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Removing CC applications from Credit report.
deleted........
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Interest higher than min payment?
Hi all just wondering if you could answer a quick question..... My LloydsTSB credit card has a balance of approx £5500, I haven't used it for a long time (years infact) as i'm trying to pay it off. The minimum monthly payment is about £115.00, but the estimated interest every month is about £125.00. I try to pay about £150…
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joint & severally liable
Has anyone ever been caught out by their partner or ex partner, obtaining credit cards without your knowledge and then runing up huge debts only to find that you are as equally liable? Wells Fargo have done just this to me. I have written to them, my solicitor has too, even my MP has written to them and they sympathise…
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Egg Balance Transfers
I am with egg and am thinking of transferring the debt to my parents and then back again. But before I do this, do you know what deal they will offer an existing customer for a balance transfer into them? Also, if I transfer away, are Egg known to reduce your credit limit in the process? Thanks, Steve
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To tart or not to tart?
I have run up a balance of £8,000 on a 0% credit card. The money is happily gaining 6% interest in a savings account until Dec and the 0% deal ends in March. My question is whether I should pay off the credit card or pay £8,000 off my mortgage. My fixed rate mortgage is 5.49% and I'd only need to pay 3% for a balance…
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MBNA charged me £12.00 for being 21p short
I have had my MBNA card for several years now, always paid on time. Last monthly my payment was £120.21, not thinking I wrote a check for £120.00. I was suprised to be charged £12.00. Tried phoning phoning them and they are just not interested. Okay, it's my fault for not making the full payment, but £12.00 for 21p short.…
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MBNA Decline
Hi there I've just been declined by MBNA (for their platinum card) because over 8 months ago I went over the limit on my cap1 card (they told me this is the exact reason). This happened because I had set up a direct debit over the phone with cap1 or so I thought and didn't realise that it hadn't actually been taken until I…
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Credit Card Purchase Protection question.
As I understand it, if you buy goods using your Visa or Mastercard, you are covered for fraud/misselling/faulty goods etc. If we pay a 50% deposit for goods being manufactured for us, using our Tesco card, would we be covered for that amount if the manufacturers went bust or just turned out to be crooks and vanished with…
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Thomascook CreditCard
Hi. I have a thomascook creditcard and am thinking of taking it with me to spain on holiday neaxt year to use as a backup/emergency card. If for whatever reason i use it, does anyone know what charges they levy for using it.. Many Thanks...
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capital one interest increase?
Hi, I downloaded the letter that i need to send to capital one regarding their interest increase.. Has anyone else sent the letter to them and succeeded in sorting it out? Derek
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Help - potentially spiralling debt.
I've found myself in a bit of a pickle.. and am in danger of things spiralling out of control. I have a 0% credit card which I used for the purchase of a couple of big things - but recently got hit with some unforeseen circumstances which I had no choice but to pay for.. the 0% card was the only immediate means I had. I…
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Tesco CC refusing to refund disputed purchase.
Hi all, desperately looking for help here really. We're trying to get Tesco to refund a disputed purchase and they are refusing. A few months ago, before our wedding, my wife purchased a wedding dress from a high street store (paying up front by Tesco cerdit card) At the time the store said they could modify the dress to a…
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car hire company
I rented a Car in August with major company. They took my credit card details which they said was for fuel deposit only and would only be used if I returned the car without full tank. I have used this company before as I have motability vehicle and when it breaks down I have no choice of which company to use as motability…
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Advice needed - Credit card company that doesn't send out cards special delivery
Need some advice. I need a new credit card asap, however at the moment i’m away abroad working for the next 6 months. Will be back in the UK maybe once every six weeks or so if i’m lucky, but only at the weekends. Need to know which credit card companies send out credit cards non-signed for delivery, as i won’t be able to…
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Does anyone understand Amex cashback?
I am in my second year with Amex Platinum Cashback. As I understand it 0.5% on spend up to £3,500 then 1%. So far my cash back shows £19.11 since anniversary, hence I must have spent £3822, right? (£19.11 divided by .005) However, statement still shows earning rate of 0.5%. Queried with Amex and they say I have not yet…
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Advice on the best credit card?
Im a 3rd year student with the student loan and a small (unused) overdraft as debt as such. Wanting to get a credit card, not for spending more for just back-up and for use on etsy.com (cant register debit cards) but it doesnt need a large amount of credit, just wondering what the best option would be, is it worth me…
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Using me Card to book/pay for a hotel for someone else??
Hi, I am wondering if i can book a friends hotel and car rental for an upcoming 9day holiday in spain using my credit card(so i can earn airmiles...) It would be through Venere, whom you pay in advance with, and im yet to know who the car rental company would be. In the past i have booked lastminute.com hotels with my…
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Need advice on best option
I need some advice on the best option to do. I have £9,500 debt that i want to pay off, 2 creditt cards and 2 store cards. I called a debt company and they said could have a debt management plan but they charged you each month, but as least you knew the debt would be paid at the end of the term. With Xmas coming up its…
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Tesco Finance refuse to repay deposit
Any advice? I paid a deposit to a solar energy supplier. I had a dispute with them because they wanted to change the boiler at a highly inflated price. They refused to return the deposit. I gave the problem to the 'legal firm' paid for in my house insurance. They just sat on it. Then I discovered that the company and gone…
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Abbey Zero credit card v Nationwide credit card
I'm off to Australia soon and am wondering which credit card to use. I have an Abbey Zero credit card and a Nationwide credit card and am not sure which is likely to offer the best exchange rate. Do Mastercard and Visa give the same rate? I will be putting credit onto the card before I go away so I don't have to worry…
