-
Credit Cards - Applications via Website
When you apply online for a card and then get the "we will let you know in 7 - 10 days" does anyone know what they actually do to further evaluate your application that they can't do there and then and give an instant decision. Preumably an unacceptable application would get an instant rejection. Thanks...just interested.
-
Credit Card debt after death
Sorry for the "miserable" topic but I wanted to ask a question regarding my late mothers credit card debt. My mother died in June leaving around £6000 worth of debt on a credit card. Since then my brother has been making payments but we were wondering whether we were responsible for it really or could it be written off?…
-
Credit Card Transaction Fees / Supplementary Charges
The company that I want to book a holiday with have a "supplementary charge" of 2.5% when booking with a credit card. Obviously I want the protection of using a CC but don't want the holiday to cost an extra £100 (yes it is a 'special' holiday!). I don't mind paying a fee if a credit card payment costs them extra but this…
-
Paying my fathers credit card
I want to pay my fathers credit card payment and have some questions. I only have the card in my possession and not the monthly statement. He has it but at a different location. I know the min amount to pay and it is a NatWest card. 1. Can I pay the minimum monthly payment for that card at a NatWest bank somehow, even…
-
Cancelling Cleared Credit Cards
I recently cleared 4 credit cards (which had come to an end from their 0% offer and were charging high interest rate) using cash from the sale of my car. The total was around £4000. I am slightly confused whether I should cancel these cards as I have no plan in using them but I read in the past it can effect my credit…
-
Capital One Classic 4th statement increase
Anyone had their 4th statement increase recently mine is due in a couple of weeks and hoping for a good increase. Have used my £200 each month and sailed near my limit but never over and cleared in full all but one month left £40 and paid £2.99 interest never late. Hoping for a minimum £500 but £1100 would be nice.
-
Overpaying my CC while using Direct Debit
Hello. I'm currently paying off a balance on my credit card by making the minimum payment by Direct Debit each month. From January I'll be able to make additional payments each month. Now, on the CC statements it says that the direct debit will normally reflect additional payments received. So I'm guessing that this means…
-
Credit Card Bank Wire?? HELP!
Hi, Any help on this would be appreciated. I need to send £2500 overseas (I'm sending in US dollars), but I only have a credit card. How would you recommend I go about this? I have to send it as a bank wire, and there is no bank attached to the credit card. How do I transfer the money from a credit card to my bank account?…
-
How do I take advantage of this?
Hi, I have just received an offer of 0% interest on cash transfer into my cuurent a/c at 4% fee until October 2010 from Virgin. My limit is 3400 and I want to use 2000 of that for something urgent. How do I go about it? Thanks
-
Barclaycard Breathe
For any customers who took out a barclaycard breathe account last year I would suggest you check your statements as I was supposed to be on an interest free period till december 2009 and they coveniantly decided to start charging from October. After being disconnected and asked to prove it a few times by an indian call…
-
Catalogue company reducing limits
Why do catalogue companies keep increasing your limit, then when you order something suddenly take it away? I have been with JD Williams for about 8 months. My limit was £900 and my balance was £167. I ordered a dryer for £297 and when I checked the status of my order online it said I am over my limit and can't order…
-
I think I might of gone over by credit limit—should I let my bank know
I think I may of gone over my CC limit but only by about £5-10 as the items haven't yet appeared on my online statement I can't say for sure. I know if I go over I get a penalty and it affects my credit score as I did it by accident a few years back. Am I best just ringing my bank and letting them know—are they likely to…
-
Credit limit increase
If you ask your credit card company for a limit increase and they refuse, is there a chance they could then reduce your limit to ensure you don't max it out?
-
Air Comet + Barclaycard Query
Hi... Hope this is posted in the right place! I am in Buenos Aires and on the 17th December booked with a local travel agent 2 flights and accommodation to Madrid flying with Air Comet... The following Monday Air Comet had all of it's flights grounded. The travel agent says he can give us a refund that will take 20-25…
-
Possible Fraud
My mum has just received a call from a clothing warehouse as they have received an order to be delivered to her address for £600+ to be paid for via credit (visa) card. The guy at the warehouse was suspicious as the name of the person it was being delivered to was very different to my mums. Now here's the problem. my mum…
-
MORRISONS PETROL STATIONS PAY AT THE PUMPS possible fraud
Hi, I just wanted to bring this to peeps attention as i felt it was important. My brother recently found out he had 2 payments taken from his credit card which he did not purchase. When he queried it with the card provider they asked him if he used Morrisons petrol stations pay at the pumps card system, which he had used a…
-
Credit Card Interest Question
Okay, so I thought I was okay at this moneysaving, but turns out I got credit cards all wrong- and I'd just like other MSE'rs to confrim my rookie error. I have a credit card with the Clydesdale Bank. Usually pay it all off but couldn't last month as booked my hols on it. The balance on 5th November was £1320 and I paid…
-
Charged a 3% BT fee for Just 1 month Int Free
As the title explains, I paid a 3% fee to transfer a £3000 balance from Barclaycard to Virgin. Unfortunately I didn't realise that there was just 1 month left of the interest free period, so as of December I am paying interest. Is there anything I can do or do I just look for a new card with a long Int Free period or low…
-
Largish Virgin BT as 0% ending
Hope someone can advise us please. We're coming to the end of a good 0% CC deal with Virgin but have a largish balance left over after home improvements(as it was the cheapest form of lendng to do this) and paying off what we could in the 0% deal time. It now has about a 7k balance and the deal ends for us in March. Can…
-
Overpay Barclaycard by BT and refund
Hi, I've logged on to egg this morning and have noticed I am eligible for a promo deal of 1.9% till 07/2010. I have a £3000 limit and would like to use this to pay off my barclaycard which only has £500. The thing is, i need £1000 for something for only a short while. Would it be possible to BT £1500 onto barclaycard and…
