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Littlewoods Credit Account
Hi, Not sure if this is the correct section to post. Our old television is on it's way out and was looking to buy a new one. Thought I would give Littlewoods a go as I could pay over 52 weeks interest free. I have created an account online and have gone through all the credit agreement stuff and placed an order. They have…
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Aqua Credit Cards Overlimit Fees Help!!
I have an Aqua credit card which currently has a £2000 limit, i am up to my limit and havent used it for 6 months, i pay around £75 per month and dont miss any payments. Aqua are charging me £12 every month as an overlimit fee despite the fact i am not using the card so technically i am not putting my account over the…
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MBNA late payment.
What an idiot. Did a 0% balance transfer to MBNA and it looks like my first payment by cheque may be late. No excuses, my fault. Money due tomorrow. My wife has Internet and phone banking and is attempting to make a faster payment today. Does this transaction generally succeed? Would MBNA accept a grovelling apology if…
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Balance transfer Thomas Cook to Barclaycard
Hi all, Anyone know if they allow these transfers between the above? The Thomas cook card says it is issued by TC personal Finance, but I know the call centre is Barclays etc... Anyone done this before? Thanks
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Sorry maybe bit of a Thicko question re credit card being in credit
As the title suggests- maybe a bit of an obvious answer but thought would ask My M&S crdit card is in credit and as off on holiday soon cash would be handy- now I could get them to send me a check but I thought might be easier just to get the cash out of a cash machine. Now as I'm in credit and provided by taking the cash…
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Egg Card - Cancellation time frame
Hi, My Egg card is currently sitting in a credit balance. I've asked egg to close the account; however, they've stated that they need 2 months of zero balance statements before they can close. Is that right? They're essentially saying wait 60 days then we'll close it. Cheers, S
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Negotiation to pay a reduced settlement on credit card
Hi all I wonder if you can help me, i have a credit card with the Halifax which has a total of £2585 (or there about's) and the interest is a silly 25% a month in essence i pay around £57 a months (min payment) and the interest is around £46-£48 a month and so i pay off on average about £10 a month so will take MANY years…
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Credit card for someone with poor credit history
Hi, I have a bad credit file with a number of defaults (some settled, some not). I want to start building my credit score back up, I was thinking of using a credit card for things like petrol etc that would cleared every month. I'm not too concerned about high interest rates (as I hopefully won't need to pay them!) can…
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Which Banks/Credit Card Companies accept you with an old default?
I have a default from 3yrs ago with Natwest they charged me alot as the original amount was fairly small, but their charges made it £800. Now I buried my head in the sand over it to be fair, but trying to face the problem I wrote a letter asking if I paid it off would they remove the default etc no joy. So I ask which…
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lloyds credit limit increase
can u request a credit limit increase by letter as apposed to calling them?? and also what are peoples luck with airmilesduo credit limit increase.
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Additional cardholders - able to affect credit rating?
Hi, Hopefully a fairly straightforward question. I would like to apply for a credit card and as part of the application get a second card for a member of my household (a family member). The family member has a poor credit rating, could this affect the application and are there any risks to my own credit score as a result…
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Credit limit reduction: reality vs. bureaucracy
I should be a credit card company's perfect customer. I'm low risk, since I'm never in (net) debt and I always have money lying around in my bank account, but I'm disorganized and so pay their interest and fines. I have quite a few times in the past missed payments, and from time to time forget to pay off my credit card…
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Excellent credit score but cant get another credit card
Hi just wondering if anyone can give me some advice or indeed ideas please: I currently have 3 credit cards halifax 6.9% balance 3700 mint 16.9% balance 1150 virgin 15.9% balance 3200 Ive applied for 0% credit cards to transfer the balances from my mint and virgin card onto but neither my own bank,santander,barclays or…
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Capital One
I seemed to have forgotten my password on my c.card account & to retrieve my details its asking for my social security number, I have no idea what this is, cant remember ever giving this to them, anyone else ever had this bother?
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Interest on a DMP?
After 8 years of no interest and ten months payments remaining Barclaycard started charging interest on the outstanding balance. Nothing had changed and no payments have ever been missed, no reasons have been given. Do I have any redress?
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Claiming credit card ppi and charges
Just wondering i have been contacted by a company that says it can claim my cradet card ppi back and charges also saying they can clear my credit card balance because they have breached there contract details! Yes they want a percentage and a charge of £300! Is there any one out there that has used a company like this and…
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Who owns whom?
I'm doing a bit of a credit card shuffle with balance transfers to try to get the cheapest debt. As providers won't let customers do a balance transfers between cards owned by the same company, I need to work out who owns whom. I think these are right .... Bank of America .... owned by .... MBNA Halifax .................…
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credit card debts
hi i am new to this site so i dont know what i have to do really ! i have 3 credit cards which i owe about £10,000 what ever i seem to pay off them does not seem to make any difference to the outstanding balance as im being charged with so much intrest , do you have any advice how or what i could do ? many thanks
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cannot afford to meet monthly minumum or transfer balance
Hello there. I have a credit limit of £6500 on a Llloyds Credit Card. My current balance is at £6800 and I'm unable to meet the minimum monthly payments. My credit score is too low to open another account and transfer the balance so I'm stuck with Lloyds. My main aim is to get into work and get this paid off as soon as…
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Paying Santander Zero Card
I intend to make an electronic payment in US Dollars from £s. Is Santander Zero is the best credit card for this providing I pay the balance immediately? (I also have a zero balace $ paypal account and Nationwide CC, but not debit card Has anyone arranged a method of paying their Santander card easily? Presumably the best…
