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Credit cards

Archives for September 2010

credit card advice
Hi there 2 pronged question! (1) This may seem a daft question but does anyone know if its possible to apply (& get accepted of course!) for a Credit Card if you are unemployed - what I mean is, as soon as they see 'unemployed' on the application do they automatically reject it so.... therefore is there much point in…
Amex Platinum 3rd time around?? still a New customer??
Hi, I got the Amex Platinum for the 5% in the first 3 months, and got the cashback after the year and then cancelled the card. 2 months later i applied and got one again, used it for the 5% for the first 3 months then made a minimal spend each month so it wouldn't go dormant and i've just received the cashback now the year…
debit card cloned...how does one get money back
hi there im posting on behalf of my friend. he has had his barclays debit card cloned. however the only money he had stolen was an hardship loan from the benefits office all of £90. he is stuck with NO money and no way of paying his bills/rent or even food. he doesnt know what to do. i dont know what to surgest. these…
Barclaycard refusing to refund following a scam
My daughter recently got scammed by a website where she had ordered some concert tickets. The website in question (michaelbublelive.net) is all over the internet as a scam. She "purchased" the tickets, using her Barclaycard, several months in advance, and received an e-mail confirmation. However, she inadvertently deleted…
CC company taking money from my bank account.
hi all, i have a BOS credit card, today i got a letter saying unless the balance was paid in full (over £3000) they may take it from any other other accounts i have with them, i have an account with the halifax, i know they are essentially the same ppl so what are they chances of them dipping into my halifax account?
Capital One 'poor credit rating' credit card
Has anyone, especially those with bad credit rating and those with debt management plans, applied for the Capital one card being advertised? Is it worth applying for? Could it be a away of managing a 'pay-day loan' style debt? Advise please???
MBNA (Virgin Card) Interest on BT fee
Quick question, does anymore know if interest is charge on the BT fee when you transfer 0% APR to an MBNA virgin card?
Egg
I am managing to pay £150 a month into my Egg credit card but I owe £3700 and the interest is 26%. I sent them an email explaining that I was struggling and askng them to freeze the interest at 0% for 6 months so that I could stand a chance of sorting it out and the answer was a no. I'm not sure what to do but costs rising…
Credit Card Debt written off
I stupidly paid a company to look at my credit card agreement and advise whether it was unenforceable. They advised that it was but nw are not dealing with the credit card company and I cannot contact them by phone because they have an answerphone. I have written to them three times now and demanded my money back but have…
Barclaycard Goldfish
Hi the above are increasing my APR form 9.9% to 14.9%. Is this happening to anyone else or is it just me
new credit card.....need help and answers asap.....please
i recently got a capital one credit card i used it once but now can not use it, keeps saying declined. i look on my account and it still says i have my £200 credit limit.....has anyone had this problem before? and did it get resolved? thanks
Paid on time but still incurring fee!
Hi guys, im new to all this, just wondering if anybody could offer me advice. My payment for my credit card due date was 17th September. I made a payment in full to my credit card company on 17th September at the bank. However, they are insisting that the payment is late and charging me a late fee of £12. Firstly…
Visa CC protection if paying for holiday in dollars to American co?
Hi Any advice would be much appreciated! I am in the process of booking a holiday with an american tour operator based in Costa Rica. It is going to cost us $125 more to pay with our visa credit card than if we pay by a wire transfer. I have made sure it is a reputable co and the reviews etc are glowing. My question is…
Quick Question on BT's
Hi i'm after a bit of advice really... I have always been a credit card tart and tend to get my car insurance, holidays etc on them and always balance transfer for 0% deals. I crrently have 2 cards Post Office (PO) and Barclaycard (BC) with the 0% interest that has expired, one has £600 on it and the other has £1600 on it.…
Brit spending abroad.
Hi, I've been searching through the forums and i've learned a lot about bad experiences and different options in terms of credit cards to use abroad etc., but nothing the relates directly to my situation, so sorry if this has been answered before. between me and my girlfriend, we have a gold barclaycard, a capital one…
Saving fees
When paying for a holiday by card, where the 3% charged by the holiday company can be a fair sum,(£61 the last time) how much of the cost do you need to pay by card to get all the protection offered by using the card? Could you pay £101 as part of the deposit and the rest by cash etc. thus saving on their fees or do you…
my Travel Cash currency cards at better exchange rates on currencyexchange-uk
I recently bought a my Travel Cash Euro currency card for a trip to Spain. However, when I was checking out the different rates I found that I actually got a slightly better exchange rate when I went through the currencyexchange-uk.co.uk website compared to visiting the my Travel Cash website directly! I am not sure why,…
Does anyone know how far back mdna search?
Does anyone know how far back mdna search? thanks
Instant decision credit cards
Hello, I have been visiting this forum for quite a while now and have found it very interesting and very helpful however, this is my first post. Although I do feel like a bit of a leech asking a question and reading this forum without adding any value myself, here I go (and I promise whenever I learn anything I will share…
Virgin - Penalties and transferring away
Hello all, Hope someone can advise! Recently moved to Virgin Creditcards in July as my Tesco 0% deal expired. I don't get a paper statement sent to me by Virgin and rather than go DD, I always remind myself to make the £25 min payment each month. Anyway, payment was due on the 15th and I paid this online on that day (as I…

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Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
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Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
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Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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Applied for South West Trains 'boundary fares' compensation? Act now to claim it
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Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
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Credit cards

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