-
Please please reply, desperate!
Default on credit card payments dealth by cccs sorry to repost this but I need to know what others think Hello, I have a DMP which has been being dealt with by the CCCS for the last 18m - 2 yrs and which is going well, ie no missed payments. They deal with 3 debts, Barclaycard, Halifax credit card and capital one credit…
-
Pre paid credit card for withdrawing cash abroad?
Just lately all I seem to do is raid this site for help! Once again I am hoping someone can point me in the right direction. Our daughter is thinking of going to Africa on a voluntary gap year and what we would like to do is have some sort of pre paid card that she can just go to an ATM and withdraw money. We dont really…
-
Natwest CC - Apply online.
Hi, I previously completed an IVA, ending January 2009. Soon after I applied for a credit card, which was declined (predictably). I have just applied again online at my own bank (Natwest) and was accepted. I click that I did not want any kind of protection. On the next screen, I had to check 2 check boxes, one to say I…
-
Default on credit card payments dealth by cccs
Hello, I have a DMP which has been being dealt with by the CCCS for the last 18m - 2 yrs and which is going well, ie no missed payments. They deal with 3 debts, Barclaycard, Halifax credit card and capital one credit card. On looking at my credit report I see both Halifax and Barclaycard have all got the status as…
-
How often if you credit file updated?
Currently I am moving balances around for better deals etc and plan to apply for another CC. Just wondering when will the balances be updated on my credit file? I have just paid £2k off a card but will that be instant or will my file get updated with statements etc?
-
Visa Debit
I was just wondering if any of you know which banks offer Visa debit card?
-
Which credit card for an 18-year-old with no credit history?
My 18-year-old daugher would like a credit card, but as she has no credit history, which is the best to apply for? Or would she be better doing something else like a storecard or mobile phone bill in her name first to build up her credit rating? Or, given that she's a student and only earns £3-4000 a year, will it be…
-
declined all the times credit card ,store and catalog
Hi guys I am new to UK i tried to applied to all crdit card to build credit like capital one and store card and even i applied to catalog account such as simplybe.But i was declined ,now i updated my info with refrence agency ,and i found my score to very poor. what i have to do ? i am student in uk and i paid monthly…
-
balance transfer advise
i currently have 3 credit cards - Nationwide 650, ASDA 650 & MBNA 2000. i wanted to transfer everything to Nationwide card but limit was reduced overnight. any suggestions of my options? do i try to apply for another balance transfer card - but what happens if only a small limit? this situation is really annoying as…
-
Credit Reference Agencies
To prove one's innocence in this country is a very expensive deal ! I left the UK in 2000 to work on permanent contract in the Gulf. Unknown to me, HMRC were still under the impression that I was on PAYE in the UK ! and kept sending me tax demands to my previous house which I sold in 2000. I didn't have an immediate…
-
Default notice
Hi guys, I need a bit of info if possible with regards to Default notices placed on credit files. If someone slaps a default notice on your credit file is there a set procedure / or set legal requirement they must adhere to ? what i mean what steps must they take before adding a default on your credit file ? can a DCA just…
-
Barclaycard - paid up in full - more charges!
OK I've got a Barclaycard with a balance of £988.15. The payment due date was 8th Feb - I paid the full amount on 27th January, happy in the thought I was one credit card free I went about my normal business with a smile on my face. However today I got my statement and it stated Previous balance: £988.15 27th Jan Payment.…
-
Is this good advice?
Ok here is our money situation. We have a lloyds Classic account overdraft of £1000 which I think has overdraft interest rate of 2% M&S Credit Card balance £3284.40 was 0% it states on my Jan statement that my promotional interest rate will come to an end on 25/01/2010 (this one has a DD of £82.11 coming out this month…
-
Amazon Mastercard A Bit of a Swizz
I was just about to order a camera from Amazon.co.uk and decided to accept their offer of £15 credit if I opened an Amazon Mastercard account. At the checkout, when you are prompted to enter your payment details it stated get £15 off TODAY when you open a Mastercard account. I went through the application process and got a…
-
Egg problem
hello on tuesday this week i applied online for an egg card (not an egg money card). There was no immediate decision at the end of it, i was told i'd be emailed a decision within 24 hours. then i got an email telling me that my application had been processed and to go to the website, enter my basic details into the…
-
Non UK resident
Hi everyone, I have an usual request for help please, as I am a non UK resident so ineligible for most ideas just wondered if anyone could suggest something. I have credit card debt of 10,000GBP which is accruing interest at 24%, I don't generally use it but can only afford to pay off 260GBP a month maximum, so am…
-
JDWilliams
Hi, I applied for a JDWilliams account online and was giving access to the site as a registered person with an account but no information what so ever about any credit. The account balance says £0 and when I signed up it did not say any thing about a credit check. So have I done something different? How do I apply for…
-
asda credit card
have just 'activated' my new asda credit card and been told.. 'I must make you aware .. as you do not have card insurance, if your card or details are used fraudently, you are liable for the full amounts ' .. is this something all banks/companies are doing now?
-
Managing CC Online
I currently have a Barlcaycard, Egg card and a Mint card and would like to move the 3 balances to one card on an interest free period. However i really don't want statements coming each month through the post as my OH doesn't know about the debt on them. :o I wanted to go for the Virgin card as it has the longest period…
-
Barclaycard limit cut
Hello guys & girls. Today i've had a letter from Barclaycard, giving me a reduced credit limit with effect 11/2/10 (that'll be yesterday then). Previously it was £12.5k, I self reduced a few months back to £9k as the debt is being paid off, and now they're reduced it by a whole £150 :eek: I'm only using the card to clear a…
