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Credit Card arrears
Hi guys hope your all well. Right just a little poser here. Moved out in august and everything was going well financially and socially. then something personal unexpected came up i had to pay for and hence have got behind on my credit card payments. My credit limit is £3300 and i think i owe £3500 so am now in arrears. I…
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Help with credit card purchase offer
Hi, I have just received a Savings Accelerator Credit Card, it comes with "6 months from account opening you’ll pay 0% interest on your purchases". Does this mean that after 6 months I will have to pay a fee for purchases? Could someone help please Thank you
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credit card loyalty points
this is not a major thing - I just feel cheated and wanted to tell others I chose a card (Sony) with the idea of collecting enough points to get a Hi Fi -( I always pay in full each month so interest rates were not a consideration - ) but since taking the card out (2006) the company have regulary reduced the items…
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Rip off Britain
Just been watching this show, it's very informative. Talking about people getting store cards then getting into debt just to get a % off the first purchase. I do this, I accept the card application and get the discount. I then pay off the balance in full, cut the card up. I do this a lot and so far it does not appear to…
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Credit Card Charges
I've just been told from Halifax that I cannot claim for charges. Is this true? :confused:
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How on earth do you clear a credit card?
I finally paid off the last of my debts a few weeks ago. I paid the final balance on the credit bill and phoned up to cancel the card. They say I was in credit by £26 so they would send me a closing cheque. I asked them to hold on to the money to make sure that any additional interest which needed paying could come from…
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Egg Banking Plc - Unrecorded Enquiry?
This has just appeared on my credit report... What could it be for? I've never applied for any Egg products. Are they linked to anyone else? Cheers :)
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Triton credit services
Not sure if this is the right place to put this but my husband had just received a letter from the above as he has having problems paying his credit card we have been advised that the above is not the best company to deal with and put everything in writing starting with :- Before you even think about making any sort of…
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VirginMoney card offering 0% on purchases - does this apply aboard as well?
I'm going away to the USA in a few weeks and i was going to use my Nationwide credit card in preference to the VirginMoney one. However Virgin have offered a 0% on purchases deal until May 2010 so is this the better card to use or does the 0% not apply to overseas spending? I'll probably give them a call if no-one here…
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Applying for Nationwide credit card - questions
Hi! I'm planning to apply for a Nationwide credit card sometime soon. I do have a Nationwide Flexaccount (Visa Debit), which I fund each month with £800++, with a few direct debits coming out (and the rest gets transferred out to a high-interest savings account). The Flexaccount was opened in April 09. My main account…
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Succesful Chargeback but company wants their money!
Hi All. Would really like your opinions on this. In late August i took out a contract with a company to manage a new google campaign for a keyword, I paid them approx £1200 for the 3 month campaign which they promised me would get me a top 5 position (adwords) 24/7 The campaign started a day late and then only after I…
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Travel Credit Card Confused & Insurance
Hi Please help we want to get credit cards for our holiday to South Africa in March. As carrying lots of cash there might not be a good idea. But I am totally confused. It seems the Santander one is the best but what is all this about interest of about 27% on Cash withdrawlas even if paid off in full?! We want a card that…
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Advice needed please
Hello, I'm new to the forums but really wanted some advice and didn't know where to go. Plus not sure if I'm posting this in the right place. My issue is that we were getting a mortgage with Beacon home loans and our financial adviser was going through an agent called secured solutions. They said they needed to take a…
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Reapplying for Closed/cancelled credit cards...a good idea??
I had some credit cards which they closed 1 year ago, due to me Not using them/ or not having any activity on them...so they canceled them. If i reapply for them via New applications, is this a good thing to do? (i used them in the past- 2 years ago, and I used the cards well, with No missed payments or No late payments.)…
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Getting a refund from bathmart
A few weeks ago I ordered a bathroom suite from bathmart.co.uk and paid £933 for it on my egg card. Bathmart made various promises that they failed to keep and ultimately failed to supply the goods in their stated timeframe or give me a definite delivery day so I cancelled the order. They accepted this and promised a…
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When applying for credit cards, do they check your Application answers?
When applying for credit cards, do they check your Application answers? When applying for credit cards, online or over the phone, do the application people check the answers which you have provided such as: -check that you live at that address, -that you are that age, -that you dont have any more credit cards? - that you…
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Have my barclaycard cheques expired? (from 2008)
I have barclaycard chequs from last year, Nov 2008..... and the promotional offer on these have ended. it is now Dec2009, would they cheques be able to be used, even on the Normal rate of a chequ? (considering they sent them 1 year ago) and the promotional offer has finnishes? or can i use them as normal cheques.....but no…
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What hurts your credit more?- out of these 2
What is worse? and hurts your credit more? applying for 4 credit cards on the same day/week... (lots of searches) or missing a minnimum payment (due to just missing it) is one worse than the other, and hinders your credit file more?
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Spacin out your loan-credit card applications?-HOW FREQUENT TO APPLY ??
when they advise you to space out your loan-credit card applications, and dont apply for too many at once, what would be the frequency at which you should apply for credit cards....to be on the 'safe side' 2-3 credit cards every 4 months? (spaced out/or on the same week/or same day) for example? 4 credit cards in 6 months?…
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Which credit cards a MBNA cards?
Many cards are MBNA cards (alliance + leicester) how can you tell which cards are MBNA cards, and are part of the MBNA company? can you make a list of all the MBNA credit cards, please...
