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Vanquis - Incredibly, success!!
Hi, Well, about 2 weeks ago i thought id start the ball rolling so i wrote to Vanquis bank asking for a list of all the charges applied to my account since i'd had the card (less than 6 years). I received a letter a few days later advising that they'd received my letter and would send me the details of my charges. Then…
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Online cc applications with no signature
In dispute with egg and they are claiming that if a box is ticked no signature is required, another monkey at their call centre claimed it is required and a seperate form would have been sent out with the signature held on file. Are they talking sh*t
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I owe Vanquis £1743!
Hi, I have a Vanquis Gold card with a limit of £2000 and now owe them £1743...I have always paid in full and until recently started paying the minimum amount as my husband recently lost his job and we are struggling and I have been using the card to pay for groceries and bills etc...I have noticed that when I pay the…
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Tesco Clubcard Credit Card
I took out a Tesco Clubcard Rewards credit card this time last year for a BT offer which I have now paid off. If I remember correctly, when I applied the marketing details said I would earn 1 clubcard point for every £4 spent, or if in Tesco I would get 1 point for every £1 spent. In addition, as it is also a clubcard, I…
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Should i complain to the Omburdsman?
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changing your name by deed poll on your accounts
I have a 3 mobile account, abbey current account, vanquis card and three catalogue accounts. I am thinking of returning to my birth name following sorting out a family dispute which has gone on for too long. My question is this when I send a copy of my deed poll to these firms will my account history stay the same from the…
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Apr ?????
Could some one possibly explain apr to me please. Debtof £8,400 on 2 cards-virgin & Tesco with 0% deals coming to an end. I over pay every month but can't now decide if a life of balance or a move to another 0% deal is the wayto go. I know this makes me sound terribly thick.......:mad:
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Need to borrow 3.5k for 2 years
Hi there, I'm currently a home owner (mortgaged) and need to borrow some money to keep us on top of our finances for the next two years while my other half is at university. By December next year, my parnter will hopefully be working as a fully qualified nurse, which will mean we are back up to two wages again. I've had a…
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Natwest - Stupid CC Rules!!!!!
Grr, Just had a 20 minute conversation with natwest about why they were declining all the transactions i made yesterday on my credit card. Earlier this month i made transactions up to 90% of my limit, then paid them off pretty much immediately. Last week i then bought something for 95% of my limit, however had to then…
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MBNA credit cards
Hello folks, im new to this forum, so for a start, HELLO :) , i look forward to hearing your replys. I have a question regarding MBNA credit cards. There is a credit card i want to apply for simply because it supports a charity i love and support, yet alot of cards on the market, no matter who your applying to are issued…
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o2 prepaid card
I got one of these in December for online purchases were I don't want to have to use my debit card. So far I'm not impressed. The card has a daily load limit of £100. I accidentally tried to add £200 and rather than reject it, they accepted the money (according to the verified by visa e-mail) but then told me there had…
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Experian Question
Hi All, Just a quick question about credit searches. Do "Unrecorded Enquiries" or "Generic Checks" Count towards your total searches? I just ask because on my report I can only see 11 actual credit searches but the summary says I have 14. Hope someone can help.
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If I lower my CC balances can I start getting low rate deals?
Last year OH was made redundant and we have been struggling to make ends meet since:(. We have 4 credit cards (Tesco x 2; HSBC; MINT) all of which are just below their limits and at high interest rates (20%+). We have managed to keep a decent credit rating up to now and haven't missed any payments or made lots of searches…
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Egg Credit Card Question
Greetings all, I have a question; I noticed a little note on the information panel of my egg card last month that said "Your intro balance transfer rate ends on 01 Feb 10" According to my last statement it says 25 Nov 08 T/Fer 1484.03 at 0.000% per month, The balance on the card is currently £2,001.42 and the current…
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Vanquis Question UPDATE 26/2
Just received my Vanquis statement and there is an entry labelled Minimum finance charge £1.00 What is this? On the plus side 3rd statement credit limit increase from £250 to £500 Thanks
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Possible link to cloned bank card?
This is highly likely to be in the wrong forum but please bear with me. My bank debit card card was cloned at the start of the year, they managed to transfer £6000 online to pay off a Barclaycard account. My bank quickly refunded the money when advised and as far as I know they have not had any disputes from barclays with…
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Argos Mastercard Reward
I have an Argos Matercard since August / September last year after reading about it on this site, I have spent around £8000 to date and am meant to receive Argos vouchers at 1% of purchases, to date I have received 1 £20 voucher which I received on 20th November. I needed to activate this card before use, I rang on 27th…
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Capital One Help....
I have been examining my Credit File from Equifax and noticed two entries from Capital One. I have never (as far as I know) ever been a Capital One customer. I telephoned their 24 hour "service" line which was about as much use as a chocolate fire guard. The operator (clearly not British) could find no record of me on the…
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Barclaycard Initial - Unable to make a decision
Hi All, I applied online for the Barclaycard Initial card yesterday. At the end it came up and said (after appearing to be calculating or something for a minute or so - I assume it was checking my poor CRA records), "Sorry but we are unable to make an immediate decision and require some more information from you, We will…
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Barclaycard - Existing customer offers
Evening all! Quick question regarding the existing customer application process for the Barclaycard Breathe. http://www.barclaycard.co.uk/personal-home/cards/breathe/existingcustomer.html When you apply through the existing customer route, is the card 'guaranteed' if you meet the criteria? One of the items specified is…
