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Black Diamond Visa?
The other day I received an invitation for a Black Diamond Visa credit card through the post. Usually I would disregard something like this as spam, but as it so happens my partner and I, who have just got our first place together, were recently discussing getting a credit card as a safety net in case the boiler explodes…
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Barclaycard bizzare
I bought a £135 buggy of mothercare online at the weekend. They pre authorised £1 and then the last few days I have had £136 pending transaction. The buggy came yesteday and now it has fallen of my card. No pedning transactions?!? Checked the internet and telephone service both say I have no pending transactions and extra…
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Student Credit Card
I have a student credit card from Nat West. I am wondering what happens to the card (and the balance) once you cease being a student? Does it get converted to a standard Nat West credit card, or are you are expected to have the balanced paid up in full, for it to be 'terminated'.
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Tesco Clubcard c card no. question
Quick question. Just got a new Tesco clubcard credit card to boost my points and the clubcard number printed on it differs from my one (apart from the first 6 no's). I'm sure I applied with the correct number. Is this correct or have they given me a new clubcard account? Very confused! Thanks for your help with this.…
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Halifax cancelling card!
Hi all, Apologies if this has been mentioned recently already, but I just wondered if anyone else has experienced this as part of the financial fallout/recession ? I'm not a credit card user, but have a Halifax platinum card that I use for booking flights etc on rare occasion. Anyway, last month I noticed I'd had my limit…
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Citicard charging interest even though balance paid off??
I just want to know whether anyone has had a similar experience with any other cards and if I can do anything about this ..... Citibank have been awful for the last couple of years and recently, started charging 32.5% pa. I decided to move the balance to another card, which I did. I cleared the balance at the end of…
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Will they 'settle' at this?
Dear friends, apologies for the lack of spacing etc between paragrahs, I'm using my mobile. I have two co-op bank credit cards, one stands at £1400 at its limit and the other is £2900 also at its limit, they are both incurring 16.9% and as well as this have a £800 barclays overdraft which barclays have now closed. I am on…
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bank of ireland credit card app
hi, hubby applied to bank of ireland for credit card today. after completing application the final screen said thank you for applying, you will recieve your printed copy of your credit agreement in the post witin the next few days with further instructions. it didnt have the usual yes/no or we will let you know screen does…
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Cifas sar
Since Crap1 told me the had removed a CIFAS marker they recently placed on my credit file, I have SARd CIFAS. They have taken the 10 quid payment from my credit card, but in their letter say there is no CIFAS data in my name and date of birth at the address I have supplied. That is fine, but are they entitled to charge the…
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Regal Credit Services
anyone heard of these? Are they inhouse dca to any of the banks/finance companies?
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Has anyone heard of Regal Credit Services
or been contacted by them either by phone/letter. Are they an in house DCA to one of the finance companies/banks does anyone know?
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wich charges can i claim back ??
Hi Iv just recieved a copy of all my statments from sainsbury credit card but i am unsure of wich charges i can claim back. The charges are as follows: overlimit fee - £12 late fee - £12 plan migration - £12 unpaid item - £12 payment reversal - £5 Some times the plan migration is charged twice the second charge being at a…
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Limit increase require credit search?
Hi. I have recieved some 0% for 9 month cc cheques for my Virgin card but I am near my limit on the card already on a 0% rate. If I asked for £1000 increase, would they do a credit search on me? I have a perfect repayment history but I just do not want any searches because I will be looking for another 0% or good rate to…
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Virgin Cut Credit Card Limit with No Notice
I logged onto my virgin credit card account tonight only to find they have cut my limited from £7000 to £2400. I currently have an outstanding balance of £2300. I used the card regularly to pay for expenses at work. These are paid as soon as I am paid in my wages. The rest of the balance is being paid off slowly. I called…
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transferring my argos bill on to barclaycard?
i have just come to the end of the buy now pay later on my argos card and they have added £100 interested to it plus what they add every month!!! barclaycard offered me 12 mths interest free on balance transfers so i tried to transfer the balance from my argos card on to my barclaycard it wouldnt let me do it online so i…
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Is it possible to freeze the interest on cards?
I've been currently paying the minimum amount on my two credit cards. However whenever possible I have paid a few pounds extra each month. This month I tried to pay more than my minimum (£150 instead of £100 and £60 instead of £40). However this left me a bit short this month so I had to then use the money I'd paid onto…
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Bank of ireland
Who are this crew? Are they part of RBS? Which CRAs do they check for their credit cards and bank accounts. I believe N.I.D has a card with them??
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Capital one
Hi, My girlfriend has a credit card with capital one. We was both recently out of work and they just keep adding charges and it has now gone well over the credit limit. The reason for my thread is because i want some advice and what we can do as she receives about 10 calls a day from them and keep threatening to default…
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Whats less damaging to my credit history?
I've got 3 credit cards, with associated balance / limit: RBS Gold - £90 balance / £5,000 limit. Barclaycard - £4,700 / £6,350 Halifax - £0 / £3000 The 0% interest free has just run out on the Barclaycard, and needs shifted. Options are: 1) I have a personal offer on RBS Gold for 0% for 6 months on transfers at 3% fee. 2)…
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Assigning authority to get account information ?
I am named as a additional cardholder on my wife's credit card account, she is not very good at dealing with problems or on the phone and she would like me to be able to phone up and get account information, change anything and query anything that seemed to be wrong etc. I seem to think this would be possible if she gave…
