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Do debts get passed on if I die?
Bit of a morbid one, sorry, and I'm not sure if already covered elsewhere...but I recently had a bad accident and it's made me want to know if my unsecured debts would be passed on to my wife should I pop my clogs? The debts I have now were incurred during a failed business attempt, totalling ~£40K and they are ALL in my…
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Additional cardholder has Defaults ?
My Wife has a Lloyds Airmail Duo credit card and wants to add me as the 2nd Cardholder but I have some defaults from a few years ago, the additional cardholder form says you must be over 18 and be free of CCJs but nothing about defaults. Am I likely to be accepted ?, as it also says that she would be responsible for all my…
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Super Balance Transfer Advice Pls
I am needing to clear my 2k Overdraft with Halifax but just got rejected for a loan with the Post Office :( I am guessing my next step will be a Money Transfer from a CC, I know there are Egg, Virgin and Post Office that do this. I do already have a Virgin CC (only £500 limit and nothing owed on it, I have called them to…
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fraud on 4 of my credit cards on same day!
Oh my god, I'm having a nightmare. I seem to have had credit card fraud (or attempted fraudulent transactions) on 4 of my 5 credit cards all on the same day. My Eggmoney card (everyday card), my Santander Zero card (for holidays, which I've never even used yet!), my Barclaycard (an old credit card i don't use anymore) and…
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Possibility of tranferral...
I have a couple of credit cards from a few years ago after second child was born and husband very unexpectedly lost his job, as a young couple we had zilch in the way of savings and as I hadn't been great with money prior to that so the only ones we could get to tide us over were pretty high APR-wise. 2 years on and every…
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0% purchases and spending overseas
Hi all, I have been lurking around on this site for a while now but this is my first post so please me gentle! I am off backpacking next year around the world and have been reading up on all the info on spending overseas. So pretty much sorted on that front (nationwide account & santander zero credit card). However, I am…
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Santander Zero exchange rate + 1% charge?
I spent $438.95 on Amazon.com recently, and after getting the email confirming dispatch, checked the exchange rate applicable for 3rd November on xe.com, which is the rate that Mastercard uses. It worked out at £267.63, which was the live rate at the time I checked. So I was expecting a few pence difference, owing to…
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Best all-round site for functionality ?
What do you reckon credit card wise in terms of what you can do on them ? Some of them are a !!!!!! to access with christ knows how many codes/numbers and i feel like i have passwords coming out of my earholes. I know its all about security but some of them are ridiculous.
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Credit card balance transfer then cash release
Hi there, wondered if anyone might be able to help? I've got a debt that was paid off by a family member but now I need to pay them back. Previously it was possible to transfer a balance onto your new card from your Egg card, even though your balance with Egg could be £0. Once there was a positive balance on the Egg card…
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Declined by Aqua - they are unsure why?
I'm now on an application-free period for the next 9 months. However I applied for a Vanquis and Aqua card prior to starting this new restrained phase. Vanquis rang up this morning - been accepted albeit at a laughable 59.9% APR - not a problem as they won't get a penny of interest from me! Just spoken to Aqua and the…
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Santander Zero 0% BT and no transfer fee??
I used to be an Abbey customer (now with A&L) and at the end of August got an offer through from them with a pre-approved application for the new Santander Zero card. It offered me 0% balance transfer for 12 months with no transfer fees. This deal was valid as long as I applied before 30th September. I sent off the…
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New barclaycard platinum accepted - will I get the full amount I asked for?
Hiya, just wondering here. I just applied for a barclaycard platinum online and got accepted. I wanted £1k to clear another card on balance transfer and put that on the application. The CCA bit at the end of the application said about the promotional rate or 0%. I got accepted and it said the card will be with me shortly.…
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Best Business Credit Card
Hi I'm new to this site and looking for some advice about switching credit cards. We are a small company, spending up to 3000 each month between 2 HSBC cards, they come with our HSBC current account (could maybe even switch bank account to avoid charges to actually). Balance is paid off in full each month, credit history…
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Amex Section 75 protection
I hope someone can help with me with a query about the American Express Platinum card. I applied for this card a little while ago after reading about it on MSE. It was flagged as being the top cashback credit card and recommended by Martin. Since then I have made several large purchases using it and will make more with…
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Play.com - get reward vouchers
Does anyone know the best way to claim the vouchers - after using play.com card. Ive rang MBNA and they said ring play.com any ideas on best way to do this?
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Barclaycard premier and platinum
Hi guys! I have a credit card with barclays. It's a premier credit card with a limit of £7000 and APR 13.6%. I have always paid my balance in full or at least half for the last 6 months which is usually £2000 ~ 4000k. My balance now is £3k and I intend to repay in full in 4 months due shopping for xmas and so on... I am…
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Account debit
I am a little curious as to how long a vendor has to withdraw payment from an account paid for via debit card online? On 22/10 I paid £25 to open a sports account, the following day paid out a further £225 in £50 increments the last but one payment being £25. Logging into my bank account the money was still there as…
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1st time credit card user
I need some advice over which type of credit card to go for. I've had an overdraft for a while and have been paying off a seperate loan for a while, but need to take out a credit card to cover some unexpected car costs :mad:(typical!). I only plan on spending in Nov/Dec and then putting the card in a drawer until its paid…
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claiming back from visa debit cards
hi there, i was speaking to someone yesterday regarding that my wife bought some hair straightners from a non based UK website. they wanted to know what country it was shipped from. Well it was from Shanghai in China. I think i know what your going to say, but im pretty sure its a harsh lesson learnt. I just wanted to know…
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Bank of Scotland Preference account
Removed by poster
