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Standing order
I have to set up a standing order off my nearly four grand card fir about 80 pounds per month as I probably wold not get a card for balance transfer and Natwest refused other week The woman at billing said this would stop charges for a few months Am I paying off any of that card balance at all? Is there some better option…
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can i apply for egg card ?
i've already had egg money , i'm just wondering if i can apply for egg card as well ? thanks
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£50k on credit card and only.............
Years 48 - Days 17 - Hours 1,051,200 - Minutes 63,072,000 - Seconds 3,784,320,000 Left to go until it's all paid off, just thought I would make some of you feel better who have a lot less. Just counting down the days and just working out what I can spend that cash on when it's paid off. A space flight?? A Hoverboard?? A…
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Credit Card Transactions after A/C Closed
Can anyone help me with this ? I closed my CITI credit card (and cleared balance) in early Jan and had written confirmation it was closed. Today I received a statement saying that a payment had went through for a subscription I had not cancelled on the 28th Jan (after the account had closed). I presumed they would reject…
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Advise on card payment protection please?
I'm new to this, so please be gentle with me. I've been off work sick for 15 weeks, with another 9 weeks left on my current sick note. With not much improvement happening I'm expecting to be off work even longer - so suspect my employers will be looking to terminate my job. I'm claiming on my mortgage protection insurance,…
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new to the uk/no credit history
Hi I am just wondering if anyone has any suggestions for me. I moved to the UK 18months ago. I have a permanent job, earning 30k+ per year. I am also registered on the electoral role at my current address. I have been living at my current address for 1 year (rented). I had to move because my old accomodation was to be…
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Adsa - approval sought twice on CC machine - watch out !
Probably only noticeable to those who can see pending transactions online and perhaps pre paid card holders more than post paid but watch out for Asda (and perhaps others) who ask for (and get) approval twice (or even more) when their machines fail to work and process the transaction first time. It happened to me yesterday…
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which cc according to credit history?
aged old question i expect! One of my brothers needs to apply for a credit card - he wants to make a large (ish £850) purchase and has been told to put it on his credit card to protect him etc. Problem being he doesnt have one - he closed it last month lol! Hes asked which issuer i think he should approach, honestly i dont…
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Almost at limit after 4 months
Hi Have had a Tesco CC since November, 0% for 12 months and 6 months balance transfer. Desparately need a new laptop as have just dropped this on floor and now have several keys falling off - it's about 5 years old anyway and is getting a bit creaky - going to pop over to cheap laptop board shortly for some advice. Anyway,…
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Service not provided after paying by Visa debit card, what to do?
Hi, My friend ordered for a service regarding auditing his own company (he is a contractor in IT). He paid through the service providing company's website using his VISA Debit card for the amount of 45 GBP. They took the money promptly and since then they are not responding to his phone calls or emails. He has sent a…
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debt collection agency stating every month that my payment is late even tho it isn't
I got into difficulty with debt about 5 years ago thru my own fault. I'v slowly whittled the debt down via freezin interest on accounts. This has rightly incurred defaults on some accounts. One account however went to a debt management company called Icanpayu. I'v always paid the account on time every month. I recently…
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Direct Debit on CC Question...
Hi Guys, Iv set up for the minimum payment for my credit cards to leave by direct debit in the hope that i can always make the minimum and then over pay at the end of the month if i have money left over. My question is that if i have that set up and then make a partial extra payment, will it end up being an extra payment…
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Info/help required.
I have a credit card with a limit of £2800. In the next couple of days I will be paying off completely the remaining £1050 balance. Would it be better for my credit rating if I then cancel the card, or just keep the card and not use it? Any help would be greatly appreciated. Many thanks.
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Is this covered under sec 75
1st question, I'v read the thread and not seen this query, if its been asked before sorry. I paid by CC for a dealership in 2007, the company is now proving difficult to get hold of, website not working, phones not answered. I checked at companies house they have not completed tax returns since 2007, and are due to be…
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Again Barclaycard Poor Show
:mad: having just received my card n letter, the credit limit was poor. On speaking to someone who could in my opinion not speak clearly about raising the credit limit. I was informed that first I had to activate the card for him to proceed - RUBBISH. Then got put on hold for you've guessed it an eternity & hay presto got…
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Card interest hike: No option to cancel card + no seperate letter
Just been looking through my paperwork and noticed 3 months ago in tiny writing on a statement that the apr on my Citi card was being put up from 13.9% to about 26. It doesnt mention me being able to refuse and cancel the card nor did I receive a seperate letter. Now to be honest I did have a couple of late payments but…
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Credit Card Loans
I am looking to buy a car between 4 and 7 thousand and want to use the credit card system to transfer the funds into my current account (Martin's Super Balance Transfer)with a life of balance APR, but how do I get a credit limit at the amount I need straight away when the account is opened?
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Credit Card APR historical data?
Is there anyway I can find the APR for my Credit card for any given time to see if I have been overcharged? I have had a Halifax Credit card for a a few years now and want to check my APR rates over the past few years.
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Egg Money - has it changed?
Hi, I have just read with interest Martin's article on using Egg Money as a mule card -- [Credit Cards > Cheap Credit Card Loans] -- in order to get a balance transfer into my current account. However, looking at the Egg Money web site, it doesn't mention anything about a facility to transfer credit balances into a bank…
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Credit card debt help needed
Hi I need some advise please regarding managing my credit card debts. I've got £3000 on a Virgin credit card with an rate of 17.5% APR. I also have £1000 on a Barclay Card with a rate of 6% APR. I'm currently paying the minimum amount on both cards because I can't afford to pay much more each month. I worked out today that…
