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AA credit card 12months 0% BT,s and 12 months 0% fuel purchases etc
Not seen this one before,12 months interest free on petrol sounds good,* 0% on balance transfers until December 2010 (2.99% handling fee). For this great rate your balance needs to be transferred within the first 90 days of your account opening * 0% on money transfers until December 2010 on transfers from your credit card…
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No protection!?
I have recently tried to purchase mechandise via Google checkout and as the supplier never dispatched the goods and went into liquidation I tried to reclaim my money from the credit card company I had used for the payment. I was unaware that I would not be covered, as Google checkout is regarded as a third party and…
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First credit card help!
:grin: Hi. I applied for a capital one credit card today and was approved, it will be with me in 5-7 days. I have never had a credit card before and have a few questions, would be greatful if someone could give me hand. Some might sound stupid but like I said I dont know much about them... 1. Can you withdraw money from a…
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Pre Paid Cards as Xmas Gifts - Which One is best ?
I have decided to put money on pre-paid cards as gifts for my children and their family for Xmas as i am going away for Christmas and have decided that I am not doing any shopping this year, so I'm just giving them the money. Is there a card option where I can order 3... and load them online from my bank account and they…
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Mbna
Evening, I am in the process of helping the mother in law with her finances as she has got into a bit of a pickle. MBNA are refusing to accept a reasonable monthly amount and to freeze interest. I sent a cca request to MBNA, which they to date have not responded to. What would be the next step in dealing with them Before…
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Refused Credit/Loan to Consolidate Credit Card
Hi Guys, I have gotten myself into a bit of a mess here. I am dealing with things already but need to advice!! I graduated last year and have 2 current accounts. these have overdrafts of £1950 and £200. In addition to this I have a credit card (Co-Op Clear) with an outstanding balance of £2000. I would very much like to…
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An absolute mess!
Hey folks, *i should just warn you there's a bit of an essay ahead, so you can opt out now before it drags out* I joined this site hoping to get some advice as i'm trying to get myself out of the mess i made when i went to uni. I have to admit to being a bit daft when i started uni...actually make that VERY daft. I got…
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Halifax
Applied for Halifax card the other night online. Received a letter today advising it had been approved however, I had applied for 13month interest free on balance transfers. This letter stated it has been approved at 16.9APR. The wording on agreement is confusing and at one graph does state 13 month balance transfer 0%. I…
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Mbna/dlc
mbna has sold my account to dlc prior to the date they requested that i pay in full. i contacted them to make an arrangement to pay 10 days before the date they said they told me the date has been passed on to dlc. i contacted dlc and informed them that i had contacted mbna as they had requested prior to the date that the…
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Lloyds, illegal?
Hi all, I am not sure if this is the correct place to post this, so I apologise if it isn’t. In August this year I missed a payment on my credit card and received a letter from Lloyds stating I had 10 dates to pay the outstanding amount of £86.05. The letter was dated 20th August but I only received it on the 25th. As soon…
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Vanquis Pulling A Fast One.
My Vanquis card was blocked a month ago because they picked up some dodgy transaction that i did not make. I had a DD set up for full amount so obviously i cancelled it the paid the bill manually so the balance was £0.00 then I set up a new DD when the new card arrived. Today i have recieved my November statement and have…
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Credit Card Question
Hi Everyone I currently have £5000 on an Egg credit card and I am paying 17.9% interest. I am unemployed at the moment so I am just about managing the minimum payment each month. Does anyone know whether its possible to get a card with a smaller interest rate or whether I need to wait until I can get a job? I am hopeful of…
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minimum payment danger
Starting kinda sort my finance out, and actaully reading some of the very helpful advice offered here. Having read the miimum payment danger on credits cards article, I was shocked to learn that for the last year and half I have hardly paid any of mine credit card off :( Anyway looking at my latest statment, it says I have…
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Balance Transfer to different card in different name??
Hi I wonder if anyone can help me please. I have a credit card which i used to pay for something for £815 for my step daughter. We did not have the time to get her a credit card before this purchase was made, so would like for her to get her first ever credit card and pay me back so she has the outstanding balance on her…
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vanquis
i am over my agreed limit on my card, balance stands at £274 when my limit is £250. oversight on my part, annoyed at myself for letting it happen. just had a call from vanquis - they said if i can pay £75 then they will take two £12 charges off my account - first i have ever heard of them doing or offering to do anything…
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Post office credit card... help please
hello im on the verge of getting the post office credit card classic... however theres a note in the T&C that im unsure about, im using the card for a balance transfer as i have already used most of the other better deals. The Total Charge for Credit under “Other Financial Information” is based on the assumption of a…
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need advice re capital one
my husband was made redundant last november , he has insurance with his capital one credit card , axa are the insurance company who deal with it , we have ended up with late payment fees every month etc the phoned today to say after decembers payment my husband will no longer be able to claim he would have to work for…
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Is 6 year credit default from start of default or from date satisfied?
Hi I defaulted on a CC on 26/02/2004. I then started paying it of in installments and satisfied the whole amount on 12/10/2008. I know it will be on my credit report for 6 years but is this from the 2004 date? I hope so. Thanks in advance for your help.
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Creation
All Does anybody have a phone number for 'Creation' ? - they deal with store cards I believe. I have a link on my equifax report to them but I've never owned a store card. The account was paid in full last year but that's not the point as it now stays on my report for the next 6 years. My report shows a linked address of…
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MBNA Closing my account
I am a second card holder on my sisters mbna account. Both cards ran out in July and we phoned them to get new cards, they told us both no and will not be sending out new cards. Would not give a reason. Anyway, this account has a balance which I pay off £200pm. Should they still be charging interest on the balance since we…
