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Credit Card Dilemma!
Hi, does anyone have any advice for me? I have 3 credit cards, Capital one £1,300, MBNA £5,700 and Santander £2,300. Am self employed and have not had consistent work since November 2009. Have fallen behind on all payments and am now being hounded on a regular basis by their debt collecting services. Capital one's…
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Personal c/c situation: what card shall I apply for?
This is my situation: Barclaycard Platinum 0.514% interest until September 2012 Current balance: £1564.14 Credit limit: £3300 Repayments: £60.00 Halifax One 0.561% / 6.95% LOB Current balance: £392.30 Credit limit: £500 Repayments: £21.00 Lloyds TSB Airmiles Duo (closed account as of 17th September 2010 - to keep existing…
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Tesco card good for both spending and balance transfers?
Having read the tesco site I see that it gives 0% for 9 months on balance transfers and 0% for 13 months on new purchases. Both balance transfers and purchases seem to be treated equally as far as repayments are concerned. I would have thought it merited a mention on the main site for a multi purpose card but the balance…
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Is It Possible To Make Payment By 2 Halifax Clarity Cards
Say for example I was to buy a telly from Currys for £800 could I split the payment onto 2 different clarity credit cards mine and mrs card to get the £5 cashback each on both cards for the month?
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Credit Card Rate Question
I have a Lloyds Classic Mastercard, its one of their older credit cards from a few years back. It was about 19% interest a year. However, at some point in the last year it changed, and I obviously didn't see it. I have dyscalculia so I am terrible with numbers and reading numbers. The money saving expert calculator says…
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Stupid mistake
I have an MBNA credit card with a 0% balance transfer on it. However I hav realised this evening my payment was due by Monday. I have paid it now but obviously this will not clear in time. I understand from what I have read I will lose the 0% deal (I have the money to pay the account off in full so will do this). But my…
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Who is liable if my card is lost/stolen?
So today I got my first ever credit card: an American Express Platinum Cashback and I've set up a direct debit to pay off the full amount every month. What I'm wondering is: who is liable if I lose my credit card and someone spends on the card before I report the card lost/stolen?
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Post Office Mastercard
I've just received a variation of the terms of my Post Office Mastercard with my statements and it seems that from 1 November, you will not be able to preload the card and maintain a credit balance. A shame as that was a very useful feature of having the card.
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Can't seem to get out of debt
I make more than the minimum payment each month on my credit card, probably just over but the interest lands me back in it again, it's pointless even paying it, but I just can not afford to pay more, with all the bills etc. What to do?
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Ryanair Free Flights
I recently attempted to get my two free flights that I was entitled too, after spending £3,000 pounds on my Ryanair credit card. After I gave the person my preferred flight dates. I was told that they would cost me £150. I informed the operator that the same flights booking on the Ryanair web site would only cost me £78.…
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Egg card blocked as a precaution ... anyone else?
Just had a letter telling me that my Egg card is being blocked as a precaution and that new ones are coming within 7-days - doh! Just wondered if anyone else got one of these?
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Santander CC
As a account holder I have just received aN application form for their credit card
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Unhelpful M&S customer service
I'm in the process of getting finances in order as its all gone pear shaped in the last 3 months whilst I have been doing my dissertation for my masters and working full time. I work in the public sector so need to get finances in order asap, just in case! I need to attack another card, overdraft and mortgage as well, but…
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Card Balane Settlement Best Practise
Aye up , After careful consideration I have just decided on a consolidation loan for 4 cards. I have secured a flexible personal loan k15 at 9.15 % apr over 60 months from my own bank Lloyds I was stuck in min payment limbo and getting no where, balances are as follows Lloyds MC 5821 Barclaycard 2737 American Express 1948…
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Balance transfer - help with my options
I posted this before but did not really get to the point (sorry). I have the following cards, and one short term option is to do some transfers. My cards are: Barclaycard Platinum - £7k - limt £12k - 18.9% apr Egg - £3k - limt £15k - 19.9% apr Virgin - £4k - limit £10k - 20.9%apr MBNA - £7k - limt £7.8k - TBA apr Lyoyds -…
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Halifax Clarity Credit Card????
Can someone please please upload a picture of their Halifax credit card...preferably front and back...if not, then just the front. I have already seen the image on Halifax's website, but I am just wondering how it looks like once someone receives it. Thanks in advance
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Please help RBoS credit card people dont believe they have my 400 dollars
I use my credit card to play poker. Regularly I pay 20 pounds and it gets taken, REALLY EASILY! and SUCCESSFULLY I notice. I won 400 dollars which I withdrew using the SAME British CARD. My Royal Bank of Scotland credit card company say this $400 is not on the statements. I have spoken to the CHARGEBACK and DISPUTES team,…
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Credit Card Checker - Barclaycard Freedom
Can you add the Barclaycard Freedom please and Debenhams.
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Overdraft to credit card
Hi all, Im currently banking with LLoydstsb and as im sure many of you are aware the are introducing the 5pound charge for overdrafts as well as the 19% apr on top. I read something on this site last week refering to a couple of credit cards that will allow a balance transfer from an overdraft to a credit card with a 0%…
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Default Removal
Hello I am trying to get rid of a default on my credit file relating to farudulent use of my stolen/lost credit card. I have tried the organisation concerned and the Financial Ombudsman but both wont remove the default as the fraudulent activity used my PIN without any errors and so think I'm party to it (I guess). Any…
