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Credit card cheques...then balance transfer
Please can someone tell me if this would work? I currently have a Halifax credit card that I clear each month, I keep getting sent cheques to use with this card and was wondering if I paid for some home improvements using a credit card cheque (approx £1800-£2000) then transfer the balance to a new card 0% on balance…
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Comet Your Way Card
I was issued with a Comet 'Your Way' card when I bought a washing machine about 4 years ago. I was given a £500 credit limit and an expiry date December 2009. Two weeks ago I ordered a digital SLR camera from the Comet website using this card and when the camera didn't arrive I rang Comet only to be told that they did not…
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Fixing Credit Card Payments
Does anyone know if credit card companies are obliged to let you fix your direct debit amount?
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Balance Transfer rules
My parents have a Natwest Platinum Mastercard offering 0% for 13 months on a balance transfer. I have a card with MBNA charging 35%. You can see where I am going with this. :beer: Can you balance transfer from my card to my parents? Or do you only qualify for balance transfers from cards in your own name? Thanks, Steve
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Statement Definition
Quick question, if a document says 'your October statement', does it mean * Your statement covering the October period * A statement raised on the 1st October Thanks in advance.
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Balance Transfer Question
Hello - I have a Virgin card and they have offered me a 0% balance transfer for 9 months. I have £2,800 on my Egg card which I would like to transfer over. I also have an overdraft of approx. £500. Would it be possible for me to ask Vrigin to do a balance transfer of £3,300 to my Egg card which would clear the Egg card and…
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Credit card charges - are they fair?
Hi I just wondered if anyone knows what is fair in regards to credit card charges. I know that anything over £12 has been classed as unfair by the OFT but can credit card companies put on multiple charges of £12. I have a vanquis card and before the OFT decision if a payment was missed i would have been charged a one off…
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Credit Card for pensioners
My parents would like to take out another credit card. They are both 75. Do credit card companies have restrictions lending to pensioners? Are there any advantages or disadvantages if asking for a high credit limit on a new card? Thanks, Steve
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Disputed transaction rights
Hi. Hopefully this is the right forum for this question and there are some legally knowledgable out there who can help. To cut a long story short I bought a timeshare in 14th October this year in Mexico (probably one of the worst decisions of my life and yes, I know I was stupid). As part of the scam they told me that as I…
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clearing an overdraft with a credit card ?
Hi New to credit cards and need some advice, I need to pay my electrician 2k, he has a normal business account he wants me to transfer it too (sort code & acc No.) is there a 12 month interest free card i can do this on or if i were to pay him from my overdraft on my current account is there a 12 month interest free card…
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Amex Blue Card
Do all Amex Blue cards allow balance transfers or credit card cheques? Thanks, Steve
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Settled Default
Hi there, About 5 years ago I defaulted on a mobile hone contract. To cut a long story short I had set up an online only contract (in store) with a card I was unaware could not manage DD. The person also put the wrong details in for my name. I never knew I had defaulted until I had a letter from a collection agency. I paid…
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CC Reduction in Credit
Hi We have a Credit Card, and we are slightly behind with payments, however, the CC company have now decided to reduce our limit, which now takes us well under our orignial limit, which means that they are now claiming from us an over limit charge every month... any advice please
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I point you in a new direction.
Original message erased. I mixed up ipoints with rpoints.
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Me thinking out loud!!
I've applied for the virgin 16mths 0% card, which is apparently now taking upto 21 days to process. NOT GOOD!!!! So i have also decided to apply for the Barclays Credit Card that has a no fee balance transfer at a 6.8% for the life of the balance. Again waiting for the approval. Which ever comes first i will use. But if it…
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Mbna
I am looking for some advice i have a mbna card with ppi, im self employed and struggeling to pay it every month as customers are getting very slow in paying me if i fold the business will the ppi cover my payments. MBNA have now got a agency to recover the outstanding do i have to pay them or can i still deal with mbna…
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One or two sub prime cards?
Hi all, I am one of those people with a non existent credit history. Equifax hold details only of my current account and orange account and 1 search in May (failed loan application). Experian has literally nothing, no credit accounts, no details and no searches. Based on the advice on this website and forum, I have applied…
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Credit card question
Hi Guys I have a question for you. By asking credit card companies for a settlement figure to clear my cards, am I going to have any effect on my credit rating for the future? Look forward to any replys.
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Do lenders have instant refusal criteria?
Hello all! This is my first post on the forum, though I have been receiving the email and using the site for years! I tried earlier this week to apply for the Tesco credit card, as my first ever credit card 0% deal runs out soon, and I got declined. I was surprised at this so I checked my report and I came out with a good…
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Fraud transaction reimbursment question
Anyone know if there are rules/guidelins that credit card companies have to work to when reimbursing money stolen from a credit card? Ive been told up to 50 days which seems a heck of a long time to get the money back. Luckily i caught it within 24 hours and the total was only just over £100 on 5 transactions. One of them…
