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Pre Pay credit card
hi guys, which is the best pre paid visa or mastercard? thanks
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Virgin 0% purchase promo (from 1st June)
Just received a letter from Virgin regarding my Virgin CC. Details* Between 1st June 2010 and 31 August 2010 you now get 0% p.a. on all new card purchases you make with your Virgin Credit Card. * Spend over £250 on individual card purchases between 1 June 2010 and 31 August 2010 and enjoy a great rate of 0% p.a. on those…
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Help with advice on legal matter
Hi I have been recommended to this forum, I am not used to forums so please bear with me. I have had a look at the forum and dont know whether this should be under cc or WBDF, so i will post on both if thats allowed? I am in a mess and desperate for any help so if you can give me any advice or let me know if you have…
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Will one 2 day late Mint credit card payment show on my account?
Hi I have been a couple of days late on my Mint credit card payment due to changeover of direct debit bank accounts. I've made the payment over the phone with a debit card. Will this show up as a late payment on my credit report? How late does a payment have to be for mint to register it? Im worried as Im going to be…
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Help with calculation
Hi, i've got an outstanding balance of £16,959.54 at 0%. This ends in 4 weeks and the rate will be 1.4566% a month. I am going to transfer much of this to other cards. How do i calculate the interest on any amount that i do not transfer, worked out at daily amount in £'s? Thanks
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Warning: halifax cutting credit limit at same time as offering you a balance transfer
Hi everyone, Just wanted to warn everyone about something that has happended to me this week. I was offered a preferential balance transfer at 4.9% by the Halifax credit card and I took advantage of this as I had a 0% deal on another card coming to an end. A couple of days after sending my cheque to the other card, Halifax…
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Advice on balance transfer
I have an MBNA Virgin card that has a balance of about £620. This is made up of a 0% balance transfer that I was planning to have paid in full when the BT offer ended but stupidly didn't note the date for this and also made a few purchases on the card in the past couple of months (tempted by their offer of 0% on…
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Super Balance Transfer, first time credit!
Hi, Basically i am 21 and have never needed or used credit. I have checked my credit report and i have no missed bank payments or anything like that. I only have 3 records on me. Two bank accounts and one store credit from 2007. Basically from April-September i work full time earning around £1000 a month. After September i…
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HALIFAX Rate jackking! ARGH!!!!!
Hi all, Sorry bit of a rant....:mad: Im so annoyed with Halifax lately...been a customer for ten years plus and always paid on time, never missed payments or has any problems with me at all. I am really sick of the rate jacking..its daylight robbery! I had a Marbles card (also HBOS) and they rate jacked it to 34.9%!!! So I…
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Barclaycard Goldfish - Slashing the value of points
Anyone else had the letter stating that as of 1st August, a £10 voucher will "cost" 3500 points. That means you will need to spend £3500 to get this. What a joke! Obviously will now ditch the card, but please people make sure you redeem !
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Income and acceptance
Hi. I currently have 1 credit card with £66 on it at the moment, it is a low interest mastercard account, which I would like to keep. However I am interested in a 12 month 0% purchases card so that I can put anything for the wedding that I don't currently have in savings (only looking at about an additional £1000). However…
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Card conversion fee added to banks currency rate
I didn't realise ALL cards had this loading, thought a few such as Nationwide and Santander Zero didn't?
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refund
Hi does anyone know how long it takes for a refund to be made back to my debit card.The reason i ask is on the 13th may i took out an extended warranty on my sky equipment for £99 on line.I rang them with in 5 minutes to use this warranty but was told i had not taken the right warranty for what i needed so was told that…
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Increase in BC credit limit?
Hi, I hope I'm posting in the right place. I went to the bank today to check my barclaycard balance and found that they had incresed my limit from £800 to £1600. I didn't ask for this, and I am wondering what to do, I've just finished uni and am about to start my first 'proper' job. I admit I was a bit rubbish when I first…
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Repair My credit file with cards
Ok about 10 years ago I had a great credit file, but to cut a long story short 5 yrs ago I screwed up.. lost my current account, Over draft and had 3 defults slapped on me, but one defult never got put on my file till 2 yrs later. (I did manage to keep open a credit card but it was well over its limit) So after a lot of…
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Section 75 Question
What does the Section 75 cover on Credit cards. I bought a second hand item on my credit card and now 3 months later the item has stopped working and needs repairing. Am I covered? Have a I got a claim? Thanks for your anticipated help. Rich.
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Sygma Silver Mastercard - Interest on Balance Transfer?
I recently recieved the Sygma Silver Mastercard which has 0% Balance Transfers for 6 months from account opening. But after the first statement came through i looked online and noticed they had put on the statement for the balance transfer "PROMOTION INTEREST" so i phoned them up and they apologised and took the interest…
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Tesco credit card mistake
All, Apparently Tesco are issuing new cards with new numbers to people who hold them. I had a letter today confirming DD details set up for the card number, I thought it was strange as I havent used my Tesco CC for a long time so couldnt understand why - on checking the credit card number it wasnt mine. I was then worried…
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credit file spiral (downward:(
Hi, ive been doing my best to repair my spiraling credit score. Once upon a time my credit scores were high (accord to exp./equif.) Now they are very low. The main reasons I can see are quite a few credit searches in quite a short period and 3 late payments. I've contested the late payments, and have had 2 removed so far…
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Which card should i start with?
The three cards that seem to be the most popular are Accessory, Flybe and Vanquis. I like to think interest rates won't be an issue as i am good with repayments but which cr agencies do they use? I have a good credit rating with experian but no credit history with equifax or callcredit. Usually if experian is used i am…
