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help please
I recently purchased 2 pairs of Uggs online without realising they were fakes they were 'on offer' reduced from $120 to about $70 a pair. They sent me one pair in the wrong colour and they dont fit my partner. I have emailed the company to say I want a refund and he wants me to forward them on to someone else, I have…
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Citi Card Problems?
I have the Citi Gold (Aadvantage) and recently got a mailshot saying they had disassociated with Aadvantage and that a new gold card would be sent to me. I received the new gold card (same card without the Aadvantage branding) and when I activated it I asked about additional card for the daughter (yea, yea - I know - i'm a…
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Late payment charge on a late payment charge
I recently disputed a late payment charge on a credit card. I received a standard letter back that didn't address any of the questions I had asked. Everything is paid off on the card except for this charge and £1 interest. Because I haven't paid it I have now received another late payment charge of £12 + £1 interest. Can…
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Overdrafts
Hi all A simple question which I should know the answer to.... but I don't: Can I transfer an overdraft as a balance transfer to a 0% credit card? :confused: Thanks Loulou
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Should I be worried?
Hi all, and thanks in advance for any advice. Have recently recieved new Halifax Credit card (13 months 0% on balance transfers) We requested a BT on the 20/11 and this was duly actioned on Wed 25th , late evening....I could tell it had been actioned (if that's the right phrase) as I could see the new balance via Halifax…
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Query re the Virgin card
What's the minimum monthly repayment on this - 3% of the outstanding balance or more/less? Also, is the 2.98% fee charged for transferring a balance included in the interest free period or do you pay interest on that?
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A lot of questions
Hello, I'm sure this is in the wrong section, but I have a lot of questions and it doesn't really fit any section. I'm 18 (19 in December) and a student. My mum moved house when I went to uni to a temporary address, and now she's at another address. I have a different address at uni than I did last year(moved out of halls)…
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Vanquis Gold Card
My hubby got a letter today from Vanquis to say they are upgrading him to a Gold card and a £1500 limit. He's been with them since July 08, I was wondering if the interest will go down?
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JJB Card- Not Bad in this climate
Just accepted delivery of my new 1St mainstream card after being sub prime. Its JJB and in current climates the Apr for purchases is 24.9% which I think isn't too bad considering how some mainstream cards are 30%+. From Online application to receiving the card was 8 days.
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Credit card virgin: Advice needed please
Hi all, thanks for reading this plea. Need advice pretty desperately, no sarcasm please, it won't help :) My husband is a salesman, all comission, no basic. He has recently had to change companies, and is finding his feet and not selling too much. I had to finish work in April last year, due to ill health. I am on…
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Credit Card Advice Please - Which one?
I hope someone can help me i am new to this forum and hope i have posted in the correct place! I have never had a credit card before but am planning on going on holiday (first time abroad) early next year and have heard it is a good idea to have a credit card for purchases while away, well firsty is this true? and secondly…
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Two applications on one day?
Hello All, I have reading through pages and pages of very informative posts. It has inspired me to post. I have existing CC debts, with each of the 0% offers expired. Is it feasible to apply for more than one card on the same day without harming my credit rating. Two cards would hopefully give me a large enough limit to…
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Hidden APR on MBNA credit card
My husband and I decided to have a real good look at our finances and work out exactly how much our monthly outgoings are. I've been keeping a record in a little cash book, checking the date of our direct debits etc. We each have three credit cards and my husband has one store card. As we had worked out what we could…
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Credit report updates - how quickly?
I am soon to apply for a mortgage and want the best possible credit rating. I am also about to pay off the stoozing sum outstanding on my credit card. I know I have just missed my November statement date. Can you tell me, if I paid off the full amount next week, how long it would take for them to "let the credit agencies…
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Search against my credit file - Comet
Hi, Wasn't sure which forum to post this is so apologies if it is wrong. On Monday of this week I attempted to order a fridge freezer online with comet using my credit card. They royally cocked it up saying that the item was in stock online when in reality they didn't have any in stock. On Wednesday (25th) I cancelled the…
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Egg card selling debt to Apex
Like quite alot of folks on here I too have recently received letters from Apex saying Egg have sold my debt to them. Now I have a few questions........... As I no longer have any debt with Egg (as they have sold it) can I get the 3 year old default removed from my credit report? Secondly, As I had an agreement to pay egg…
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Virgin Credit Card Paid
:jI have paid off my 0% Virgin credit card balance transfer so what to do with it?:j Cancel it or stick it in a drawer somewhere and forget about it. I use a Capital One card for my normal spending because of the cash back. Rob
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Tesco Club Card Credit Card - Second card holder
Hello, Too many "C"s in this post title! Basically just after some advice. My wife and I have taken one of these out as we shop at Tesco weekly (in fact we live opposite it!) and though the extra points gained by using their card everywhere would be worth while. I requested a second card for my wife, but we've noticed that…
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Call credit Arrrrggghhh
I emailed them last month to cancel my subscription and they emailed me 5 days later to say my request has been actioned and i will not be charged anymore! Now today iv noticed they have charged me £12 and iv been charged a further £12 as i bought an expensive purchase on the card and call credit made me go over my limit…
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Is it worth keeping my egg money account?
I opened this for stoozing work back in 2005. I've not used the account for 3 years. It is worth keeping it or should I close it down?
