped through my door claiming that 89% of case were successful. I paid my 300 pound fee and was…
