-
The legality of stopping statements and blocking online banking
Ive been behind with my Capital one account for a good few months and am in the process of sorting things(waiting on call back from CCCS to discus dmr or bankrupcy) however ive just realised ive not recieved a paper statement since atleast october and my online banking is blocked because i'm in arrears. Now i'm not…
-
early repayment of credit cards
hi im after some info i have just recently sold my house and have made a small return and would like to pay off some of my credit cards. I have been told that if i call credit card companies and ask to see if they will reduce amount and will not affect my credit score. can anyone tell me if this is correct. many thanks…
-
help with credit cards
I have 5 cards, with about £8000 on them, i keep making overpayments on these and plan to pay them off over 5 years, am i better carrying on making the payments, or maybe getting a loan, pay them off and pay the loan off
-
Help needed - default on credit rating.
Firstly, I was very young and very naive so comments about that aren't really helpful :) Four-five years ago I opened an o2 contract as requested by my then OH as he couldn't get credit. He kept up with payments every month whilst we were together so I wasn't worried.. He then went to India for a week or so, using said…
-
Lloyds TSB Airmiles Duo for foreign currency?
Hi, I've been told that using my Airmiles Mastercard will end up being cheaper for me to use in Austria than getting currency exchanged. I'm travelling with my school and all of the meals are covered. In theory I shouldn't need to spend much at all, just a small amount at services when travelling across etc. Would you…
-
Tesco's Credit Card
I have just applied for a tesco's credit card, can anyone tell me if you get points on credit card payments ?
-
Total credit card virgin!
Hi guys, I realise I may ask some pretty simple questions, but I just need a bit of help. No-one in my family has ever had a credit card hence the fact I no nothing much of them. Ok so, my husband and I have decided we need to get a credit card. But say for example we get one with a £2000 maximum and we spend it all in a…
-
Repayment Option Plan & Demanding Money When Amount in Dispute
Hi all! I have 2 questions regarding my Vanquis Visa card. Firstly, when my debt with Visa was passed to a debt collection agency, could they legally keep charging me for my repayment option plan? Also, can a credit card company/debt collection company chase me for a debt whilst the amount is in dispute? Apologies as I…
-
credit card rejection help
Hi guys, I have recently been rejected for a credit card application and am not sure why. I applied to tesco but was knocked back. I haven't had a credit card before so maybe that was the reason. I currently have a loan for £2000 with my bank, i have had this since 2008 and have never missed a payment. I was given credit…
-
Advice on improving credit rating please
Have just paid for an experian credit report on line and was a bit shocked to find i was rated as very poor. I have not been late with a single payment on any of my credit for over 3 yrs ( and was never really in arrears before that just a couple of days late on the odd credit card), I have lived at the same address for…
-
Clearing current credit card
Hi, I'm trying to help my fiance to clear his credit card debt. I wrote a letter out for him to send to the credit card company, complaining about the amount of APR they were charging (20.9%). They also keep increasing his available credit also, even though he hasn't spent on the card in over a year so asked them to reduce…
-
Can i use a credit card to pay off car finance?
Howdy, Is it possible to pay off a car finance loan with one of the long term 0% finance balance transfer cards there are available? If so would it be classed as a balance transfer or a purchase? This would help in my choice of card. I reckon I'd save a load in interest if i could do it this way and i'd just keep on movin…
-
Next directory
Hi everyone, I wonder whether anyone knows answer to this question: I would like to open Next directory account - the reason for this is that I buy lots of stuff for my friend abroad and you cannot have items sent to different address to your card address unless you have directory account. I have been using my sister's…
-
Over a month just to update my file?
Just a bit of advice needed really. On 28th Jan I paid off a around 95% of my CC balance and asked my card provider Virgin to inform the credit file agencies accordingly. We're now a month later and my files still have not yet been updated with the new balances. I had contacted Virgin and all they said was they notify the…
-
Card Holder Out of Country
My DH has to go overseas for a 1-2 months to sort out some family affairs. We have cc 0% deals ending in the period and I am trying to come up with an elaborate plan of transferring between cards, to avoid / minimise our long term interest. Problem is I am not the card holder. If DH phoned them, could he give them…
-
How many credit cards do you have?
Hi folks Can i ask how many credit cards you have & how many could be too many? I have 4 in total, 2 of them i use for day to day stuff as they have rewards & pay off in full every month. The other 2 are low rate, life of balance transfer rates which i don't touch for spending.
-
Can I transfer balance to husbands card??????
As the title asks really Hubby can get better deal on c/card and balance transfer than I can so was wondering if he would be able to apply for card and transfer balance from my c/card to his new card? Thanks in advance.
-
Anyone applied to shop direct and they credit search you 5 times?
On 23th February 2010 I applied to Littlewoods aka Shop Direct Finance Company Ltd. Initally they did one full search and one soft search fine, they declined me and was told send in bank statement and I would get £100 limit fine. Then I get an alert on friday from equifax saying search so I check and low and behold they…
-
improving chances of getting new 0% card?
hi all, I'm looking for a bit of advice on improving my chances of not being rejected for next 0% CC application. I've been monitoring credit scores with Experian and Callcredit for a while, I think I'm basically "fair" but I have large outstanding debt. MBNA £16202 (limit 16,500, rate 1.2408%) MINT £4806 (limit 10,000,…
-
Card fraud - unlucky or something worse?
Hi everyone In the last 6 months I have had my cards fraudulently used 3 times. These were 3 different cards, from 3 different issuers. They were a Barclaycard Visa, a Barclays Visa debit and an MBNA Visa credit business card. There is no particular link between the three other than all being Visa. I am extremely careful…
