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Capital One Transaction Dispute
I've just been charged £105 without my authorisation. I thought I was signing up to a trial that would become a monthly subscription - should I choose to continue with the service. I've just spoken to Cap1 who say that I must speak to the merchant, it turns out that they are happy to offer me a refund but I must sign a…
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will i be accepted?
Hi,, just wondering if anyone who knows the ins and outs of credit cards might shed a little light for me.. Basicly, the MD of my company is changing his company car and has said if anyone wants to buy his old 1 they could have it cheap.. should be worth around 10k but he offerd it for £5500 so i jumped at the chance! Now…
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Section 75 advice needed - can`t find the answer anywhere :)
Hi there , i was wondering if anyone could help with the following .... If i make a purchase for a service on my credit card (ie 5000 GBP for a week long seminar on a bussiness opportunity) and this comes with a contract signed by both me and hte vendor laying out the terms , one of which is a 6 month money back guarentee…
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Credit Card / Credit rating Advice
Hi all! I need some advice - I'm 19, employed full time earning around £21k. I still live at home and have no major outgoings & no debt. I'm looking to build up my credit rating, as I believe it will make it easier for me when I come to apply for a mortgage. Firstly is this true? Secondly, has anyone any advice on how I…
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why is this do you think
since i got my vanquis card i have been bombarded with emails, offering me credit cards from the likes of tesco and halifax. if i actually applied for any of these i know for a fact i would be declined so im wondering why im actually getting these now any ideas?
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credit card tart
Hi, I have been a credit card tart for a few years now and never had any problems switching when the time runs out on my interest free. My current card is due to start charging me interest on the 20th of this month but I cannot get another card as various bakns/building societies keep refusing me (I have only tried…
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To close or not to close!
Hi, Ive taken advantage of a 0% card for 12 months and paid it all off, the only issue now is do I close the account now or leave it open even though i wont use the card now. Does it affect my credit score if I close it..or leave it open for that matter. Thanks
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credit card pappal payment question...
can i pay via paypal for something on ebay so paypal takes it from the credit card i have, instead of my usual bank account and will the credit card charge me extra? its a tesco card.
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well that was easy
American Express wanted to charge a dormancy fee of £20 a year because I hardly used my credit card so I phoned up to cancel my credit card. Can I just get some security details the operator asked so I gave them. OK the card is cancelled goodbye. Have CC companies given up on the hard sell now?:D
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MBNA nightmare
I was checking my credit history and report over the weekend and found a 'default' against my name reported by MBNA. The default was recorded earlier in the summer this year after six months of non-payment of a credit card balance. I was puzzled because the account was an old closed one and a transaction of £55 pounds had…
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When is an account in dispute
Recently I have had an altercation with Lloyds TSB. I took them to court over unfair charges on my credit card account. Thus filing a claim in court I assumed that this therefore meant that the account was in dispute. But the FSA seem to differ stating that I cannot put an account in dispute, or at least but it in dispute…
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First Bank account EKKK.
I want to open my first Debit or Credit account, im only 18 and still in college so can't afford the £1000 pay in that most banks ask for however i need a overdraft. Im hoping for a interest free overdraft (Might be asking a little to much there) or a low interest one and wondered if anyone could give me a little help in…
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Credit cards that use uk call centers
Are there any Credit card that still use uk call centers, I have just tried to have conversation with an indian for capital one and could not understand what she was syaing, very fustrating, apart from that i wish to support companies that employ uk support call center staff. I also want to be able to manage and pay the…
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Remove barclaycard info from Equifax report
Hi, Can anyone suggest anything for the following? I checked my Equifax credit report yesterday for the first time in about 4 months and it now shows 2 Barclaycard credit agreements which are not mine. They were not there a few months ago and only show on Equifax. They both show as arrangement to pay/3 months or more…
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When best to transfer balance/time limit
Due to make a payment by direct debit on the card I want to transfer the balance from on 18th, statement on 20th. Is it better to wait until after these dates to initiate the transfer process, which I am told takes 3-5 days? Then I'll know exactly what to transfer. Also, can seem to find if there is a time limit to…
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Removing late payment from credit score?
il try and keep it short. I have a silly little argos store card which works well with its interest free periods. I stupidly set up the DD and there was a cross over where by I missed the £2 payment by 3 days. I called argos immediatley they refunded they late payment charge and said it "shouldnt" effect your credit score.…
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Help! re Application for CC
Hello, I am new at this, so many apologies if it sounds really daft. If you are a homemaker is it ok to put spouses income down on application? Form says annual income, not 'houshold income'. Thanks for any help
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Should I use Visa Debit or Mastercard?
Hi all, I want to purchase some flights costing approximately £1,750. I was planning on using my Mastercard to purchase them as this gives me a month to pay and gives me the protection of the credit card guarantee should anything go wrong (e.g. ash cloud or airline failure). However, this would incur a 2% fee i.e. £35…
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New car!!! - Loan or credit card
I have just bought my sisters car off of her for £2000. IT's quite a new C2 so this is a total bargin! I feel a bit begrudged to take a loan out for it as (with the interest added on) it may not end up being such a bargin?! I wondered if it would be possible to use a 0% credit card and then just pay that off (i have a very…
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Emergency, need to take cash from Credit Card
I need to hand over £280 cash this evening for the reservation on a property. (i'll damn well be getting a receipt :mad: ). I had planned on using my credit card but the estate agent says they'll only take cash. I have an HSBC Gold Visa Card, does anyone know how much this will end up costing me? I plan to take the cash…
