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capital one and vanqaus card
Hi I have just succesful been accepted for a capital one and vanqaus card, im basically going to just use to buy my shopping each month and then pay off in full. What i want to know is if i get the card on the 1st of the month and use it on the 1st when will i get my statement roughly and one will the balance need to be…
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Prepaid Credit Cards with Payment Protection?
Good morning all my lovely moneysaving folk! My husband and I are expecting our first crib midget in September. We will obviously need to buy all the horrendously expensive things like cot/travel system etc etc. all which will cost over £100 each. We know that if we buy them with a debit card, we will not have the same…
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New to Credit Cards...
Hi I'm 24 and never had a credit card - tried to live without one but I think I have realised that in this day and age, there are some things you really NEED a credit card for! I want to build up my credit rating as I have had one missed payment in the past 6 months (well actually this was my first missed payment EVER and…
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credit card discount??
hi, i was recently told by a friend that he stopped repaying his credit card and refused to pay for many months despite relentless -and sometimes rather urgent and nasty- calls and letters from company. after an year -or more..- the bank offered him to clear it all off by just paying in 1/3 of the total. the amount was…
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Does not having a landline effect your credit rating?
Despite having a good credit rating and never having problems getting cards, loans, phones etc, recently I have been turned down for everything I've applied for. This has coincided with me getting rid of my landline. Anyone know if this could be a factor??
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Increasing Credit Limit with ...
Barclaycard, HSBC and PO. Anyone had any recent experience on the above, was it positivie or negative and did you do it by phone or on-line button (if available).
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Exceeded credit limit...
I was just wondering.. I have had my first credit card now for 6 months, and this month i exceeded the limit, only by £2.89, not on a purchase but because the interest was added on. As soon as it happened I transerred the money over to pay off the excess, I was just wondering will this now affect my credit score? Thanks,
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Egg card interest
On a balance of £1,495 on 16.9%APR, What is the monthly interest on that? I've got an estimated interest of £37 this month... surely that is wrong? Thats like 25%APR surely?
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Capital One Classic card vs NatWest Visa debit card?
Hi there, I'm currently banking using a Basic Bank Account with HSBC. Just after I opened this account, NatWest finally got back to me and gave me a current account with a Visa debit card. Now, I was planning on keeping the NatWest account purely for the debit card, as my HSBC account is ATM cashcard only. For the first…
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Some Advice Please
Please can you give me some suggestions on how to deal with our cc debts: *M&S £962, 18.9% till account closed. PO, £1395 of £2600, 0% till 25 March, thereafter 16.9% Barclaycard, £1440 of £3000, 0% till 31 May 2010, thereafter 14.9% *HSBC, £1823 of £2500, 0% till 16 May 2010, thereafter 16.9% At the moment we pay min…
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Halifax CC - instant decision with credit limit?
Hey all I am thinking of applying for one of the Halifax CC's. Do they normally give an instant decision when applying online? And if so do they let you know the credit limit straight away? I already have a Halifax reward Current Account and in the 'my offers' section I can apply for either the Halifax Plus CC which gives…
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CC interest and how it accrues
I have a question about paying off my cc. To make the sums easier, just say I had bought 6 lots of something that was £500. Month 1 statements says balance is £3000. I pay £500, then 2 weeks later another £500. So when next statement comes out, the balance is £2000 plus interest. What is the interest on? The full 6 x £500,…
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Capital One charged me interest on a refund?
I have a Capital One card that I used solely for internet transactions and pay the balance in full - give or take a few pence - each month. Last month's statement came to £110.99, I made a payment of £110 well within time. During the time between statements I'd ordered an item which cost £8.99 - the item had been out of…
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Santander Zero Credit card
:mad: I got my Santander Zero credit card last November after reading martins review,the access to foreign currency from ATM`s abroad without charges was attractive as i was going on holiday in December.Before going away i set up a direct debit, on line, to pay the minimun monthly amount.On my return from holiday I checked…
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Getting the balance of a credit card in cash
Anyway to do this? RBS platinum, £800 limit. Withdrawing from a cashpoint wont work and high intrest fees is it not? So could i just use the online credit card feature to transfer £800 into my bank account?
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Balance transfer Help !!!
I have approx £1300 on citibank which is at 19.9 % apr , I have Lloyds TSB card zero balance at 14.8 % apr and was offered a 4.9% for 6 months balance transfer 3 % fee, However i wiil have to spend on the lloyds tsb at some point, would i still be better off doing the balance transfer or leaving the £1300 on the citibank…
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Vanquis Visa Problems!!!
Hi all, I have been a Vanquis Visa customer for about 12 months. For the first few bills I paid my balance in full, then at least the minimum payments. I think I missed 2 payments in 6-8 months ie late payments. Upon attempting to pay a bill with them last summer, the telephone advisor said I no longer had the option to…
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Jacking up the Interest Rate on Credit Card
Could someone point me in the right direction My Credit Card Company (Capital One) has Decided to increase my APR to 31.16% from 26.93% A letter arrived stating that i can freeze the account at 26.93% . My balance is 7400 Also my Interest rate has been increased year on year I guess that I will not be able to transfer this…
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Happy Days
Just got my airmiles duo cards upgraded to a premier airmiles duo :beer:. lowered apr and slightly more airmiles, woo hoo x x
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Worried about being refused credit !
Can anyone advise me ?? I have been working on improving my credit score over the last 18 months and with hard work and "money saving" i have gone form FAIR to EXCELLENT !! However , i still have one remaining credit card i wish to pay off and would like to transfer it to a 0 % rate card . I would love to hears other…
